United States · Finance
Compound Interest Calculator
Estimate future value from a starting balance, recurring contributions, annual rate, and compounding frequency.
Interactive calculator
Project compound growth
Estimate the future value of a starting balance plus recurring contributions under different compounding frequencies.
Visual projection
Compounding curve by year
The projection highlights how recurring deposits and compound growth stack over time instead of hiding everything inside one future-value output.
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Results
Future value
$120,156
Total contributions
$55,000
Interest earned
$65,156
How to use it
- 01Enter the starting balance you already have invested or saved.
- 02Set the annual return assumption, years, and compounding frequency.
- 03Add a recurring monthly contribution to project the combined growth path.
Result guide
- Future value combines starting balance, contributions, and compounding.
- Total contributions helps separate your deposits from actual growth.
- Interest earned is the compounding effect after all deposits are counted.
About this calculator
Compound interest pages perform well because they sit at the top of many investment and retirement funnels. Users want to see what consistency and time can do to a balance.
Adding recurring contributions makes the tool more useful than a basic principal-only calculator because it mirrors how real savings behavior works.
Frequently asked questions
Why include recurring contributions in a compound interest calculator?
Because most real savings plans involve ongoing deposits, and those deposits meaningfully change long-term outcomes.
Does compounding frequency matter a lot?
It usually matters less than time and contribution level, but it still changes the final result enough to be worth comparing.
Is this suitable for retirement planning?
It is a good first-pass growth estimator, though detailed retirement planning still needs inflation, taxes, fees, and withdrawal assumptions.
Method and limitations
This calculator uses the formula and assumptions described on this page. We do not claim independent professional review. Direct references will be listed here when they support a specific rule or data source used by this calculator.
Results are estimates for general information. Verify current rules and assumptions before making financial, tax, or health decisions.
Read our Editorial and Verification Policy →Related calculators
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