Compound interest calculator
Future value with compounding schedule and a simple growth chart.
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Amount 1,647.01; interest 647.01
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About Compound interest calculator
Calculate compound interest future value with compounding frequency and a year-by-year growth chart, offline.
Compound interest is the version of growth where interest earns interest. The classic formula is A = P(1 + r/n)^(n×t): principal, annual rate, compounds per year, and years. Banks, CDs, and textbook problems all use some flavor of that equation.
Enter those four inputs and you get ending balance, interest earned, and a simple year-end chart so the curve is visible instead of a single opaque number. Compounding frequency matters: daily vs monthly vs yearly changes the result even when the headline APR looks the same.
This page does not add regular deposits. If you are saving a fixed amount every month toward retirement, the retirement calculator is the right tool. If you want the non-compounding twin for a short loan note, use simple interest. Rule of 72 answers only 'how long to double'.
How to use Compound interest calculator
- 1Enter principal, annual rate %, compounds per year, and years.
- 2Read ending amount, interest earned, and the growth chart.
- 3Compare with simple interest or rule of 72 if you need the contrast.
What it won't do
- No recurring contributions on this page.
- No fees, taxes, or variable rates.
Common questions
Does the compound interest calculator include monthly contributions?
No. It grows a single principal. For recurring deposits, use the retirement calculator, which models a growing annuity on top of current savings.
What compounding frequencies are supported?
Whatever integer compounds-per-year you type — yearly (1), quarterly (4), monthly (12), daily (365), and so on. The formula uses n directly.
Is this the same as APR versus APY?
You enter a nominal annual rate and a compounding frequency; the ending balance reflects that. Marketing APY already folds compounding in — do not double-count by treating APY as if it needed another n.
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Why this one doesn't upload your file
There is no server to upload to. This page is a static file, and the work happens in your browser using the same graphics and WebAssembly code that renders every other site you visit. Your file is read from disk into memory, processed, and handed back as a download. Once the page has loaded you can disconnect from the network entirely and it keeps working. The longer explanation