Compound Interest Calculator
Project long-term account growth using compound interest. Start with an initial amount, set your expected return, and add recurring contributions. You can adjust compounding cadence and contribution growth to compare conservative vs aggressive savings plans.
Calculator
Inputs
Final balance
$54,075
Total contributions
$34,000
Total growth
$20,075
Growth multiple
5.41x
Growth over time
Contributions vs growth
Year-by-year breakdown
| Point | Balance | Contributions | Growth |
|---|---|---|---|
| Start | $10,000 | $10,000 | $0 |
| 1.0y | $13,190 | $12,400 | $790 |
| 2.0y | $16,603 | $14,800 | $1,803 |
| 3.0y | $20,256 | $17,200 | $3,056 |
| 4.0y | $24,164 | $19,600 | $4,564 |
| 5.0y | $28,345 | $22,000 | $6,345 |
| 6.0y | $32,819 | $24,400 | $8,419 |
| 7.0y | $37,607 | $26,800 | $10,807 |
| 8.0y | $42,729 | $29,200 | $13,529 |
| 9.0y | $48,211 | $31,600 | $16,611 |
| 10.0y | $54,075 | $34,000 | $20,075 |
Frequently asked questions
- What does compounding cadence change?
- Cadence controls how often interest is added to your balance (daily, monthly, quarterly, annual). More frequent compounding generally increases growth.
- Are taxes and fees included?
- No. This is a pre-tax educational estimate. Real outcomes depend on taxes, account fees, and actual market returns.
- Why does contribution growth matter?
- Even small annual increases to your contribution amount can materially raise your ending balance over long horizons.