Compound Interest Calculator
Category Tools for finance
Estimate future value and total growth from an initial principal, annual rate, years, and compounding frequency.
Principal 1000 at 10% for 5 years compounded 12 times yearly produces future value 1645.31 and total growth 645.31.
Compound Interest Calculator
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How this tool helps
Enter a non-negative starting principal, annual interest rate, time in years, and a positive whole number of compounding periods per year. The calculator applies P × (1 + r/n)^(n×t), then shows the future value and the increase over the principal, rounded to two decimals. It models no recurring contributions, withdrawals, fees, taxes, inflation, changing rates, or investment risk.
Use the loan calculator for amortizing debt payments; this tool models growth of one principal instead.
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Helpful questions about this tool
Which compound-interest formula is used?
The calculator uses P × (1 + r/n)^(n×t).
Are recurring contributions included?
No. Only the initial principal grows in this version.
What does compounds per year mean?
It is how often interest is added each year, such as 12 for monthly compounding.
Is the result an investment forecast?
No. It is a mathematical estimate with a fixed rate and does not model market risk or changing returns.
How to use Compound Interest Calculator
1
Enter principal
Enter the non-negative starting balance.
2
Set rate and years
Enter a non-negative annual percentage and a non-negative duration.
3
Set compounding frequency
Enter a positive whole number such as 1, 4, or 12.
4
Review both results
Compare future value with total growth over the principal.
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