Compound Interest Calculator
Calculate investment growth with compound returns
Plan your retirement, investments, and savings with regular contributions
Investment Details
Quick Presets
Investment Strategies
Investment Projection
Understanding Compound Interest
The Formula
A = P(1 + r/n)^(nt) where P is principal, r is annual rate, n is compounding frequency, and t is time in years.
Regular Contributions
Adding money regularly accelerates growth through dollar-cost averaging and more compounding periods.
Time Factor
Starting early is powerful - compound interest rewards patience and consistency over time.
Compounding Frequency
More frequent compounding (daily vs annually) increases returns, but the difference diminishes at higher frequencies.
Mastering Compound Interest
The Magic Formula
A = P(1 + r/n)^(nt) - Albert Einstein called compound interest the "8th wonder of the world" because it grows exponentially over time.
Regular Contributions
Adding money monthly or quarterly accelerates growth through dollar-cost averaging and creates more opportunities for compounding.
Time Factor
Starting early is the most powerful factor. Each year of delay costs exponentially more due to lost compounding periods.
Investment Strategies
Conservative (4-6% bonds), Balanced (7-8% mixed portfolios), Aggressive (10-12% growth stocks) each serve different risk tolerances.
Retirement Planning
Use the 4% withdrawal rule: your retirement savings should be 25x your annual expenses for sustainable withdrawals.
Tax-Advantaged Accounts
401(k), IRA, and Roth IRA accounts provide tax benefits that amplify compound growth through reduced tax drag.
Investment Calculator Features
📈 Growth Projections
Year-by-year balance growth with detailed breakdowns
💰 Regular Contributions
Monthly investing with beginning/end of month timing
🔄 Compounding Frequencies
Daily, monthly, quarterly, or annual compounding options
🎯 Investment Presets
Conservative, balanced, aggressive, and retirement strategies
📊 Visual Breakdown
Interest vs contributions visualization and insights
📅 Monthly Schedule
Detailed month-by-month growth tracking