Investment growth
Finance calculator
Compound Interest Calculator
Calculate future value, total deposits, interest earned, and yield with compounding frequency, time units, and optional recurring payments.
Future value by period
Growth summary
Future value combines principal, deposits, and interest earned over time.
Principal
Deposits
Interest
Compound interest table
| Period | Payment | Interest | Balance |
|---|
Compound interest formula
| Term | Formula / meaning |
|---|---|
| Future value without payments | A = P x (1 + r / n)^(n x t) |
| P | Present value or initial principal. |
| r | Annual interest rate as a decimal. |
| n | Number of compounding periods per year. |
| t | Time in years. |
| Total yield | Total interest / total deposits x 100. |
Examples
If $5,000 earns 4% annually for 10 years, compounded annually with no extra payments, the future value is $7,401.22. With monthly compounding and monthly deposits, the table shows how each period adds interest and payments.
FAQ
Does compounding frequency matter?
Yes. More frequent compounding usually increases the future value when the nominal annual rate is the same.
When should I choose payment at the start of period?
Use start of period when contributions are made before interest is applied for that period. Use end of period when contributions are made after interest is applied.
Are results guaranteed?
No. This is an arithmetic calculator for planning and education. Actual investment returns can vary and may include fees, taxes, and market risk.