About this calculator

Compound interest is the engine of long-term saving. Annual contributions are assumed added at year end. Real-world returns vary; this is an illustration, not financial advice.

How it works

Enter your starting amount, annual contribution, annual return (%) and years. The result updates as you type, using the formula shown below. Nothing you enter is stored.

Limits

Assumes fixed rates and regular payments, and ignores fees and tax unless entered. This is not financial advice.

Who it's for

Households, borrowers, savers and small businesses comparing options.

Formula: FV = P(1+r)^n + PMT × ((1+r)^n − 1)/r

Frequently asked questions

What does the Compound Interest Calculator do?

Project savings growth with regular contributions and compounding interest. Compound interest is the engine of long-term saving. Annual contributions are assumed added at year end. Real-world returns vary; this is an illustration, not financial advice.

Is the Compound Interest Calculator free to use?

Yes. Every calculator on Calcurly.com is free, works in your browser without sign-up, and can be embedded on your own website.

How accurate is the Compound Interest Calculator?

Results are calculated in real time using the formula FV = P(1+r)^n + PMT × ((1+r)^n − 1)/r. Treat the output as a well-informed estimate — always cross-check with local regulations, product datasheets, or a qualified finance professional before committing to a purchase or a job.

What inputs does the Compound Interest Calculator need?

Enter values for: Starting amount, Annual contribution, Annual return (%), Years. Sensible defaults are pre-filled where possible so you can start with a single change.

Can I embed the Compound Interest Calculator on my own website?

Yes — copy the iframe snippet at the bottom of this page, or use the Embed Generator to customise the size. The embedded version stays in sync with the live calculator on Calcurly.com.