Compound Interest Calculator
See exactly how your money grows — with bar charts, simple vs compound comparison, and inflation-adjusted returns.
Settings
Rule of 72
At 7% annual return, your money doubles every 10.3 years.
Formula: 72 ÷ interest rate
Final Balance
$144.6K
Total Contributed
$58.0K
Interest Earned
$86.6K
Balance Breakdown
Contributed (40%)Interest (60%)
Growth Over Time
PrincipalInterest
Compound vs Simple Interest
Compound Interest
$144.6K
after 20 years
Simple Interest (no contributions)
$24.0K
after 20 years
Compound interest earns you $120.6K more over 20 years.
Year-by-Year Breakdown
| Year | Balance | Contributed | Interest |
|---|---|---|---|
| Year 1 | $13,201.42 | $12,400.00 | $801.42 |
| Year 2 | $16,634.27 | $14,800.00 | $1,834.27 |
| Year 3 | $20,315.28 | $17,200.00 | $3,115.28 |
| Year 4 | $24,262.39 | $19,600.00 | $4,662.39 |
| Year 5 | $28,494.83 | $22,000.00 | $6,494.83 |
| Year 6 | $33,033.24 | $24,400.00 | $8,633.24 |
| Year 7 | $37,899.74 | $26,800.00 | $11,099.74 |
| Year 8 | $43,118.03 | $29,200.00 | $13,918.03 |
| Year 9 | $48,713.55 | $31,600.00 | $17,113.55 |
| Year 10 | $54,713.58 | $34,000.00 | $20,713.58 |
All calculations run in your browser — nothing is sent to a server. Results are estimates based on a fixed rate; actual returns vary.