Free online tool
Compound Interest Calculator.
Project investment growth with regular contributions.
Final balance
$125,510
Total contributed
$58,000
Interest earned
$67,510
| Year | Balance | Contributed | Interest |
|---|---|---|---|
| 1 | $13,084 | $12,400 | $684 |
| 2 | $16,358 | $14,800 | $1,558 |
| 3 | $19,834 | $17,200 | $2,634 |
| 4 | $23,524 | $19,600 | $3,924 |
| 5 | $27,443 | $22,000 | $5,443 |
| 6 | $31,602 | $24,400 | $7,202 |
| 7 | $36,018 | $26,800 | $9,218 |
| 8 | $40,707 | $29,200 | $11,507 |
| 9 | $45,685 | $31,600 | $14,085 |
| 10 | $50,970 | $34,000 | $16,970 |
| 11 | $56,581 | $36,400 | $20,181 |
| 12 | $62,538 | $38,800 | $23,738 |
| 13 | $68,862 | $41,200 | $27,662 |
| 14 | $75,576 | $43,600 | $31,976 |
| 15 | $82,705 | $46,000 | $36,705 |
| 16 | $90,273 | $48,400 | $41,873 |
| 17 | $98,308 | $50,800 | $47,508 |
| 18 | $106,838 | $53,200 | $53,638 |
| 19 | $115,895 | $55,600 | $60,295 |
| 20 | $125,510 | $58,000 | $67,510 |
Estimate only. Assumes a constant return and contributions made at the end of each period. Not financial advice.
Three simple steps
How to use Compound Interest Calculator
1
Enter your starting amount
Plus any regular contribution.
2
Set the return and term
Annual rate, number of years, compounding frequency.
3
Read the breakdown
See final balance split into contributions vs interest.
Helpful answers
Frequently asked questions
Why does compounding frequency matter?
More frequent compounding means interest starts earning interest sooner. Monthly compounding on the same rate produces a slightly higher balance than annual.
Is this calculator adjusted for inflation?
No — it shows nominal dollars. To see real purchasing power, reduce your assumed return by the expected inflation rate (roughly 2–3% in Australia).