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Compound interest calculator
Calculate compound interest with a starting amount and monthly deposits. Free and online: see the final balance, how much you paid in, how much is growth and what it is worth in today's money. Everything runs in your browser.
How to calculate compound interest
- 1Enter your starting amount and the monthly deposit
- 2Set the yearly return and the number of years
- 3Read the balance, the growth and the yearly table
- A final balance, a growth chart and a table per year.
What you get
- Nothing is uploaded.The sum runs in your browser. Your numbers are never sent anywhere.
- Deposits and growth apart.See what you put in and what interest added.
- Shows today's money.An inflation rate turns the end balance into today's buying power.
What you can do
- Start with a lump sum, add a fixed amount each month, or both.
- Raise the monthly deposit by a percentage each year, to follow a rising income.
- Choose whether money goes in at the start or the end of each month.
- Compare the balance with the total paid in, in a chart.
- Download the year by year table as a CSV file.
- Switch between Euro, US dollar, Pound and Swiss franc.
Good to know
- Interest is added monthly, at the yearly rate divided by twelve.
- The tool assumes a constant return. Real returns vary and can be negative; fees and taxes are not included.
- The term can be 1 to 80 years.
- It is an estimate from your own numbers, not financial, tax or investment advice.
Questions
How is compound interest calculated here?
Each month the balance grows by the yearly rate divided by twelve, and your deposit is added. The next month's interest is paid on the larger balance.
Can I leave the monthly deposit at zero?
Yes. Enter only a starting amount to see how a lump sum grows.
What does "In today's money" mean?
The end balance divided by the inflation you entered, so you see its buying power in today's prices.
Is my data sent to a server?
No. The calculation happens in your browser.