Contributed capital
The sum of initial principal and all contributions made during the term.
Finance
Compound interest calculator
Project investment growth with periodic contributions, optional inflation and a year-by-year table.
Main simulation
How much will my money grow?
Enter the principal, rate, and term. Contributions and inflation are optional.
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Publicidad
Year-by-year growth
The table separates accumulated contributions and interest to show when returns begin to matter more.
The table will appear after you complete the calculation.
| Year | Contributions this year | Total contributed | Accumulated interest | Total accumulated | Hito |
|---|
Compounding comparison
Compare the same rate and term with different frequencies. This table excludes periodic contributions to isolate compounding.
The comparison will appear after you enter principal, rate and term.
| Frequency | Times/year | Final amount | Interest | Difference vs annual | Nota |
|---|
How to read the result
The summary separates your contributions from investment returns so savings are not confused with profitability.
Interest earned
The part of the final amount generated by compound returns.
Real value
Shows the future amount's approximate purchasing power in today's money.
Compound vs. simple interest
With simple interest, only the original principal earns a return. With compound interest, earnings are reinvested and generate additional interest.
That is why the term matters so much: growth may seem slow at first, but over the years a larger share of the result comes from accumulated interest.
Disclaimer
This calculator is an educational tool. Results are estimates and assume a constant rate. They do not include taxes, fees, rate changes, variable inflation, or market fluctuations. Consult a certified financial adviser before making investment decisions.
Frequently asked questions
What is compound interest?
It is growth that occurs when generated interest is reinvested and begins earning interest itself. Growth can therefore accelerate over time.
How is compound interest calculated?
The basic formula is initial principal times one plus the periodic rate raised to the number of periods. With contributions, each contribution grows from the time it is made.
What is the difference between simple and compound interest?
With simple interest, only the original principal earns a return. With compound interest, interest is reinvested and also earns interest.
What is the Rule of 72?
It is a quick estimate of how many years an investment takes to double. Divide 72 by the annual rate. At 8%, doubling takes about 9 years.
Which compounding frequency is best?
At the same rate and term, more frequent compounding usually produces a slightly higher final amount. The difference becomes more visible over long terms.
How do periodic contributions affect growth?
Contributions increase working capital. The earlier they are made, the longer they can earn returns.
How does inflation affect my savings?
Inflation reduces future purchasing power. The calculator can therefore show an approximate real value in today's money.
Does the calculator include taxes or fees?
No. Results are educational estimates and exclude taxes, fees, rate changes and market fluctuations.