Compound Interest Calculator

See how your money grows over time with regular contributions, extra deposits, and compound interest

Initial Deposit

Monthly Contribution

Annual Interest Rate (%)

Years

Compound Frequency

Future Value

Total Contributions

Interest Earned

Growth

Extra Lump Sum Deposits (optional)

Add one-off or recurring extra deposits at specific months to see their impact on growth.

Growth Schedule

// Compound Interest

Albert Einstein called it the 8th wonder of the world. Your interest earns interest, creating exponential growth over time.

// Lump Sum Deposits

Ad-hoc lump sums — a bonus, inheritance, or tax refund — can supercharge your growth. Deposited early, they compound for longer. Use recurring deposits to model annual bonuses or quarterly top-ups.

// Start Early

Time is the most powerful factor. Starting 10 years earlier can double your final amount even with the same contributions.

// Rule of 72

Divide 72 by your interest rate to estimate years to double. At 8%, money doubles roughly every 9 years.