📈 Compound Interest Calculator

See the power of compound interest — watch your investment grow year by year with a beautiful interactive chart.

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Investment Details
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$
%
yrs
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Your Results
Future Value
After 20 years
Starting Amount
Total Contributions Added
Total Interest Earned
Return on Investment
Rule of 72 — doubles every

Compound interest is calculated on both the initial principal and the accumulated interest from previous periods — meaning you earn interest on your interest, causing exponential growth.

A = P × (1 + r/n)^(n×t) + PMT × [(1 + r/n)^(n×t) − 1] / (r/n)

A = Future value
P = Starting amount (principal)
PMT = Contribution per compounding period
r = Annual interest rate (as a decimal)
n = Compounding periods per year
t = Time in years

The Rule of 72: divide 72 by the annual rate to estimate years to double. At 7%, money doubles roughly every 10.3 years.

On the chart, the gap between the green "Total Value" line and the gold "Total Invested" line is the interest you earned — that gap is the magic of compounding growing wider each year.