Home › Calculator Tools › Compound Interest Calculator
See how money grows with compound interest — set principal, rate, compounding frequency, and time to get the final amount and year-by-year growth breakdown.
Principal + interest · compounding frequency · monthly contributions · year-by-year growth table
Input the initial principal, annual interest rate, compounding frequency (daily, monthly, quarterly, semi-annually, or annually), and investment duration in years.
Final amount, total interest earned, and a year-by-year table showing the balance at the end of each year.
Adjust the compounding frequency or duration to see how different choices affect the final outcome.
A = P × (1 + r/n)^(nt), where A is the final amount, P is the principal, r is the annual interest rate (as a decimal), n is the number of compounding periods per year, and t is the time in years. The key insight is that interest earns interest — each period’s interest is added to the balance and earns interest in subsequent periods.
More frequent compounding produces a slightly higher final amount than less frequent compounding at the same stated annual rate. Daily compounding gives a marginally higher return than monthly, which gives more than quarterly, which gives more than annual — though the differences become smaller as frequency increases beyond monthly.
Divide 72 by the annual interest rate to get the approximate number of years needed for the principal to double at that rate. At 6% annually: 72 ÷ 6 = 12 years to double. It’s a quick mental estimate — the calculator gives the precise figure.
The standard compound interest calculator shows growth on a single principal. For scenarios where you add money regularly (monthly savings), use the SIP Calculator, which is designed for regular contribution growth.
Generate social sharing meta tags for Facebook and LinkedIn.
Craft SEO titles with a live Google SERP preview.
Validate and format your JSON-LD code before publishing.
Write compelling meta descriptions for your pages.
Compound interest is the engine behind long-term wealth building — and the reason starting early matters more than the amount invested. This calculator lets you visualise that growth concretely: enter a principal, a rate, and a time horizon and see the year-by-year progression of how the balance compounds. The year-by-year table makes it easy to see that the growth accelerates over time rather than growing linearly — this is the compounding effect that makes long-term investment so powerful and why the same rate applied over 20 years produces dramatically more than applied over 10.
All calculations run in your browser. No data is transmitted to any server.
