Compound Interest Calculator
lockClient-side OnlyVisualize the exponential power of compounding. Calculate how your investments grow over time with zero data ever leaving your browser.
calculate Parameters
1 Year20 Years50 Years
Final Balance
$300,851
Contributions
$130,000
Interest Earned
$170,851
Growth Projection
trending_upFrequently Asked Questions
How is compound interest different from simple interest?expand_more
Simple interest is calculated only on the principal amount. Compound interest is calculated on the principal plus all the accumulated interest from previous periods, leading to exponential growth over time.
Does this calculator store my financial data?expand_more
No. ToolXero is designed to be server-less. All calculations happen within your browser's JavaScript engine. Your financial figures never touch a server.
What is the "Rule of 72"?expand_more
The Rule of 72 is a quick way to estimate how long it will take for your money to double. Divide 72 by your annual interest rate. For example, at a 7% return, your money doubles roughly every 10 years.
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info Expert Tip
Don't forget the Silent Thief: Inflation. While a large balance in 30 years sounds incredible, its actual purchasing power will be lower.
When projecting, professional investors often use a "Real Return" rate (usually 2-3% lower than nominal rates) to account for rising costs.