Free Online Tool

Compound Interest Calculator

Estimate compound interest for savings or investments using an annual return assumption.

The result will appear here.

How to Use

  1. Enter principal and annual rate.
  2. Enter period and optional monthly contribution.
  3. Check final amount and interest.

Examples

  • 10,000,000 at 5% for 10 years
  • Add 300,000 monthly and calculate long-term growth

Calculation and Conversion Notes

This calculator uses monthly compounding. The monthly rate is converted from `annual rate / 12`. Each month, the monthly rate is applied to the balance, then the monthly contribution is added to get the next month's balance. The simple compound formula is `final amount = principal × (1 + rate)^period`, and interest is calculated as `final amount - principal`.

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