Compound interest calculator
See what your savings could grow to with a starting amount, regular deposits, an interest rate and a time frame, plus the value in today's dollars.
Verified October 21, 2026Parameters in effect since January 1, 2026Bileşik faiz formülü FV = P(1 + r/n)^(nt) + düzenli katkılar (U.S. SEC Investor.gov hesaplayıcısı referans); parametre yok
Future balance
$94,111.23
- Initial deposit
- $10,000.00
- Regular deposits
- +$60,000.00
- Interest earned
- +$24,111.23
- Future balance
- $94,111.23
- Balance at end of year 1
- $16,651.05
- Balance at end of year 2
- $23,642.37
- Balance at end of year 3
- $30,991.39
- Balance at end of year 4
- $38,716.40
- Balance at end of year 5
- $46,836.63
- Balance at end of year 6
- $55,372.31
- Balance at end of year 7
- $64,344.69
- Balance at end of year 8
- $73,776.11
- Balance at end of year 9
- $83,690.06
- * The rate is assumed constant for the whole period; taxes and fees aren't deducted.
- * This estimate is for information only and isn't financial or investment advice.
General information, not financial or investment advice.
FAQ
What is compound interest?
Interest is added to your balance and then earns interest itself. $10,000 at 5% compounded annually grows to $16,288.95 in 10 years.
Does monthly compounding make a difference?
At the same annual rate, more frequent compounding gives a higher result: $10,000 at 5% for 10 years is $16,288.95 compounded annually and $16,470.09 compounded monthly.
How are regular deposits handled?
Each deposit earns interest from the day it's made until the end. If the deposit and compounding frequencies differ, we use the effective rate for the deposit period.
Are taxes included?
No. The result is before taxes and fees, and the rate is assumed constant for the whole period.
What does "in today's dollars" mean?
It converts the future balance to today's buying power using the inflation rate you enter: balance ÷ (1 + inflation)^years.