📈 Compound Calculator
Enter principal, monthly contribution, annual return and years to project the future value with monthly compounding. Great for planning savings and investing: no upload.
❓ Frequently asked questions
How is compounding done?
Monthly: each month principal grows by (1+monthly rate) then the contribution is added, snowballing over time.
Is the result accurate?
It is an idealised model, ignoring fees, volatility and inflation - for planning only.
Can I model a one-time deposit?
Yes - set the monthly contribution to 0 for pure compounding.
📚 How to use
Compounding is the core of long-term wealth.
Steps
- Enter initial principal and monthly contribution.
- Enter annual return and years.
- Click "Calculate" to see the future value and gains.
About this tool
Money's weird. Leave it alone and it quietly grows — that's compound interest doing the slow, boring magic.
Punch in a starting amount, a yearly rate, and how many years, and this calculator shows what you'd end up with. Add monthly top-ups if you save regularly.
Good for deciding between "buy now" and "let it sit," or seeing what 30 years of small deposits actually becomes.
Everything's local; your numbers stay on your device.
Straight talk: this is a calculator, not financial advice. Big decisions deserve a real advisor. (We keep no data; anonymous analytics only — privacy policy.)
Tip: the gap between 5% and 7% looks tiny until year 20. Small rates, long time. Enjoy the tool.