Project investment growth with configurable interest and compounding frequency.
Your result and calculation steps will appear here.
Your calculations are processed locally and are not stored.
Use one currency consistently. Results are in the same currency as the amounts you enter.
Compound growth uses A = P(1 + r/n)^(nt): P is starting principal, r is the annual rate as a decimal, n is compounding periods per year, and t is years. Enter 5 for 5%. $10,000 at 5%, compounded monthly for 10 years, becomes about $16,470.09.
Formula · Worked example · Units and assumptions · Questions and answers
A = P(1 + r ÷ n)ⁿᵗ$10,000 at 5% compounded monthly for 10 years grows to approximately $16,470.09.
Entering an effective annual yield as a nominal rate and then compounding it again.
Explanations updated . See the calculation methodology for precision and review details.
Use the matching example buttons in the calculator to load these inputs. The scenarios are illustrative, not personal advice or real customer records.
Result: 16,470.09
This projects one starting balance with interest retained. Compare it with the monthly savings planner below if you also intend to make recurring deposits.
Result: 1,000
With no return and no extra deposits, the balance stays at 1,000. A baseline helps distinguish modeled growth from money that you contribute yourself.
See how regular month-end deposits change the balance over time. This planner always compounds monthly; the lump-sum calculator above lets you choose a different compounding frequency.
This is an independent planner with its own inputs, not a copy of the result above. Use one currency throughout.
Each month earns balance × annual rate / 1,200, then the deposit is added. Deposits do not earn interest until the following month. Rates can be negative; projected growth is not a guaranteed return. Taxes, fees, inflation, withdrawals, and changing rates are excluded.
Supports up to 1,200 whole months. Internally unrounded results are displayed to two decimals, so an account or lender using monthly cent rounding may differ slightly. Inputs stay in your browser; downloaded CSV files are created locally and not uploaded.
Worked decisions, assumptions, and checks that put the tools in context. Guides are currently published in English.
Compare lump-sum growth with regular monthly savings, inspect end-of-month deposit timing, and distinguish money contributed from modeled interest.
Read the guide →It is interest calculated on both the original principal and previously accumulated interest.
At the same nominal rate, more frequent compounding generally produces a slightly higher ending balance.
Use the separate Monthly savings & growth planner on this page to add month-end deposits with monthly compounding. The main calculator above continues to model one starting balance.
Authoritative material used to check the formula, definition, or interpretation shown on this page: