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Compound Interest
Project investment growth with regular contributions over time.
Your investment
Starting balance, regular contributions, and expected annual return.
$
$
%
Time horizon
Compound frequency
What if?
Quick growth scenarios
See how a higher return, bigger contributions, or no contributions change the outcome.
Growth Projection
Compound growth over 30 years at 7.00% annual return.
$660,849 at year 30
$470,849 comes from compound growth — 3.5× your total contributions of $190,000.
Summary$660,849
$660,849
Future Value
$190,000
Total Contributions
$470,849
Growth Earned
3.48×
Growth Multiple
Growth Over Time
| Year | Balance | Contributions | Growth |
|---|---|---|---|
| 1 | $16,890 | $16,000 | $890 |
| 2 | $24,263 | $22,000 | $2,263 |
| 3 | $32,151 | $28,000 | $4,151 |
| 4 | $40,592 | $34,000 | $6,592 |
| 5 | $49,623 | $40,000 | $9,623 |
| 6 | $59,287 | $46,000 | $13,287 |
| 7 | $69,627 | $52,000 | $17,627 |
| 8 | $80,692 | $58,000 | $22,692 |
| 9 | $92,530 | $64,000 | $28,530 |
| 10 | $105,197 | $70,000 | $35,197 |
| 11 | $118,751 | $76,000 | $42,751 |
| 12 | $133,254 | $82,000 | $51,254 |
| 13 | $148,772 | $88,000 | $60,772 |
| 14 | $165,376 | $94,000 | $71,376 |
| 15 | $183,143 | $100,000 | $83,143 |
| 16 | $202,153 | $106,000 | $96,153 |
| 17 | $222,494 | $112,000 | $110,494 |
| 18 | $244,258 | $118,000 | $126,258 |
| 19 | $267,547 | $124,000 | $143,547 |
| 20 | $292,465 | $130,000 | $162,465 |
| 21 | $319,128 | $136,000 | $183,128 |
| 22 | $347,657 | $142,000 | $205,657 |
| 23 | $378,183 | $148,000 | $230,183 |
| 24 | $410,846 | $154,000 | $256,846 |
| 25 | $445,795 | $160,000 | $285,795 |
| 26 | $483,191 | $166,000 | $317,191 |
| 27 | $523,205 | $172,000 | $351,205 |
| 28 | $566,019 | $178,000 | $388,019 |
| 29 | $611,831 | $184,000 | $427,831 |
| 30 | $660,849 | $190,000 | $470,849 |
How this works
- Contributions are added each month.
- Return is 7.00% per year, applied monthly (equivalent to the stated annual rate).
- Illustrative only — actual returns vary. Does not include taxes, fees, or inflation.
Compound Interest Calculator — Investment Growth Over Time
Project how an initial balance and regular contributions could grow with compound returns over 10–40 years. Adjust return assumptions to see how time and contribution rate affect outcomes.
Common questions
- What return assumption should I use?
- Use conservative long-term averages for planning — not recent bull-market years. Stock-heavy portfolios might use a range of 5%–7% real or 7%–9% nominal for rough estimates, with lower rates for bonds or blended portfolios.
- Does this account for taxes or fees?
- This calculator models pre-tax growth without fund fees unless you adjust the return assumption downward. Use tax-advantaged accounts and fee-aware return estimates for realistic planning.