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. |
Method, source and review
The calculator applies periodic compounding to the opening balance and simulates every contribution at the selected start or end timing. It does not model taxes, inflation, fees or variable returns.
For education and scenario planning only, not investment advice. Actual returns are uncertain.
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.
Handy Tool Lab
How this tool is maintained
Handy Tool Lab builds and tests each tool around repeatable examples. Formula-based tools use published references when a suitable source exists; browser utilities are checked with representative inputs and output cases.