See how savings grow over time
Compound interest is the effect of earning returns on your returns, and over years it makes a dramatic difference compared with simple interest. This calculator projects how an initial amount, plus any regular contributions, grows at a given rate over time — a clear way to see why starting early and contributing steadily matters so much.
How to use it
- Enter a starting amount and any regular contribution.
- Set the interest rate and the number of years.
- Read the projected balance and how much is growth.
What it shows
- How the balance accelerates as interest compounds.
- The share of the final total that is growth versus what you put in.
- The impact of time — longer horizons compound far more.
Questions people ask
Does it account for inflation or tax? No — it shows nominal growth. Real spending power will be lower once inflation and tax are considered.
Is my data stored? No — it runs in your browser.