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This projection is an estimate and does not guarantee future results.
Detailed yearly breakdown of balance, contributions, and interest growth.
| Year | Starting Balance | Total Contributions | Interest Generated | Ending Balance |
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Compound interest is the process where your investment earns returns not only on the original amount but also on the interest already accumulated over time. This creates a snowball effect that becomes more powerful the longer your money stays invested.
Unlike simple interest, compound interest allows your capital to grow exponentially. That is why it is one of the most important principles in long-term investing, retirement planning, and wealth building.
Start by entering your starting balance, expected annual rate, and investment horizon. Then add any regular contributions you plan to make and choose both the contribution interval and compounding interval. You can also simulate recurring strategies using our DCA calculator.
The calculator will instantly show your projected portfolio value, total contributions, total interest generated, a visual split between capital and growth, and a year-by-year breakdown of your results.
The compound interest formula is commonly written as: A = P (1 + r / n)nt.
In this formula, A is the final amount, P is the starting principal, r is the annual interest rate, n is the number of compounding periods per year, and t is the number of years. This calculator also incorporates recurring contributions to provide a more realistic long-term projection.
To go further, compare strategies with our lump sum vs DCA analysis. Managing your budget is also key. Use our budget planner to improve consistency.
A $10,000 starting balance with a $200 monthly contribution at an 8% annual return over 10 years can produce a significantly larger ending balance than investing the starting balance alone.
Even without recurring contributions, a smaller investment can still grow meaningfully over a long enough horizon because compound interest becomes more powerful with time.
Compound interest is interest calculated on both the original amount invested and the interest previously earned.
More frequent compounding, such as monthly or daily, generally increases the final value compared with yearly compounding.
Simple interest only applies to the starting balance, while compound interest applies to the starting balance plus accumulated interest.
Yes. This calculator can be used for any investment where you want to model long-term growth using an expected annual return.
Access deeper analytics, premium scenarios, and more advanced features with our Pro version. You can also explore the premium DCA calculator for more advanced contribution planning.