Compound Interest Calculator

See how your money can grow over time with the power of compound interest, regular contributions, and market compounding.

Investment Parameters

Projected Future Balance
$310,230
Total Principal
$125,000
Total Interest Earned
$185,230
Interest Multiplier
2.48x
Growth Trajectory (Principal vs Compound Interest)
Year 0 Year 10 Year 20

How Compound Interest Works

Compound interest is the mathematical phenomenon where the interest you earn begins earning interest on itself, leading to exponential portfolio expansion over extended timeframes.

A = P(1 + r/n)^(nt) + PMT × [ ((1 + r/n)^(nt) - 1) / (r/n) ]

Where: A = Future Value, P = Principal, r = Annual Interest Rate (decimal), n = Compounding Frequency, t = Time in Years, PMT = Monthly Contribution.