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Compound Interest Calculator

Forecast compound growth for savings or investments with custom contributions and compounding frequency.

Future balance

After 20 years

$222,711.7257.8%
Total interest earned

Growth from compounding

$128,711.72

Represents 57.8% of your ending balance.

Your contributions

Recurring deposits

$84,000.00

Average $4,200.00 per year.

Effective annual yield

With selected compounding

7.23%

Switch to beginning-of-period contributions to squeeze more from the same deposits.

Growth trajectory
Compare how your balance builds from the initial deposit, ongoing contributions, and compound interest.

Starting principal

$10,000.00

Deposits added

$84,000.00

Growth multiple

22.27

Year-by-year breakdown
Track how much of each year's growth came from contributions versus market returns.
YearStartDepositsInterestEnd balance
1$10,000.00$4,200.00$860.31$15,060.31
2$15,060.31$4,200.00$1,226.12$20,486.42
3$20,486.42$4,200.00$1,618.37$26,304.79
4$26,304.79$4,200.00$2,038.98$32,543.77
5$32,543.77$4,200.00$2,490.00$39,233.77
6$39,233.77$4,200.00$2,973.62$46,407.39
7$46,407.39$4,200.00$3,492.20$54,099.58
8$54,099.58$4,200.00$4,048.27$62,347.85
9$62,347.85$4,200.00$4,644.54$71,192.39
10$71,192.39$4,200.00$5,283.91$80,676.30
11$80,676.30$4,200.00$5,969.50$90,845.80
12$90,845.80$4,200.00$6,704.65$101,750.45
13$101,750.45$4,200.00$7,492.95$113,443.41
14$113,443.41$4,200.00$8,338.24$125,981.64
15$125,981.64$4,200.00$9,244.63$139,426.27
16$139,426.27$4,200.00$10,216.54$153,842.81
17$153,842.81$4,200.00$11,258.71$169,301.53
18$169,301.53$4,200.00$12,376.23$185,877.75
19$185,877.75$4,200.00$13,574.52$203,652.28
20$203,652.28$4,200.00$14,859.44$222,711.72
Milestones to watch
These checkpoints highlight when compounding begins to outpace your own deposits.

  • Contributions vs. interest

    By year 9, interest earned each year exceeds what you add.

  • Double your starting balance

    You cross 2Ă— your initial investment around year 2.

  • Seven-figure status

    Need a bigger contribution or higher return to hit a million within the tracked horizon.

  • Net gains

    Your portfolio outpaces what you put in by $128,711.72.

Compound Interest FAQs