Compound Interest Calculator

See how compound growth turns steady contributions into serious money.

Result

$300,850.72
Future value
$130,000.00
Total contributed
$170,850.72
Interest earned

Formula

FV = P(1+r)ⁿ + C · ((1+r)ⁿ − 1) / r

Worked example

$10,000 at 7% with $500/month for 20 years grows to roughly $299,000 — of which ~$169,000 is interest.

About the compound interest calculator

Compound interest is the engine behind long-term wealth. Reinvested returns earn returns of their own, snowballing over time. Small, consistent contributions almost always beat larger, sporadic ones.

Frequently asked questions

How often is interest compounded?+

This calculator compounds monthly, which closely matches most investment accounts.

Is 7% a realistic return?+

It's the long-run average of the U.S. stock market after inflation, but past performance does not guarantee future results.

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