finance
Compound Interest Calculator
Enter your principal, interest rate, compounding frequency and time period to see exactly how your investment grows year by year. Includes a full growth chart and yearly breakdown table.
Final balance
$59.0K
Total contributions
$34.0K
Total interest
$25.0K
Return on investment
73.6%
Growth over 10 years
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ContributionsInterest earned
Contributions 58%Interest 42%
Show year-by-year breakdown
| Year | Balance | Interest earned | Total invested | Total interest |
|---|---|---|---|---|
| 1 | $13.3K | +$936.58 | $12.4K | $936.58 |
| 2 | $17.0K | +$1.2K | $14.8K | $2.2K |
| 3 | $20.9K | +$1.5K | $17.2K | $3.7K |
| 4 | $25.1K | +$1.8K | $19.6K | $5.5K |
| 5 | $29.7K | +$2.2K | $22.0K | $7.7K |
| 6 | $34.7K | +$2.6K | $24.4K | $10.3K |
| 7 | $40.0K | +$3.0K | $26.8K | $13.2K |
| 8 | $45.9K | +$3.4K | $29.2K | $16.7K |
| 9 | $52.2K | +$3.9K | $31.6K | $20.6K |
| 10 | $59.0K | +$4.4K | $34.0K | $25.0K |
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What is compound interest?
Compound interest is interest calculated on both your initial principal and the accumulated interest from previous periods. Unlike simple interest, compounding accelerates growth — the longer you invest, the more powerful the effect becomes.
The power of regular contributions
Adding regular monthly contributions dramatically increases your final balance. Even a small monthly addition of $100–200 can double your outcome over a 20-year period thanks to compounding on those contributions.