Calculate investment growth with compound interest and monthly contributions.
Quick presets
Final balance
$15,669.93
Principal
$10,000.00
Contributions
$0.00
Interest earned
$5,669.93
Interest %
56.7%
Year-by-year breakdown
| Year | Balance | Year interest | Total interest |
|---|---|---|---|
| 1 | $10,459.40 | $459.40 | $459.40 |
| 2 | $10,939.90 | $480.50 | $939.90 |
| 3 | $11,442.48 | $502.58 | $1,442.48 |
| 4 | $11,968.14 | $525.67 | $1,968.14 |
| 5 | $12,517.96 | $549.81 | $2,517.96 |
| 6 | $13,093.03 | $575.07 | $3,093.03 |
| 7 | $13,694.52 | $601.49 | $3,694.52 |
| 8 | $14,323.65 | $629.12 | $4,323.65 |
| 9 | $14,981.67 | $658.03 | $4,981.67 |
| 10 | $15,669.93 | $688.26 | $5,669.93 |
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A = P(1 + r/n)^(nt), where P is the principal, r is the annual interest rate (as a decimal), n is the number of compounding periods per year, and t is the number of years. The key insight: interest earned in earlier periods itself earns interest in later periods, causing exponential growth.
See how your money grows with compound interest. Enter a principal, interest rate, compounding frequency, and time period — optionally add a monthly contribution. Shows final balance, total interest earned, and a year-by-year breakdown you can download as CSV. Free, no signup, runs in your browser.