Compound Interest Calculator
See how a lump sum grows over time as interest compounds — annually, quarterly, monthly, or daily.
- Free, updates instantly as you type
- Any compounding frequency
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Principal
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Interest earned
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Assumes a fixed interest rate for the whole period and no withdrawals or additional deposits.
Frequently asked questions
How is compound interest calculated?
A = P × (1 + r/n)n×t, where P is the principal, r is the annual interest rate, n is how many times per year it compounds, and t is the number of years.
Why does compounding frequency matter?
More frequent compounding (e.g. monthly vs. annually) earns slightly more interest for the same nominal rate, since interest starts earning its own interest sooner.
Does this account for taxes on interest?
No — this shows gross interest earned before any tax. Actual take-home returns will typically be lower once tax is applied.