Free compound interest calculator

Compound Interest Calculator
Future value & growth

Estimate how principal and optional monthly deposits may grow under a rate and compounding schedule you control.

John Rey Balais, developer of Nestfigure Written & maintained by John Rey Balais Developer · Nestfigure
Live Updates as you type
Rate is a nominal annual input you type—not a live bank quote.
Modeled as end-of-month deposits with monthly interest on the growing balance.
Future value
$0.00
Total deposits
$0.00
Interest earned
$0.00
Starting principal
$0.00
Effective annual yield
0%
CD calculator Savings goal

Educational estimate only. Not investment advice or a guarantee of returns. Real products may use different day counts, fees, or compounding rules.

Growth over time

Year-end balances

Compare annual rates

Same principal, years, and deposits
Rate Future value Interest

Year-by-year schedule

Educational path
Year Start Deposits Interest End

Key takeaways

  • Sample only: $10,000.00 at 5% for 10 years (monthly) → about $16,470.09 , interest ~$6,470.09.
  • Compounding more often usually raises effective yield for the same nominal rate under the model.
  • Not a forecast: Markets and products can lose value; this is steady-rate math for learning.
  • How the compound interest calculator works

How it works

Principal grows with standard compound interest identities. Optional monthly deposits use an ordinary annuity style model. Details: how we calculate.

Worked examples

Guides

How does this compound interest calculator work?

For principal only it uses standard compound formulas (including continuous). Optional monthly deposits use an ordinary annuity model. Sample: $10,000.00 at 5% for 10 years monthly → about $16,470.09. Educational only.

Is the rate a live bank or market return?

No. You type a sample annual rate. Nestfigure does not quote products or forecast markets.

Can I prefill from a link?

Yes. Parameters: principal, rate, years, compounding (annually|semiannually|quarterly|monthly|daily|continuous), monthly.

Is this calculator free?

Yes—free, no signup. Educational math only; not investment advice.

How we calculate · Common questions · Sample prefill · CD calculator · Savings goal

Disclaimer: Educational estimates only—not investment advice, securities offers, or guaranteed returns.

YMYL notice: This site is for education only. It is not financial, tax, or investment advice. Nestfigure is not a bank, credit union, broker, investment adviser, or fiduciary. Product terms, rates, and penalties vary—always read your institution’s disclosures before acting. Calculator results are mathematical estimates, not bank quotes.