Compound Interest & Investment Calculator
Calculate how your money grows over time with the power of compound interest. Model initial deposits, regular monthly or annual contributions, custom compounding frequencies (daily, monthly, quarterly, annually), inflation adjustments, and explore an interactive balance growth trajectory chart with full year-by-year amortization schedules.
Compound Interest & Investment Calculator
Calculate the exponential growth of your investments over time with custom compounding and regular deposits.
Year-by-Year Schedule
Annual interest compounding breakdown over 15 years.
| Year | Deposits | Interest Earned | Total Interest | Ending Balance |
|---|---|---|---|---|
| Yr 1 | $16,000.00 | +$986.93 | $986.93 | $16,986.93 |
| Yr 2 | $22,000.00 | +$1,529.35 | $2,516.28 | $24,516.28 |
| Yr 3 | $28,000.00 | +$2,113.87 | $4,630.15 | $32,630.15 |
| Yr 4 | $34,000.00 | +$2,743.77 | $7,373.92 | $41,373.92 |
| Yr 5 | $40,000.00 | +$3,422.57 | $10,796.50 | $50,796.50 |
| Yr 6 | $46,000.00 | +$4,154.07 | $14,950.57 | $60,950.57 |
| Yr 7 | $52,000.00 | +$4,942.36 | $19,892.93 | $71,892.93 |
| Yr 8 | $58,000.00 | +$5,791.84 | $25,684.77 | $83,684.77 |
| Yr 9 | $64,000.00 | +$6,707.27 | $32,392.04 | $96,392.04 |
| Yr 10 | $70,000.00 | +$7,693.77 | $40,085.82 | $110,085.82 |
| Yr 11 | $76,000.00 | +$8,756.86 | $48,842.67 | $124,842.67 |
| Yr 12 | $82,000.00 | +$9,902.47 | $58,745.14 | $140,745.14 |
| Yr 13 | $88,000.00 | +$11,137.02 | $69,882.16 | $157,882.16 |
| Yr 14 | $94,000.00 | +$12,467.41 | $82,349.57 | $176,349.57 |
| Yr 15 | $100,000.00 | +$13,901.08 | $96,250.66 | $196,250.66 |
How to use this tool
Enter your starting initial investment amount and optional monthly contribution.
Set your expected annual interest rate percentage and investment horizon in years.
Choose your preferred compounding frequency (Daily, Monthly, Quarterly, or Annually).
Review the visual balance growth chart, interest-to-deposit ratio, and export the full amortization schedule.
Frequently asked questions
What is compound interest?
Compound interest is interest earned on both your initial principal investment AND the accumulated interest from prior periods, creating exponential 'interest on interest' growth over time.
How does compounding frequency impact returns?
More frequent compounding (e.g. daily or monthly vs annually) generates slightly higher returns because interest is credited and begins earning additional interest sooner.
What is the Rule of 72?
The Rule of 72 is a quick mental shortcut to estimate how many years it takes for your investment to double. Simply divide 72 by your annual interest rate (e.g. 72 / 7% = ~10.3 years to double).
How does inflation adjustment work?
When enabled, the inflation adjustment calculates the 'real purchasing power' of your future balance in today's currency based on your estimated annual inflation rate.
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