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Compound Interest Calculator

See how money grows with compound interest. Tweak rate, contributions, and time to see the impact.

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See how money grows over time with compound interest. Tweak initial amount, monthly contribution, rate, term, and compounding frequency, with sliders for what-iffing. Stacked bar chart shows principal vs interest over the years.

When to use it

  • 1Understanding the impact of starting earlier vs starting later.
  • 2Comparing how much rate or contribution matters more for your situation.
  • 3Showing someone the case for retirement saving with a visual.

How it works

  1. 1

    Enter the inputs

    Initial, monthly contribution, rate, years, compounding frequency. Use sliders to drag values up and down.

  2. 2

    Read the chart

    Stacked bars show principal and interest growing over the years. The final balance is highlighted at the top.

  3. 3

    Tweak and learn

    Move the sliders. Watch how doubling rate or contribution time-shifts the bar chart.

Frequently asked

What compounding frequency should I use?

Most savings accounts compound monthly or daily. Investments typically use annualized returns - in that case, set frequency to annual to model accurately.

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