Savings & investing calculator

Compound interest calculator

See how your money grows over time when interest compounds — and how much of the final total is pure growth.

Includes regular contributions Shows principal vs. interest No signup required
Enter your numbers Savings · 2026
Final balance
$0
after 25 years of compounding
✓ Compounding is doing the heavy lifting
What makes up your final balance
Money you put in
Interest earned
Total contributed
Total interest earned
Interest as % of total

How to read your results

Compound interest is interest earned on your interest. Each period, your balance grows, and the next period's interest is calculated on that larger balance — so growth accelerates over time. This calculator combines your starting amount, your regular monthly contributions, and compounding at the frequency you choose.

The bar shows the single most important insight: over a long enough timeline, the interest earned often exceeds the total amount you actually contributed. That gap is the entire reason to start investing early.

Time matters more than amount. Because compounding accelerates, the early years of contributions do the most work — they have the longest time to grow. Someone who invests for 10 years starting at 25 and then stops often ends up with more than someone who starts at 35 and contributes for 30 years straight. Starting early beats contributing more.

What this calculator doesn't include

  • Taxes — investment gains in a taxable account are taxed; gains in a Roth IRA, traditional 401(k), or HSA grow tax-advantaged. Where you hold the money changes your real return.
  • Inflation — this shows nominal dollars. $1,000,000 in 25 years won't buy what it does today. Use our inflation calculator to see real purchasing power.
  • Fees — investment fund expense ratios and advisor fees reduce your effective return. Even 1% per year compounds against you significantly over decades.
  • Market volatility — real returns aren't smooth. This assumes a constant rate; actual markets rise and fall, so the final figure is an average-case estimate, not a guarantee.

The Rule of 72

A quick mental shortcut: divide 72 by your interest rate to estimate how many years it takes your money to double. At 7%, money doubles roughly every 10 years (72 ÷ 7 ≈ 10.3). At 9%, every 8 years. It's a surprisingly accurate way to sanity-check compound growth without a calculator.