Financial calculator
Compound Interest Calculator
Estimate future value, contributions, and interest using compounding and recurring contributions.
Build your scenario
Use your actual figures where available. The output is an educational estimate based on the assumptions below.
FINANCIAL ESTIMATE
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Estimated interest—
Total contributed—
Compounding periods—
Results are estimates for education. Actual terms, rates, taxes, fees, compounding, and lender or investment conditions can change the outcome.
How this compound interest calculator works
With recurring contributions, growth can come from both your deposits and the assumed return on the accumulated balance.
Important: Review the assumptions shown under each input. Changing one assumption can materially change the result.
When to use this calculator
- See how a starting balance plus regular deposits can grow at an assumed nominal rate.
- Compare monthly versus annual compounding by changing the frequency field.
- Check a 0% rate to confirm deposits still add up even when there is no growth.
Related education
Read the guide → Browse all financial guides →
Frequently asked questions
What does the frequency field control?
It is both the compounding schedule and how often each contribution is added. Monthly means 12 periods a year for both.
What happens at a 0% rate?
The ending value is starting principal plus every contribution. Deposits are not dropped.
Is this an effective annual rate?
No. The rate is nominal. The explanation box shows the equivalent EAR at the chosen frequency.