Compound Interest Calculator
Grow savings with monthly deposits: interest, totals and inflation-adjusted value.
Simulate compound growth
- Type the initial capital, the monthly deposit, the rate and the number of years.
- Add yearly inflation to see the purchasing power of the final total.
- Compare invested capital against interest in the chart and the yearly table.
Compound interest questions
Monthly or annual rate?
Match the selector: an annual 12% is not 1% a month — monthly compounding makes it about 0.95%. The tool converts automatically.
Why does interest beat deposits over time?
Each month you earn on a bigger balance. Late years grow mostly from interest-on-interest, which the yearly table shows row by row.
Is this investment advice?
No. Simulation only: real investments add taxes, fees and risk, and past rates never guarantee future returns.