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Compound Interest Calculator

Calculate the long-term effects of compound interest with periodic and lump-sum investments, including inflation adjustments.

What is the Compound Interest Calculator?

The Compound Interest Calculator is a tool for projecting the growth of investments over time using compound interest. It allows you to simulate different scenarios by adjusting initial deposits, regular contributions, and interest rates to understand potential future values.

Benefits

  • Calculates the future value of investments based on compound interest
  • Includes options for regular monthly or annual contributions
  • Visualizes growth trends through tables and charts
  • Supports various compounding frequencies for accurate projections

How to use the Compound Interest Calculator?

1. Input your current principal and your 'Monthly SIP' amount.
2. Set your expected 'Annual Rate' and 'Investment Term'.
3. Adjust the 'Expected Inflation' slider to see your results in today's currency value.
4. Review the 'Cost of Delay' to see how starting later impacts your wealth.

Final Estimated Balance

$18,387,527

Total Principal Invested

$2,800,000

Total Interest Earned

$15,587,527

Inflation Adjusted Value (Purchasing Power)

$10,151,218

Visual Breakdown
Growth Forecast
1Year
6Year
12Year
18Year
24Year
30Year

Total Principal Invested

15%

Total Interest Earned

85%

Inflation Penalty

Loss of Buying Power

Compound interest is the addition of interest to the principal sum of a loan or deposit, or in other words, interest on interest.

The Cost of Delay
Procrastination Penalty

How much potential gain will you lose if you don't start now?

Delay 1 Years

Final Estimated Balance

$16,920,855

Potential Loss

-$1,466,672

Delay 3 Years

Final Estimated Balance

$14,316,107

Potential Loss

-$4,071,420

Delay 5 Years

Final Estimated Balance

$12,095,308

Potential Loss

-$6,292,219

Delay 10 Years

Final Estimated Balance

$7,871,905

Potential Loss

-$10,515,622

💰

"Compound interest is the eighth wonder of the world. He who understands it, earns it; he who doesn't, pays it."

— Warren Buffett

Compound Matrix (Rate vs Time)

Asset estimation across different rates and time spans (Unit: 10k)

Year\Rate3%5%8%10%12%15%
5 Year
$1,484,850
$1,623,389
$1,857,230
$2,032,494
$2,225,045
$2,550,054
10 Year
$2,048,061
$2,423,421
$3,134,370
$3,731,266
$4,450,580
$5,816,299
15 Year
$2,702,295
$3,450,149
$5,037,113
$6,526,271
$8,493,703
$12,698,868
20 Year
$3,462,265
$4,767,809
$7,871,905
$11,124,918
$15,838,830
$27,201,691
25 Year
$4,345,059
$6,458,839
$12,095,308
$18,691,112
$29,182,699
$57,761,768
30 Year
$5,370,527
$8,629,037
$18,387,527
$31,139,839
$53,424,462
$122,157,393
What is Compound Interest?

Compound interest is the addition of interest to the principal sum of a loan or deposit, or in other words, interest on interest.

Compound Interest Formula
FV = PV × (1 + r)ⁿ

The basic formula is: FV = PV × (1 + r)^n, where FV is Future Value, PV is Present Value, r is interest rate per period, and n is number of periods.

Your privacy is important to us. All calculations are performed locally in your browser. We do not store or transmit any financial data.

This calculator is for educational and financial simulation purposes only and does not constitute investment advice. Actual returns may vary based on market factors.

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