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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.

工具摘要

此工具接收结构化输入，在浏览器中返回确定性输出，无需上传到服务器。

工具名称
Compound Interest Calculator
输入意图
提供需要转换、校验或分析的原始内容。
输出意图
获得可直接复制、复用或排错的规范化输出。
示例输入
$10,000 · 7% · 20 years · monthly · no contributions
示例输出
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.

工具介绍

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.

工具概览

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.

使用场景

  • 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

输入/输出示例

输入意图
$10,000 · 7% · 20 years · monthly · no contributions
输出意图
Future value ≈ $40,387 · Interest ≈ $30,387
输入意图
$0 · 8% · 30 years · monthly · $500/month
输出意图
Future value ≈ $745,180 · Contributions $180,000 · Interest ≈ $565,180

常见问题

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.

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