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Compound Interest Calculator

See how a lump sum can grow over time when interest is compounded at regular intervals.

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Free tool

Enter the starting balance.

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Enter the annual rate.

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Enter how long the money stays invested.

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Choose how often interest is added.

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Privacy-friendly: your inputs are processed locally in your browser.

Formula

The standard compound-interest model applies the rate repeatedly over each compounding period.

A = P × (1 + r ÷ n)⁽ⁿᵗ⁾

How it works

1

Enter the starting amount.

2

Enter the annual rate and time period.

3

Choose the compounding frequency and compare final amount with total interest earned.

Important notes

This tool models a fixed rate and fixed compounding schedule. Real accounts may use different conventions, rates, deposits or fees.