Is this a guaranteed return?
No. It is a mathematical projection from the rate you enter, not a guarantee or investment recommendation.
Compound Interest Calculator
Estimate how an initial deposit and regular contributions may grow over time.
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Adjust the values below to get a clear estimate.
How compound growth is estimated
The calculation applies a constant nominal annual rate at the selected compounding frequency. Regular contributions are assumed to arrive at the end of each compounding period.
FV = P(1 + r/n)^(nt) + C × [((1 + r/n)^(nt) − 1) / (r/n)]Worked example
A steady monthly saving plan
Inputs: initialDeposit: $5,000 · monthlyContribution: $200 · annualRate: 5% · years: 10 · compounding: Monthly
Illustrative result: About $39,292
Illustration using a constant 5% nominal annual rate compounded monthly, with contributions at each month end. Your result depends on the assumptions entered.
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Frequently asked questions
When are regular contributions added?
At the end of each compounding period. The timing convention is shown in the methodology.