How this compound interest calculator works
This calculator estimates future portfolio value using your initial investment, regular contributions, contribution frequency, annual return, investment period, compounding frequency, and optional annual contribution increase.
Future Value = Principal Growth + Contribution Growth
What this version includes
- Initial investment grows over the full investment period.
- Regular contributions can be monthly or yearly and can increase each year.
- Compounding frequency lets you compare monthly, quarterly, annual, and daily compounding.
- Inflation-adjusted value estimates what the future balance may be worth in today’s dollars.
- Return comparison shows 5%, 7%, and 10% outcomes side by side.
- Year-by-year growth separates your contributions from investment growth.
Example
If you start with $10,000 and invest $500 per month for 20 years at a 7% annual return, your portfolio may grow to roughly $279,000 before taxes and fees.
Important note
This tool is for educational planning only. It does not include taxes, fees, market volatility, sequence risk, or changes in your income and spending.
How to use this calculator
- Enter realistic values that match your current situation.
- Press Calculate to refresh the estimate.
- Compare the main result with the supporting details in the result panel.
- Change one input at a time to see which variable affects the result most.
Planning note: Compound Interest Calculator gives an educational estimate. It does not include every tax rule, fee, platform policy, market condition, or personal constraint, so use it as a quick planning reference rather than a final decision.