Compound Interest Calculator
See how an initial deposit and regular contributions grow with compound interest, and how much of the final balance is interest earned.
Your numbers
- Total contributions
- $160,000
- Interest earned
- $302,290
- Interest share of balance
- 65.39%
- Contributions
- Interest
How the compound interest calculator works
Future value = P·(1 + r/n)^(nt) + contributions compounded. We compound at your chosen frequency and add contributions monthly.
Example
Using the default inputs (Initial deposit: $10,000; Monthly contribution: $500; Annual return: 7%; Years: 25; Compounding: Monthly), the calculator returns future value of $462,290. Change any field above to see your own result and charts update instantly.
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Frequently asked questions
What is compound interest?
Interest earned on both your original deposit and previously earned interest, which causes exponential growth.
How often should interest compound?
More frequent compounding (daily vs annually) helps slightly; contribution amount and time matter far more.
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Estimates are for educational purposes only and are not financial, tax or legal advice. Results depend on your inputs and simplified assumptions; tax figures reflect 2026 federal rules and may differ from your situation. See our disclaimer. © 2026 FinanzCalc.