FREE TOOL · ON YOUR DEVICE
Compound interest calculator for free
See how savings grow when interest also earns interest. For example, 1,000 at 5% a year compounded monthly is 1,647.01 after 10 years. Add monthly or yearly contributions, choose the compounding and, if you like, take inflation into account: you see the table and the chart year by year.
- Free with an account
- Regular contributions
- Table and chart
- Type your savings
- Set the rate and the term
- Read the result
HOW TO USE IT
Three steps.
Type your savings
Starting amount and, if you like, a contribution every month or every year.
Set the rate and the term
Annual rate, compounding (annually, semi-annually, quarterly, monthly or daily) and years, from 1 to 100. Inflation is optional.
Read the result
Final value, total contributed and interest earned, with a table and a chart by year.
NEXT STEP
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Compound interest: common questions
What is the compound interest formula?
Without contributions, the final amount is C × (1 + r ÷ m)^(m × t), with r the annual rate, m the compounding periods per year and t the years. With contributions, the tool adds each one at the end of its period and lets it grow from then on.
What is the difference between simple and compound interest?
With simple interest, interest is always worked out on the starting amount. With compound interest it is added to the balance and earns more interest, so growth speeds up over the years.
Can I rely on the result?
It is an estimate at a fixed rate. Real investments change in return and pay taxes and fees, and past returns do not predict future ones. It is not financial advice.
Is my data sent to a server?
No. The numbers, dates and names you type are calculated in your browser and are not sent to Cocuyo or to any third party.
Is it really free?
Yes. You can try it before signing up; to keep using it, we ask for a free account, with no subscription. It uses no credits and does not count toward your 30 welcome uses: it has no usage cap.
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