Loading...
Calculate the interest rate or rate of return on investments, loans, and savings. Find the rate needed to reach your financial goals with our free calculator.
How often interest is compounded
Find the rate when you know the amounts and time
Calculate simple, compound, and effective rates
Determine actual returns on your investments
Compare true interest rates on different loans
Input the starting principal or investment amount (e.g., $10,000).
Input the ending value or total amount received (e.g., $15,000).
Enter the duration in years (e.g., 5 years).
Select how often interest compounds: yearly, quarterly, monthly, or daily.
The rate calculated without considering compounding. Best for short-term loans or investments with no reinvestment.
The rate that accounts for compounding effects. More accurate for long-term investments and savings.
Calculate Compound Annual Growth Rate for investments
Compare Annual Percentage Rate and Annual Percentage Yield
Calculate effective annual rate with different compounding
See how compounding frequency affects the rate
Determine actual returns on your portfolio
Find true interest rates on loans and mortgages
Calculate interest earnings
Detailed compound interest calculations
Calculate return on investment
Plan your investment strategy
Calculate annual percentage rate
Calculate savings growth
Always use the same compounding frequency when comparing different investment or loan options to ensure accurate comparisons.
The effective annual rate (EAR) gives you the true annual return, accounting for compounding. It's more accurate than nominal rates.
Remember that calculated rates don't include fees, taxes, or inflation. Factor these in for a complete picture of your returns.
This interest rate calculator uses industry-standard formulas and is designed to provide accurate estimates. For more information about interest rates and investment analysis, consult these authoritative sources:
Official guidance on investment returns and interest calculations
Information about interest rates and monetary policy
Comprehensive guides on interest rate calculations and CAGR
Consumer resources for understanding APR and APY
Clean, modern design with intuitive controls and instant results
Perfect experience on mobile, tablet, and desktop devices
Calculate simple, compound, effective, and CAGR all in one tool
See how different compounding frequencies affect the rate
Optimized for both investment returns and loan rate analysis
Find the rate needed to reach your specific financial goals
Support for yearly, quarterly, monthly, and daily compounding
Built-in Compound Annual Growth Rate calculation
Instant calculations with no delays or page reloads
Calculate actual returns on stocks, bonds, and funds
Determine the rate earned on savings
Compare true interest rates on loans
Calculate property appreciation rates
Analyze business revenue growth rates
Calculate required savings rates
Find rates needed for retirement
Measure portfolio performance
The nominal rate is the stated annual rate, while the effective rate accounts for compounding. A 12% nominal rate compounded monthly equals 12.68% effective rate.
CAGR smooths out volatility to show the steady annual growth rate. It's perfect for comparing investments over different time periods.
APR (Annual Percentage Rate) doesn't include compounding, while APY (Annual Percentage Yield) does. APY is always higher or equal to APR.
More frequent compounding means a lower nominal rate for the same effective return. Daily compounding requires the lowest nominal rate.
Get started with our free interest rate calculator and discover your actual rate of return.
Calculate Now →