Compound Interest Calculator

Calculate compound interest with charts and goals

🔒 Files never leave your browser

Mode:

Principal ($)

Annual Interest Rate (%)

Time (years)

Compound Frequency

Monthly Contribution ($)

Adjust for Inflation

How to Use Compound Interest Calculator

Enter investment details

Input your initial principal, annual interest rate, time period, and compound frequency.

Add contributions

Optionally add monthly contributions to see how regular deposits accelerate growth.

Analyze results

View the growth chart, year-by-year breakdown table, and export to CSV.

Why Choose AllTools Compound Interest Calculator?

✓ 100% free, no account needed
✓ No data stored or transmitted
✓ Multiple compound frequencies (daily to annually)
✓ Monthly contribution support
✓ Interactive growth chart (Canvas)
✓ Year-by-year breakdown table
✓ Goal calculator (target → required investment)
✓ Inflation adjustment toggle
✓ CSV export of breakdown
✓ Summary cards for quick insights

Why Use This Tool

★ Instant calculations with no server round-trip
★ Completely free with no usage limits
★ No account or registration required
★ Accurate results using standard mathematical formulas
★ Works on any device including phones and tablets

Related Resources

Calculate loan payments → Calculate percentages → Plan savings goals →

Frequently Asked Questions

What is compound interest? ▼

Compound interest is interest calculated on the initial principal and also on the accumulated interest from previous periods. It makes your money grow exponentially over time.

How does compound frequency affect returns? ▼

More frequent compounding (daily vs annually) gives slightly higher returns because interest starts earning interest sooner.

Can I include monthly contributions? ▼

Yes. Enter a monthly deposit amount to see how regular contributions combined with compound interest accelerate your growth.

What is the goal calculator? ▼

Enter your target amount and time frame, and the tool calculates how much you need to invest initially or contribute monthly to reach that goal.

Does it account for inflation? ▼

Yes. Toggle inflation adjustment and enter an inflation rate to see both nominal and real (purchasing power adjusted) future values.

Can I export the breakdown? ▼

Yes. Click "Export CSV" to download the year-by-year table as a spreadsheet-compatible CSV file.

Is this calculator accurate? ▼

Yes. It uses standard compound interest formulas: FV = P(1+r/n)^(nt) for principal, with the annuity formula for contributions.

Does this work on mobile? ▼

Yes, including the growth chart which is responsive.

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