Compound Interest Calculator
Professional compound interest calculator with lump sum, regular deposits, goal planning, and growth visualization.
Calculate future value of a one-time investment
Future Value
16,288.95
Total Deposits
10,000.00
Total Interest
6,288.95
Total Return
62.89%
Effective Annual Rate
5.00%
📊Growth Chart
⚖️Frequency Comparison
| Compound Frequency | Future Value | Total Interest | Effective Annual Rate |
|---|---|---|---|
| AnnuallyCurrent | 16,288.95 | 6,288.95 | 5.00% |
| Semi-annually | 16,386.16 | 6,386.16 | 5.06% |
| Quarterly | 16,436.19 | 6,436.19 | 5.09% |
| Monthly | 16,470.09 | 6,470.09 | 5.12% |
| Daily | 16,486.65 | 6,486.65 | 5.13% |
📐Compound Interest Formula
Lump Sum
A = P × (1 + r/n)^(n×t)P: Principal, r: Annual rate, n: Compounds per year, t: Years
Regular Deposit
A = P×(1+r/n)^(nt) + PMT×[((1+rm)^(12t)-1)/rm]×(1+rm)PMT: Monthly deposit (start of month), rm: Equivalent monthly rate = (1+r/n)^(n/12)-1
About This Tool
The Compound Interest Calculator is a professional tool designed for investors and financial planners. It supports three modes: Lump Sum (calculate future value of initial principal), Regular Deposit (calculate long-term returns from monthly contributions), and Goal Planning (reverse-calculate the monthly deposit needed to reach a target amount). Features include interactive bar charts for asset growth, donut charts for interest-to-principal ratio, year-by-year amortization schedules, and compound frequency comparison across annual, semi-annual, quarterly, monthly, and daily intervals. All calculations are performed locally for privacy.
Features
- 💰 Three Modes: Lump Sum, Regular Deposit, and Goal Planning for all scenarios
- 📊 Visual Charts: Interactive bar chart for growth trends, donut chart for interest ratio
- 📋 Year-by-Year Schedule: Detailed annual breakdown of deposits, interest, and balance
- ⚖️ Frequency Comparison: Compare returns across annual, semi-annual, quarterly, monthly, and daily compounding
- 🎛️ Flexible Parameters: Customize rate, period, compound frequency, and deposit amount
- ⚡ Quick Rate Selection: One-click common rates and slider for investment period
- 📐 Formula Reference: Built-in compound interest formula explanations
- 📱 Responsive Design: Works perfectly on mobile and desktop
- 🔒 Privacy Safe: All calculations are local, no data uploaded