Compound Interest Calculator

See how money grows with compound interest and regular monthly contributions, year by year.

FreeNo sign-upRuns in your browserMobile-friendly

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What does the Compound Interest Calculator do?

Compound interest earns interest on previous interest. Over long periods this makes a large difference: 100,000 at 10% compounded monthly grows to about 270,704 in 10 years, compared with 200,000 under simple interest.

Choose yearly, quarterly, monthly or daily compounding and add a monthly contribution. The table shows total contributions, interest earned and balance for each year, and the effective annual rate.

How to use the Compound Interest Calculator

  1. Enter the starting amount, annual rate and number of years.
  2. Choose the compounding frequency.
  3. Optionally add a monthly contribution.
  4. Review the final balance and year-by-year table.

Examples

Lump sum

100,000 at 10% monthly for 10 years → 270,704.15.

Monthly saving

5,000 per month at 8% for 15 years grows to well over twice what you contributed.

Common use cases

  • Savings and investment planning
  • Comparing deposit accounts
  • Retirement and education goals
  • Teaching how compounding works

Features and benefits

  • Private by design — your data is processed on your device and never uploaded.
  • Free with no account, no watermark and no usage limits.
  • Works on phones, tablets and desktops in any modern browser.

Limitations to know

  • Assumes a fixed rate; investment returns vary and are not guaranteed.
  • Inflation, taxes and fees are not included.

Frequently asked questions

What is the compound interest formula?

A = P(1 + r/n)^(nt) for a lump sum, where n is compounding periods per year.

Does compounding frequency matter?

Yes, slightly — more frequent compounding gives a slightly higher effective rate.

When are contributions added?

At the end of each month.

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Free to use on any website. The tool runs inside an iframe served from viptools.pk; nothing your visitors type is sent to your site or ours. Preview the embedded version.

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