Investment growth
Finance calculator
Compound Interest Calculator
Calculate future value, total deposits, interest earned and yield with time units, compounding frequency and recurring payments.
A = P(1 + r/n)nt
Future value by period
Growth summary
Future value combines principal, deposits and interest over time.
PrincipalDepositsInterest
Compound interest table
| P{count} | Payment | Interest | Balance |
|---|
The table shows up to the first 60 compounding periods.
Compound interest formula
| Term | Formula / meaning |
|---|---|
| Future value without payments | A = P × (1 + r / n)n × t |
| P | Loan principal or amount borrowed. |
| r | Periodic interest rate: APR divided by periods per year. |
| n | Number of compounding periods per year. |
| t | Time in years. |
| Total yield | Total interest divided by total deposits × 100. |
Compound interest FAQ
What is compound interest?
Interest earned on principal and previously accumulated interest.
Does compounding frequency matter?
Yes. More frequent compounding usually increases future value at the same nominal rate.
When should payment timing be start?
Choose start when contributions are made before interest for each period.
Are results guaranteed?
No. This is an arithmetic estimate and excludes fees, taxes and market risk.