Compound Interest Calculator

Project your wealth growth over time with monthly contributions and annual compounding. Watch the magic of interest-on-interest in real-time.

* All historical data suggests long-term stock market returns average 7–10%.
Total Projected Value
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Total Principal Paid $0
Total Interest Earned $0
Wealth Growth

Expert Wealth Building Guides

Compound Interest Masterclass Understand the Rule of 72 and the mathematics of long-term wealth.
$10,000 Growth Projections See what a $10,000 seed investment can grow into over 5, 10, and 20 years.
Saving $500/Month Strategy The "Golden Baseline" for achieving retirement independence in the US.

How to Master Compounding

Compound interest is the result of reinvesting interest, rather than paying it out, so that interest in the next period is then earned on the principal sum plus previously accumulated interest. In the American financial system, it is the primary engine of retirement success.

Pro Tip: Avoid the Tax Drag

Try modeling these numbers inside a Roth IRA. In a tax-advantaged account, you keep 100% of the growth shown above, compared to a standard taxable account where state and federal capital gains taxes could eat 15–20% of your profit.