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Compound Interest Calculator

Estimate compound growth with optional monthly contributions. Includes final balance, total interest, and a year-by-year table. Share a link to restore the same inputs.

Inputs

Tip: If you only know APY, enable β€œAPY mode” to convert it to an equivalent APR for the selected compounding frequency.
Rate preview
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If you selected APY, we convert it to an equivalent APR for the chosen compounding frequency.

Year-by-year table

Shows end-of-year totals based on your settings (estimates).
Year Start balance Contributions (year) Interest (year) End balance Total contributed
Enter values to see the table.

How to use

Simple steps
  1. Choose whether your annual rate is APR or APY.
  2. Select a compounding frequency (monthly is common).
  3. Add monthly contributions if you plan to deposit regularly.
  4. Share the link to reproduce the same inputs.

Examples

Common scenarios

FAQ

Quick answers
Why can APY be higher than APR?
APY includes the effect of compounding. With more frequent compounding, the effective yield can exceed the nominal APR.
Does this include inflation, taxes, or fees?
No. This tool is a math estimate. Real-world results depend on country rules, provider fees, taxes, and product terms.
Why do different calculators show different numbers?
Differences come from rounding, deposit timing assumptions, compounding schedules, and whether taxes/fees are included.
Is my data uploaded?
No. Everything runs locally in your browser. Share links only store numeric inputs in the URL query.