Compound Interest Calculator
Calculate future investment value
Quick Presets:
๐ $10,000 Investment Growth Benchmark Table
See how an initial $10,000 investment grows across different time horizons and annual return rates (without extra monthly deposits):
| Time Horizon | 5% Annual Return | 8% Annual Return | 10% S&P 500 Avg |
|---|---|---|---|
| 10 Years | $16,470 | $22,196 | $27,070 |
| 20 Years | $27,126 | $49,268 | $73,281 |
| 30 Years | $44,677 | $109,357 | $198,374 |
Frequently Asked Questions
What is compound interest?
Compound interest is interest calculated on your initial principal and on all interest accumulated from previous periods.
What is the compound interest formula?
The standard formula is A = P(1 + r/n)^(nt), where A is total future value, P is initial principal, r is rate, n is compounding frequency, and t is years.
How does compounding frequency affect investment returns?
Compounding more frequently (e.g. monthly vs annually) generates interest on interest sooner, compounding your wealth faster.
What is Compound Interest?
Compound interest is interest calculated on the initial principal as well as the accumulated interest from previous periods. Albert Einstein famously called compound interest the "eighth wonder of the world" because of its ability to exponentially build wealth over long periods.
Compound Interest Formula
A = P(1 + r/n)โฟแต
Where A is the final amount, P is the principal investment, r is the annual interest rate, n is the compounding frequency per year, and t is the number of years.