Compound Interest Calculator – Free Online Tool
Project savings and investment growth with starting balance, regular contributions, return rate, compounding frequency, yearly breakdown, and CSV export.
Compound Interest Calculator With Contributions
Estimate how a starting balance and regular contributions can grow over time with compound interest. Adjust annual return, years, contribution frequency, and compounding frequency.
See Contributions vs Growth
The calculator separates your total contributions from investment growth so you can see how much of the final balance comes from deposits and how much comes from compounding.
Yearly Growth Breakdown and CSV Export
Review a year-by-year growth table and download a CSV file for spreadsheet analysis, savings goals, investment planning, or retirement examples.
Useful for Savings, Investing, and Long-Term Planning
Use this tool for high-yield savings estimates, index fund projections, retirement planning, emergency fund goals, and comparing different contribution amounts.
Frequently Asked Questions
Everything you need to know about the Compound Interest Calculator.
Does this include regular contributions?
Yes. Enter a recurring contribution and how many times per year you contribute.
Can I change compounding frequency?
Yes. You can set how many times per year interest compounds.
Is the annual return guaranteed?
No. Investment returns vary. The annual return field is only a scenario assumption.
Can I export the growth table?
Yes. Download the year-by-year projection as a CSV file.
Can this be used for retirement planning?
It can help model long-term growth, but it does not include taxes, inflation, withdrawals, or retirement account rules.