UtilitySansar
모든 도구
카테고리
DeveloperMathTextDesignEncodingSecurityMarketingDataFinanceCloud
Finance

Compound Interest Calculator

Project how a starting amount and optional monthly contributions grow over time under compound interest. Choose the compounding frequency — from daily to continuous — and see the year-by-year balance, total contributions, and interest earned.

도구 요약

이 도구는 구조화된 입력을 받아 서버 업로드 없이 브라우저에서 결정적인 출력을 반환합니다.

도구 이름
Compound Interest Calculator
입력 의도
변환·검증·분석할 원본 콘텐츠를 제공하세요.
출력 의도
복사, 재사용 또는 디버깅에 적합한 정규화된 출력을 받습니다.
예시 입력
$10,000 · 7% · 20 years · monthly · no contributions
예시 출력
Future value ≈ $40,387 · Interest ≈ $30,387
Future value
$20,096.61
Contributions
$10,000.00
Interest earned
$10,096.61
YearContributionsInterestBalance
Year 1$10,000.00$722.90$10,722.90
Year 2$10,000.00$1,498.06$11,498.06
Year 3$10,000.00$2,329.26$12,329.26
Year 4$10,000.00$3,220.54$13,220.54
Year 5$10,000.00$4,176.25$14,176.25
Year 6$10,000.00$5,201.06$15,201.06
Year 7$10,000.00$6,299.94$16,299.94
Year 8$10,000.00$7,478.26$17,478.26
Year 9$10,000.00$8,741.77$18,741.77
Year 10$10,000.00$10,096.61$20,096.61

Uses the compound interest formula A = P(1 + r/n)^(nt) — or A = Pe^(rt) for continuous compounding — with monthly contributions distributed across periods. Investment returns vary; this is a deterministic projection, not a guarantee.

도구 소개

Project how a starting amount and optional monthly contributions grow over time under compound interest. Choose the compounding frequency — from daily to continuous — and see the year-by-year balance, total contributions, and interest earned.

도구 개요

Compound interest is interest that earns interest: each period, the balance is multiplied by 1 + r/n (or e^(r/n) in the continuous limit), so growth is exponential rather than linear. This calculator treats principal plus optional regular contributions the same way a savings account, fixed deposit, SIP, or index-fund projection would. Results are deterministic — real investment returns fluctuate — so treat the output as a planning estimate, not a guarantee.

사용 사례

  • Plan a retirement, emergency-fund, or down-payment target
  • Compare a lump-sum investment to a systematic monthly plan
  • Estimate future value of a fixed deposit or index fund
  • Quantify how compounding frequency changes the final balance

입력/출력 예시

입력 의도
$10,000 · 7% · 20 years · monthly · no contributions
출력 의도
Future value ≈ $40,387 · Interest ≈ $30,387
입력 의도
$0 · 8% · 30 years · monthly · $500/month
출력 의도
Future value ≈ $745,180 · Contributions $180,000 · Interest ≈ $565,180

자주 묻는 질문

What is the compound interest formula?+
A = P · (1 + r/n)^(n·t), where P is principal, r is the annual rate, n is the number of compounding periods per year, and t is time in years. For continuous compounding the formula is A = P · e^(r·t).
How are monthly contributions handled?+
Contributions are converted to a per-period amount (for example, $500/month becomes $1,500/quarter when compounding is quarterly) and added at the end of each period before the next compounding step.
Is this a SIP (Systematic Investment Plan) calculator?+
Yes — use the monthly-contribution field and pick monthly compounding to model a typical SIP at an assumed annualized return.
Does compounding frequency matter much?+
At typical savings rates the difference between daily and continuous compounding is small, but over long horizons or higher rates it is noticeable. Try the same inputs across frequencies to see the gap.

Share this tool

다른 도구 보기

아래의 Finance 카테고리에서 관련 유틸리티를 찾아보세요.

전체 Finance 보기

관련 도구

유용할 수 있는 엄선된 유틸리티