Compound Interest Calculator
Calculate the future value of a lump-sum investment under compound interest. Choose compounding frequency (yearly, semi-annual, quarterly, monthly, daily) and see the year-by-year growth schedule plus the bonus over simple interest.
| Year | Balance | Total interest |
|---|---|---|
| 1 | $10,800.00 | $800.00 |
| 2 | $11,664.00 | $1,664.00 |
| 3 | $12,597.12 | $2,597.12 |
| 4 | $13,604.89 | $3,604.89 |
| 5 | $14,693.28 | $4,693.28 |
| 6 | $15,868.74 | $5,868.74 |
| 7 | $17,138.24 | $7,138.24 |
| 8 | $18,509.30 | $8,509.30 |
| 9 | $19,990.05 | $9,990.05 |
| 10 | $21,589.25 | $11,589.25 |
What powers the Compound Interest Calculator
5 compounding frequencies: yearly, semi-annual, quarterly, monthly, daily
Year-by-year balance growth schedule
Bonus-vs-simple-interest comparison
8 currencies
no signup
Real-time recalculation as you edit
Why the Compound Interest Calculator is different
Browser-native
The Compound Interest Calculator runs entirely in your browser. Input is processed locally — never uploaded, never logged, never cached anywhere outside your device.
No artificial limits
No daily quotas, no character ceilings, no "upgrade for more" walls. Every feature is the complete feature — the same on the first use as the thousandth.
Production-grade quality
Built to the same engineering bar as paid SaaS tools — accurate algorithms, audited logic, responsive design and accessibility-tested interactions.
Common use contexts
- Comparing fixed-deposit / CD offers from different banks
- Projecting savings growth over decades
- Education — demonstrating the power of compounding to students
- Verifying a financial advisor's growth claim
Private and secure
Zero upload
All processing happens in your browser. Input is never transmitted, logged or cached.
Works offline
Once the page loads, the tool runs without an internet connection. No network calls happen during use.
No tracking
No accounts, no cookies for tool state. Only aggregate analytics count visits at the page level.