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Compound Interest Calculator

See how much an investment grows over time with compounding and optional regular contributions.

FinanceMath
Future value
$170,619.05
Total contributed
$70,000.00
Interest earned
$100,619.05
YearContributedInterestBalance
1$13,000.00$821.05$13,821.05
2$16,000.00$1,918.32$17,918.32
3$19,000.00$3,311.78$22,311.78
4$22,000.00$5,022.85$27,022.85
5$25,000.00$7,074.48$32,074.48
6$28,000.00$9,491.29$37,491.29
7$31,000.00$12,299.69$43,299.69
8$34,000.00$15,527.97$49,527.97
9$37,000.00$19,206.50$56,206.50
10$40,000.00$23,367.82$63,367.82
11$43,000.00$28,046.83$71,046.83
12$46,000.00$33,280.95$79,280.95
13$49,000.00$39,110.33$88,110.33
14$52,000.00$45,577.98$97,577.98
15$55,000.00$52,730.04$107,730.04
16$58,000.00$60,616.00$118,616.00
17$61,000.00$69,288.91$130,288.91
18$64,000.00$78,805.65$142,805.65
19$67,000.00$89,227.23$156,227.23
20$70,000.00$100,619.05$170,619.05

How it's calculated

Starts from FV = P(1 + r/n)nt for a lump sum, then adds the future value of regular contributions. The annual chart breaks down each year into contributions, interest earned, and ending balance.

Compounding frequency matters less than you might think over long horizons — daily vs monthly compounding usually shifts the final number by under 1%. Time and rate do the heavy lifting.

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