Compound Interest Calculator
Last updated: May 10, 2026See how savings grow over time.
Compound Interest Calculator is a free online calculator to see how savings grow over time. It runs entirely in your browser, so your files never leave your device — nothing is uploaded. There's no sign-up, no watermark, and it works on any modern browser on desktop or mobile.
How to use Compound Interest Calculator
This compound interest calculator shows how a lump sum grows when interest earns interest, using A = P times (1 + r/n)^(n times t), where P is the principal, r the annual rate, n the compounding frequency and t the years. Adjust the principal, rate, time and frequency to watch your balance build year by year. Savers and investors use it to compare accounts and understand long-term growth.
Read the full guide: How Compound Interest Works: Formula and Examples Explained
- 1Enter your starting principal, annual interest rate and number of years.
- 2Choose how often interest compounds, such as yearly, quarterly, monthly or daily.
- 3Read the final balance and total interest, with the year-by-year growth shown.
Frequency matters
Compare yearly versus monthly or daily compounding to see how often-ness boosts returns.
Year-by-year view
Track how the balance climbs each year instead of seeing only the final number.
Separates interest earned
It shows total interest apart from your original principal so growth is clear.
Compound Interest Calculator — frequently asked questions
What is the compound interest formula?
The future value is A = P(1 + r/n)^(nt). P is the principal, r is the annual rate as a decimal, n is how many times interest compounds per year, and t is the number of years. Interest earned is simply A minus P.
How does compounding frequency change the result?
More frequent compounding means interest is added to the balance sooner and starts earning its own interest, so the total grows slightly faster. Daily compounding yields a bit more than monthly, which yields more than annual, at the same rate.
Does this account for regular deposits?
This calculator models a single lump sum left to grow. If you plan to add money every month, a SIP or recurring deposit calculation is the better fit since it compounds each contribution separately.
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