Compound Interest Calculator
See how a lump sum grows with compounding interest.
Runs locally in your browser — your numbers never leave this pageTry: Principal=1000, Annual rate=5, Compounds / year=12, Years=10 → $1,000, 5.00%, 12, 10, $1,647, $647
How to use
Compound interest adds earned interest back to the balance so the next period earns on a larger amount. More frequent compounding grows faster.
Formula
A = P (1 + r/n)nt
P = principal, r = annual rate, n = compounding periods per year, t = years, A = future value.
FAQ
Does daily compounding beat monthly?
Slightly. The difference is small at low rates but grows with a higher rate and longer term.
Is this the same as an APR?
APR is the nominal yearly rate; compounding frequency determines the effective yield, which is usually higher.
Are taxes or fees included?
No. This is gross math only — real returns are lower after taxes and fund fees.
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