Compound Interest Calculator
See how consistent investing and compounding can grow over time.
Your Assumptions
Educational illustration only. This is not investment advice, a performance guarantee, or a prediction of future results. See full methodology and limitations below.
Growth Over Time
Total Contributions
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Total Growth
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Future Value
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How this calculator works
This tool applies a constant annual rate of return, compounded monthly, to a starting balance and optional fixed monthly contributions. Contributions are treated as occurring at the end of each month. The chart compares cumulative contributions to illustrated portfolio value over the number of years you enter.
Important limitations
- Returns are hypothetical and fixed. Real markets fluctuate; actual returns will differ and may be negative in any period.
- The calculator does not include investment fees, advisory fees, trading costs, taxes, inflation, or cash drag.
- It does not model sequence-of-returns risk, rebalancing, withdrawals, or changing contribution amounts.
- Results are not a projection of current or future performance and are not an indication of future results.
- This tool does not consider your objectives, risk tolerance, time horizon, or tax situation and is not personalized advice.
All information and ideas should be discussed in detail with your individual adviser prior to implementation. Investing always involves risk and possible loss of capital.