Compound Interest Calculator
Calculate final balance, contributions and interest from a starting amount, annual rate, term and optional recurring deposits, fully local in your browser.
Calculate investment growth and optional recurring deposits entirely in your browser.
Stays on your device
Projected final balance
$16,288.95
- Contributed
- $10,000.00
- Interest
- $6,288.95
Show growth
| Year | Balance | Contributed | Interest |
|---|---|---|---|
| 0 | $10,000.00 | $10,000.00 | $0.00 |
| 1 | $10,500.00 | $10,000.00 | $500.00 |
| 2 | $11,025.00 | $10,000.00 | $1,025.00 |
| 3 | $11,576.25 | $10,000.00 | $1,576.25 |
| 4 | $12,155.06 | $10,000.00 | $2,155.06 |
| 5 | $12,762.82 | $10,000.00 | $2,762.82 |
| 6 | $13,400.96 | $10,000.00 | $3,400.96 |
| 7 | $14,071.00 | $10,000.00 | $4,071.00 |
| 8 | $14,774.55 | $10,000.00 | $4,774.55 |
| 9 | $15,513.28 | $10,000.00 | $5,513.28 |
| 10 | $16,288.95 | $10,000.00 | $6,288.95 |
This calculation is an estimate. Actual results may differ because of fees, taxes, changing rates, rounding rules and product terms.
Good to know
Good to know
The Compound Interest Calculator supports model calculations for compound interest, contributions, term, return, and long-term wealth growth. Enter starting amount, recurring contribution, annual rate, term, rate type, and inflation and review ending balance, contributions, interest earned, growth path, and today's purchasing power, so assumptions, magnitudes, and alternatives are easier to compare.
Typical searches include compound interest calculator, savings plan calculator, future value calculator. Calculation runs locally in the browser and shows results, intermediate steps, and key figures without upload. Constant returns are a model assumption; real investment values fluctuate.
Typical use cases
Compare scenarios
Change amount, term, interest rate, payment, or target value and immediately see how the key figures change.
Document assumptions
The core logic is: future value grows each period through interest and additional contributions. Visible inputs, results, and intermediate steps help explain the model calculation in notes, spreadsheets, or conversations.
Prepare decisions
Use the values as orientation for questions to lenders, tax advisors, employers, providers, or internal planning. The tool does not replace individual advice.
Tips for better results
Separate nominal and real values
Inflation, fees, taxes, and purchasing power can materially change the result. Check whether you are comparing nominal amounts or values in today's purchasing power.
Check contract details separately
Lender offers, credit cards, insurance, taxes, and investment products often use their own rounding, fee, and calendar rules. Binding decisions require the original documents.
Test sensitivity
Run conservative, middle, and optimistic variants. Small changes in rate, term, inflation, or payment can create large differences in financial calculations.
How it works
How it works
Step by step
Features
Features
Local in the browser
Inputs and results are not uploaded for calculation.
Flexible assumptions
Adjust starting amount, recurring contribution, annual rate, term, rate type, and inflation and compare variants immediately.
Traceable calculation path
Formulas, intermediate steps, and key figures make the model calculation easier to review.
No financial advice
The result is a model calculation, not a recommendation for credit, investing, tax, or contracts.
Frequently asked questions
Frequently asked questions
Is the Compound Interest Calculator financial advice?
No. The tool creates a calculation model based on your inputs. It does not account for your individual situation, a full contract, or personal tax position.
Why can a provider calculate different numbers?
Providers may include fees, day-count rules, rounding, special terms, taxes, bonuses, or contract details that are not part of a general browser calculation.
Are my financial values stored?
No. Calculation runs in the browser. Entered values are not transferred to Xoricon for the calculation.
Why do rounding and currency matter?
Small rounding differences can add up over many months or periods. The currency selection controls only symbol and number format; all compared amounts should already be in the same currency.
More tools
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Investment Calculator
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Inflation Calculator
Calculate how constant inflation or deflation changes prices and purchasing power over time.