Compound Interest Calculator

See how consistent returns and contributions compound over time.

Initial Investment ($)

Monthly Contribution ($)

Annual Return (%)

Time Period (years)

Final Balance

$113,669

Total Contributed$70,000

Interest Earned$43,669

Growth Multiple1.62x

How it works

Compound interest is growth on growth — your returns earn their own returns. A $10,000 portfolio growing at 8% annually becomes $21,589 in 10 years without any contributions. Add $500/month and it reaches $101,000+. The key is time: the earlier you start, the more compounding works for you.