United States · USD. This page uses a shared calculation model and may include US-specific assumptions. Selecting a country changes formatting, not local tax, eligibility or contribution rules. Amounts are not converted between currencies.
Compound Interest Parameters
Principal vs Interest Earned
- Principal$10,000 (25%)
- Interest Earned$30,387 (75%)
Compound Growth Curve
- Total Value
- Principal
- Interest
Choose a chart point to read its values.
View chart data table
Yearly Growth Projection
| Year | Total Value | Principal | Interest |
|---|---|---|---|
| Yr 1 | $10,723 | $10,000 | $723 |
| Yr 2 | $11,498 | $10,000 | $1,498 |
| Yr 3 | $12,329 | $10,000 | $2,329 |
| Yr 4 | $13,221 | $10,000 | $3,221 |
| Yr 5 | $14,176 | $10,000 | $4,176 |
| Yr 6 | $15,201 | $10,000 | $5,201 |
| Yr 7 | $16,300 | $10,000 | $6,300 |
| Yr 8 | $17,478 | $10,000 | $7,478 |
| Yr 9 | $18,742 | $10,000 | $8,742 |
| Yr 10 | $20,097 | $10,000 | $10,097 |
| Yr 11 | $21,549 | $10,000 | $11,549 |
| Yr 12 | $23,107 | $10,000 | $13,107 |
| Yr 13 | $24,778 | $10,000 | $14,778 |
| Yr 14 | $26,569 | $10,000 | $16,569 |
| Yr 15 | $28,489 | $10,000 | $18,489 |
| Yr 16 | $30,549 | $10,000 | $20,549 |
| Yr 17 | $32,757 | $10,000 | $22,757 |
| Yr 18 | $35,125 | $10,000 | $25,125 |
| Yr 19 | $37,665 | $10,000 | $27,665 |
| Yr 20 | $40,387 | $10,000 | $30,387 |
About This Calculator
The compound interest calculator shows you exactly how money grows when your interest also earns interest. Often called the eighth wonder of the world, compound interest is the most powerful force in personal finance and investing.
Sources & Model Limits
United States · USD. This page uses a shared calculation model and may include US-specific assumptions. Selecting a country changes formatting, not local tax, eligibility or contribution rules. Amounts are not converted between currencies. Read our methods and correction policy.
How It Works
Compound interest formula: A = P(1 + r/n)^(nt), where P is the principal, r is the annual interest rate, n is the number of times interest compounds per year, and t is time in years. More frequent compounding results in higher returns.
Key Benefits
- 1See the dramatic long-term impact of compound growth
- 2Compare different compounding frequencies
- 3Understand why starting early is so powerful
- 4Visualize the difference between compound and simple interest
Practical Tips
- →Daily compounding yields slightly more than monthly or annual
- →The Rule of 72: divide 72 by your interest rate to find years to double your money
- →Start saving early — 10 years makes an enormous difference over a lifetime
- →High-yield savings accounts and CDs use compound interest to your advantage