Compound Interest

See how an investment grows with compounding over time.

Enter values

Principal

Rate

% p.a.

Time

years

Compounds / year

—

Balance growth over time

The formula

A = P × (1 + r/n)^(n·t)

Compound interest pays interest on interest: each period the balance grows, and the next period’s interest is computed on that bigger balance. Time matters more than rate — the curve below starts shallow and steepens, which is why starting early beats saving harder later.

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Example calculations

Common questions this calculator answers — select one to load its values.

What does $10,000 grow to at 8% for 10 years, compounded monthly? Maturity value $22,196.4 How much is $5,000 worth after 5 years at 6% compounded quarterly? Maturity value $6,734.28 What does $1,000 become after 30 years at 10% a year? Maturity value $17,449.4

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Frequently asked questions

What does compounding frequency change?+

More frequent compounding (e.g. monthly vs yearly) earns slightly more interest because interest is added to the balance sooner.

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