US Compound Interest Calculator
US Compound Interest Calculator. Free, instant, no signup. Results update as you type.
You are viewing the archived 2025 rules. Switch to the current tax year.
Future value
$170,619.05
- Total contributed $70,000.00
- Interest earned $100,619.05
- Effective annual return 7.23%
View year-by-year schedule
| Year | Contributed | Balance |
|---|---|---|
| 1.00 | 13,000.00 | 13,821.05 |
| 2.00 | 16,000.00 | 17,918.32 |
| 3.00 | 19,000.00 | 22,311.78 |
| 4.00 | 22,000.00 | 27,022.85 |
| 5.00 | 25,000.00 | 32,074.48 |
| 6.00 | 28,000.00 | 37,491.29 |
| 7.00 | 31,000.00 | 43,299.69 |
| 8.00 | 34,000.00 | 49,527.97 |
| 9.00 | 37,000.00 | 56,206.50 |
| 10.00 | 40,000.00 | 63,367.82 |
| 11.00 | 43,000.00 | 71,046.83 |
| 12.00 | 46,000.00 | 79,280.95 |
| 13.00 | 49,000.00 | 88,110.33 |
| 14.00 | 52,000.00 | 97,577.98 |
| 15.00 | 55,000.00 | 107,730.04 |
| 16.00 | 58,000.00 | 118,616.00 |
| 17.00 | 61,000.00 | 130,288.91 |
| 18.00 | 64,000.00 | 142,805.65 |
| 19.00 | 67,000.00 | 156,227.23 |
| 20.00 | 70,000.00 | 170,619.05 |
Contributions are made at the end of each compounding period. Figures are before tax, fees and inflation.
How to use this calculator
- Enter initial investment — The calculator loads with a worked example already filled in, so you can see what a realistic set of figures looks like before replacing them with your own.
- Fill in the remaining fields — Every field has a sensible default. Change the ones that apply to you and leave the rest.
- Read the result — The answer updates as you type — there is nothing to submit. The rows beneath the headline show how it breaks down.
- Expand the schedule — Where a year-by-year table is offered, open it. The breakdown over time usually shows something the single headline figure does not.
- Share or print — Use the share button to copy a link with your figures already filled in, or print the result — the print stylesheet strips the navigation and adverts.
What this calculator works out
To use the US Compound Interest Calculator, enter your initial investment, regular contribution and annual interest rate. The result — future value — updates as you type, with no button to press and nothing to submit. The calculation runs entirely in your browser, so the figures you enter are never sent anywhere.
How this is calculated
Compound growth follows A = P(1 + r/n)nt, with regular contributions added as an annuity: PMT × ((1 + r/n)nt − 1) ÷ (r/n). Compounding frequency matters more than people expect — the same nominal rate compounded monthly rather than annually produces a measurably higher effective return.
A worked example
Take the values this page loads with:
- Initial investment: $10,000.00
- Regular contribution: $250.00
- Annual interest rate: 7%
- Years: 20
- Compounding frequency: Monthly
On those figures the future value is 170,619.05. Broken down:
- Total contributed: 70,000.00
- Interest earned: 100,619.05
- Effective annual return: 7.23%
Change any field above and every figure here recalculates — these numbers are produced by the same formula the calculator runs, so they cannot drift apart from it.
What the figures mean
The headline figure answers the immediate question. These are the ones worth paying attention to:
- Interest earned — the figure worth watching when you change your inputs.
Where a schedule is shown, expand it: the year-by-year breakdown usually reveals something the single headline number hides.
What this calculator assumes
Contributions are made at the end of each compounding period. Figures are before tax, fees and inflation.
Why it runs in your browser
Every calculation on this page is arithmetic, and arithmetic does not need a server. Running it locally means the result is instant, it keeps working if your connection drops, and — the part that matters — your salary, your debts and your medical measurements are never transmitted to us. There is no figure on our side to store, log or lose.
Where this calculator stops
A calculator applies the rules it is given to the figures you enter. It cannot see the rest of your circumstances, and real financial decisions are rarely decided by a single number.
Treat the result as a starting point for a conversation — with a lender, an accountant or an adviser — rather than as an answer. Where an institution will quote you a real figure, that figure is the one that counts: it will include fees, your credit profile and terms this page knows nothing about.
Keeping the figures current
The formula behind this page does not change, but the assumptions you should bring to it do — interest rates, inflation and market returns all move. Revisit the inputs rather than trusting a figure you calculated a year ago.