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Investment Return Calculator

Compound Interest Calculator

Calculate compound interest returns and projected asset growth

Quick Rate Selection

Compound Interest Settings

Set initial capital, monthly contribution, rate of return, and investment period

1,000 USD
50 USD
7%
10 years

10 years later Expected Asset

1.07M
Total Contributed
7,000 USD
Compound Profit
+3,664 USD
Principal 65.6%Profit 34.4%
Rule of 72
10.3 years
Time to double
Compound Effect
+2,964 USD
Extra vs. Simple Interest
Inflation-Adjusted Real Value (2.5% annual)
Real Asset Value
8,331 USD
Real Profit
+1,331 USD

Yearly Asset Growth

The Magic of Compound Interest

Compound interest, often called the "eighth wonder of the world" by Einstein, is the principle where interest earns interest, causing your assets to grow exponentially. Over time, this effect snowballs, making it a key engine of wealth in long-term investing.

Compound Interest Formulas

Basic Compound Formula
A = P × (1 + r/n)^(n×t)
A: Final value, P: Principal, r: Annual rate, n: Compounds per year, t: Years
With Contributions Formula
A = P(1+r)^t + PMT × [((1+r)^t - 1) / r]
PMT: Regular contribution amount
Disclaimer
  • Rate Fluctuation: Actual investment returns vary yearly. Average returns are long-term estimates only.
  • Taxes & Fees: Dividend tax, capital gains tax, and management fees reduce actual returns.
  • Principal Risk: Investments carry risk of principal loss, especially high-return products.

How to Use

  1. 1

    Click quick rate presets like 2% savings, 7% S&P500, or 10% growth stocks to apply expected returns.

  2. 2

    Drag the slider or click presets to set your starting capital. Zero is also valid.

  3. 3

    Set the monthly amount you'll invest. Regular contributions maximize compound effects.

  4. 4

    Set 1-40 years. Compound effects become significant at 10+ years.