Compound interest calculator
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Official sources
Updated in July 2026
Standard compound-interest math with monthly deposits and compound-equivalent rate conversion.
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How to use
1
Fill in the fields — nothing is sent to the internet.
2
Tap Calculate and see the breakdown instantly.
3
Adjust the values as many times as you want. Done — no sign-up, no e-mail, no waiting.
Frequently asked questions
It is "interest on interest": each period, returns are computed on the initial amount plus the interest already earned. It is what makes investments grow fast over time — and debts too.
Enter what you already have (can be zero), how much you will deposit monthly, the rate (e.g. 1% per month or 12% per year) and the term. The result separates what you invested from what interest generated.
By compound equivalence: 12% per year equals about 0.95% per month — not 1%. The calculator does this conversion automatically.