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Compound interest calculator
See how savings can grow with annual compounding.
Estimated ending value
$67,932.91- Total contributions
- $40,000.00
- Estimated interest
- $27,932.91
- Inflation-adjusted value
- $67,932.91
- Contribution needed for target
- $151.98 per selected contribution period
■ Contributions■ Interest
Estimate only. Rates are not forecasts. Taxes, fees and changing returns are excluded. Inputs and results stay on this device.Verification and calculation details
- Purpose
- See how savings can grow with annual compounding.
- Variables and units
- Use the labelled fields and units shown in the calculator. Results use those units unless a conversion is stated.
- Formula and method
- The exact formula and worked example are shown below. Deterministic formula executed locally in the browser.
- Assumptions
- Only entered values and stated assumptions are included. Local fees, rules and professional requirements are excluded unless explicitly shown.
- Engine version
- 1.0.0
- Production verification baseline
- Release 63 · source
998803f - Verification run
release-v63-2026-09-20- Last verified
- — Automated release checks passing
Read the Calculation Standard · Report a calculation or source issue
Compare compound-interest scenarios
Change one assumption at a time to see how rate and time affect the estimate.
| Scenario | Assumption | Ending value | Difference |
|---|---|---|---|
| Rate 1 point lower | 7% | $63,367.82 | −$4,565.10 |
| Current inputs | 8% | $67,932.91 | — |
| Rate 1 point higher | 9% | $72,892.14 | +$4,959.23 |
| Five more years | 15 years | $119,578.77 | +$51,645.86 |
Year-by-year projection
The table is graph-ready: each row separates contributions, interest and inflation-adjusted value.
| Period | Contributions | Interest | Ending value | In today’s money |
|---|---|---|---|---|
| Year 1 | $13,000.00 | $942.48 | $13,942.48 | $13,942.48 |
| Year 2 | $16,000.00 | $2,212.18 | $18,212.18 | $18,212.18 |
| Year 3 | $19,000.00 | $3,836.26 | $22,836.26 | $22,836.26 |
| Year 4 | $22,000.00 | $5,844.14 | $27,844.14 | $27,844.14 |
| Year 5 | $25,000.00 | $8,267.67 | $33,267.67 | $33,267.67 |
| Year 6 | $28,000.00 | $11,141.35 | $39,141.35 | $39,141.35 |
| Year 7 | $31,000.00 | $14,502.55 | $45,502.55 | $45,502.55 |
| Year 8 | $34,000.00 | $18,391.72 | $52,391.72 | $52,391.72 |
| Year 9 | $37,000.00 | $22,852.69 | $59,852.69 | $59,852.69 |
| Year 10 | $40,000.00 | $27,932.91 | $67,932.91 | $67,932.91 |
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