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Calculate compound interest with 7 frequencies including continuous compounding. Compare scenarios, view year-by-year breakdown, and analyze returns with deposits, tax & inflation adjustments.
Calculate with yearly, semi-annual, quarterly, monthly, weekly, daily, and continuous compounding
View year-by-year interest accumulation and growth with complete analysis
Create and compare unlimited scenarios side-by-side for better decisions
Adjust for taxes and inflation to see real after-tax returns
Input your initial investment or principal amount (e.g., $10,000).
Enter the expected annual interest rate as a percentage (e.g., 8%).
Select the investment duration in years (1-50 years).
Choose from 7 frequencies: yearly, semi-annual, quarterly, monthly, weekly, daily, or continuous.
Include monthly, quarterly, or yearly deposits to see accelerated growth.
Interest calculated on principal plus accumulated interest. Growth is exponential and accelerates over time, creating wealth through the power of compounding.
Interest calculated only on the principal amount throughout the investment period. Growth is linear and predictable but slower than compound interest.
Compound Interest Advantage: $3,589 more over 10 years!
Interest compounds once per year. Simplest form with lowest returns.
$10,000 → $14,693 (5 years @ 8%)
Interest compounds twice per year. Better than yearly compounding.
$10,000 → $14,774 (5 years @ 8%)
Interest compounds four times per year. Common for savings accounts.
$10,000 → $14,859 (5 years @ 8%)
Interest compounds twelve times per year. Very common frequency.
$10,000 → $14,898 (5 years @ 8%)
Interest compounds fifty-two times per year. Higher frequency benefits.
$10,000 → $14,915 (5 years @ 8%)
Interest compounds every day. Maximum benefit for standard frequencies.
$10,000 → $14,918 (5 years @ 8%)
Mathematical limit of compounding. Theoretical maximum return.
$10,000 → $14,918.25 (5 years @ 8%)
Calculate the impact of regular monthly, quarterly, or yearly deposits on your returns
Increase your deposits annually to match salary growth and inflation
See your after-tax returns by entering your tax rate on interest income
Understand real returns by adjusting for inflation and purchasing power loss
Compare all 7 compounding frequencies side-by-side to see the impact
View detailed annual breakdown of interest accumulation and growth
Create and compare multiple scenarios with different parameters
Plan systematic withdrawals during retirement or distribution phase
See the true annual return (EAR) after accounting for compounding
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The power of compound interest grows exponentially over time. Starting even a few years earlier can result in significantly higher returns. Time is your greatest asset.
Opt for accounts with more frequent compounding (daily or monthly) to maximize your returns, especially for long-term investments. Every bit counts.
Adding regular deposits, even small amounts, can dramatically increase your final returns through consistent compounding. Consistency is key.
Our compound interest calculator uses industry-standard financial formulas and is designed to provide accurate estimates. For more information about compound interest and investment strategies, consult these authoritative sources:
Official guidance on compound interest and long-term investing
Understanding interest rates and compounding from the central bank
Comprehensive guides on compound interest calculations and strategies
Consumer resources for understanding savings and compound interest
Free educational videos on compound interest and financial mathematics
Clean, modern design with intuitive controls and real-time calculations
Perfect experience on mobile, tablet, and desktop devices
Including continuous compounding - most calculators offer only 3-4
Create and compare unlimited scenarios - competitors limit to 1-2
See real returns after accounting for taxes and inflation impact
Annual deposit increases - feature missing in most calculators
All 7 frequencies compared side-by-side with differences shown
Detailed annual breakdown showing complete growth trajectory
Instant calculations with no page reloads or delays
Automatic EAR calculation for all frequencies
Plan systematic withdrawals - rare feature in calculators
Color-coded progress bars and visual composition breakdown
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The Rule of 72 is a simple formula to estimate how long it takes to double your money with compound interest.
Start planning your financial future with our advanced compound interest calculator
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