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Compound interest calculator

Enter a starting amount, regular contributions and a growth rate to compare contributions with projected earnings.

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Future value in 20 years$300,851

$10,000 plus $500 monthly at 7% for 20 years. You pay in $130,000, with $170,851 in projected earnings.

Growth over time
PrincipalContributionsInterest
Projected growth by yearProjected final balance $300,851. Focus or hover on a year for its balance, money paid in and earnings.Year 0: $10,000 balance, $10,000 paid in, $0 interest.Year 1: $16,919 balance, $16,000 paid in, $919 interest.Year 2: $24,339 balance, $22,000 paid in, $2,339 interest.Year 3: $32,294 balance, $28,000 paid in, $4,294 interest.Year 4: $40,825 balance, $34,000 paid in, $6,825 interest.Year 5: $49,973 balance, $40,000 paid in, $9,973 interest.Year 6: $59,782 balance, $46,000 paid in, $13,782 interest.Year 7: $70,299 balance, $52,000 paid in, $18,299 interest.Year 8: $81,578 balance, $58,000 paid in, $23,578 interest.Year 9: $93,671 balance, $64,000 paid in, $29,671 interest.Year 10: $106,639 balance, $70,000 paid in, $36,639 interest.Year 11: $120,544 balance, $76,000 paid in, $44,544 interest.Year 12: $135,455 balance, $82,000 paid in, $53,455 interest.Year 13: $151,443 balance, $88,000 paid in, $63,443 interest.Year 14: $168,587 balance, $94,000 paid in, $74,587 interest.Year 15: $186,971 balance, $100,000 paid in, $86,971 interest.Year 16: $206,683 balance, $106,000 paid in, $100,683 interest.Year 17: $227,820 balance, $112,000 paid in, $115,820 interest.Year 18: $250,486 balance, $118,000 paid in, $132,486 interest.Year 19: $274,790 balance, $124,000 paid in, $150,790 interest.Year 20: $300,851 balance, $130,000 paid in, $170,851 interest.
Yr 0Yr 7Yr 13Yr 20
Future value$300,851
Contributions$120,000
Interest earned$170,851
Starting principal$10,000

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How to use this tool

  1. Enter starting principal and the amount you plan to add regularly.
  2. Choose contribution frequency, annual return and number of years.
  3. Compare your deposits with projected investment earnings.

How we calculate it

Each contribution arrives at the end of its period. The return for that period follows the chosen nominal annual rate and compounding frequency.

Projections use a constant return. They exclude taxes, fees and changes in prices.

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