Calculate investment growth with compound interest over time. See how your money grows with regular deposits.
| Year | Starting Balance | Annual Contribution | Interest Earned | Ending Balance |
|---|
Deposits are added proportionally within every compounding period, then interest is applied to the new balance. With monthly compounding each deposit lands in its own period; with annual compounding the year's total contributions are spread across the year so they still start earning interest during the year they were made.
You can compound annually, semi-annually, quarterly, monthly (the default), or daily. The annual rate is divided by the number of periods per year, so at the same nominal rate, more frequent compounding produces a modestly higher final balance because interest starts earning interest sooner.
Each row shows the year, the starting balance, the annual contribution total, the interest earned that year, and the ending balance. Above the table, three summary cards report the final balance, total contributions (your initial investment plus every monthly deposit), and total interest earned, so you can see exactly how much of the growth came from deposits versus interest.
No. The calculator models pure compound growth at a constant nominal rate over a horizon of 1 to 50 years. To approximate real-world returns, subtract expected fees and inflation from the rate you enter, since no adjustment is applied automatically.
No. The growth math, the yearly table, and the chart are all produced in your browser, and the chart library itself is self-hosted alongside the page. Your balances are never transmitted to any server.