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Compound Interest Calculator
Visualise your investment growth. Enter your starting amount, monthly contributions, and expected return to see your final balance instantly.
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Understanding Compound Interest
The Power of Compounding
Compounding means earning returns on your returns — not just your original principal. The longer your time horizon, the more dramatic the effect.
The Rule of 72
Want to know how long it takes to double your money? 72 ÷ annual return rate = years to double. E.g. at 7%, 72 ÷ 7 ≈ 10.3 years.
Start Early
At 7% annual return: saving $5,000/month from age 25 to 35 then stopping actually beats saving from 35 to 65. Time is compound interest’s best friend.
Stay Consistent
Even with a modest principal, consistent monthly contributions let compounding build serious wealth. The key is never skipping a month.