Compound Interest Calculator
Free Online Compound Interest Calculator
Compound Growth · Continuous Compounding · Frequency Comparison
Compound Interest Calculator
Compound Growth · Continuous Compounding · Frequency Comparison
Compound interest earns interest on interest — the most powerful force in finance. Formula: A = P(1 + r/n)^(nt) + PMT × [(1+r/n)^(nt) − 1] / (r/n). The longer the time horizon and higher the frequency, the greater the compounding advantage.
Principal & Contributions
$
$
Rate & Term
%
yrs
Additional Adjustments
%
% (0 = tax-deferred)
%/yr
Growth Summary
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Final Balance
—
—
Total Interest Earned
—
—
📊 Principal · Contributions · Interest
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Initial Principal
Regular Contributions
Compound Interest
Initial Principal
—
Total Contributions
—
Interest Earned
—
Growth Multiplier
—
EAR (Effective Annual Rate)
—
Real Return (after inflation)
—
Rule of 72 (doubling time)
—
After-Tax Final Balance
—
🎯 Doubling Milestones (Principal Only)
💰 Where Does the Final Balance Come From?
🔮 What-If Scenarios
Investing for 5 more years:—
Rate drops 2% (conservative scenario):—
Rate rises 2% (optimistic scenario):—
If contribution doubles this year:—
If you started 10 years earlier:—
Daily vs annual compounding difference:—
📋 Year-by-Year Compound Growth Table
| Year | Opening | Contribution | Interest | Balance | Real Value | Interest % |
|---|
Compound Interest Insights
Continuous compounding is the mathematical limit — interest compounds infinitely often every instant. Formula: A = Pe^(rt), where e ≈ 2.71828. It earns slightly more than any finite compounding frequency and is used in options pricing and theoretical finance.
Continuous Compounding Inputs
$
%
yrs
%
Continuous vs Discrete Result
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Continuous Final Value (Pe^rt)
—
—
Advantage over Selected Frequency
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—
Principal (P)
—
Nominal Rate (r)
—
e^(rt) Factor
—
Continuous Interest
—
EAR (Continuous)
—
EAR (Selected Freq)
—
Real Value (inflation-adj.)
—
Compare Frequency Value
—
⚡ Final Value by Compounding Frequency (same principal & rate)
🔮 Continuous Compounding Scenarios
Continuous vs annual compounding gap:—
At rate needed to double in 10 years:—
At rate needed to triple in 10 years:—
Present value of target (reverse: PV = A/e^rt):—
Rule of e^1 (100% return time):—
📋 Year-by-Year: Continuous vs Discrete
| Year | Continuous (Pe^rt) | Selected Freq | Annual | Advantage | Real (cont.) |
|---|
Continuous Compounding Insights
Compare all compounding frequencies side-by-side — from annual to continuous. See exactly how much more you earn by choosing a higher-frequency account, and whether the difference justifies switching products.
Comparison Inputs
$
%
yrs
$
%
Frequency Comparison
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Final Balance by Compounding Frequency
Best: Continuous Compounding
—
—
Worst: Annual Compounding
—
—
Daily vs Annual Gain
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Monthly vs Annual Gain
—
Continuous vs Annual
—
EAR Spread (cont. vs ann.)
—
Annual EAR
—
Monthly EAR
—
Daily EAR
—
Continuous EAR
—
📊 Final Balance Comparison — All Frequencies
🔮 Frequency Scenarios
Switching from annual to monthly compounding:—
Over 30 years — daily vs annual difference:—
On $100K principal, monthly vs daily extra:—
APY of a 5% APR account compounded daily:—
Continuous vs monthly compounding gap:—
Compounding Frequency Insights
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