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Calculate your future investment value with annual contributions and interest rate. Visualize the power of compound interest with interactive charts.
Enter the initial investment, annual contribution, annual interest rate (expected return), and investment period. You can also select the contribution timing (beginning/end of year).
The future value, total principal, total interest, and return rate are calculated in real-time. View the power of compound interest visually in the chart.
Click 'Show details' to view the detailed breakdown including start balance, contribution, interest earned, and end balance for each year.
Interest calculated before contribution
Enter values to calculate
Compound Interest Calculator is an online tool for calculating the future value of investments and savings. Simply enter the initial investment, periodic contribution, annual interest rate, and investment period to simulate asset growth through compound interest. Visualize your wealth progression with charts and yearly breakdowns to help plan long-term investments.
Compound interest is a calculation method where interest is earned not only on the principal but also on previously accumulated interest. This 'compound effect' can lead to significantly greater growth over long periods compared to simple interest.
Beginning of year contributions are made at the start of each year and earn interest for that entire year. End of year contributions are made at the end of each year and start earning interest the following year. Beginning of year contributions are slightly more advantageous.
No, this simulation provides reference values assuming the specified interest rate continues. Actual investments are subject to market fluctuations, and returns are not guaranteed.
This simulation does not account for taxes. In practice, investment gains are typically taxed at around 15-20%, but tax-advantaged accounts like 401(k) or IRA can reduce or defer taxes.
Yes, you can enter interest rates from -50% to 100%. This allows you to simulate scenarios where assets decrease.