See how your money grows. Enter a starting amount, annual rate and time horizon — add a monthly contribution to model real saving and investing.
Inputs
Result
FAQ
What is compound interest?
It is interest earned on both your principal and the interest already accumulated. The more frequent the compounding and the longer the time, the faster your balance grows.
How do contributions affect the result?
Each monthly contribution is added and then compounds forward until the end date, so regular saving significantly boosts the final value compared with a lump sum alone.
Is this financial advice?
No. It is a math model using the rate and inputs you provide. Real returns vary and are not guaranteed.
Why does compounding frequency matter?
More frequent compounding (e.g. daily vs yearly) yields slightly more because interest starts earning interest sooner. The effect is small at low rates but grows over long periods.