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Compound interest calculator
How much could your savings grow with regular investing and compounding?
Final value–
You invested–
Growth–
How compounding works
Each year your investments earn a return, and that return earns a return of its own the following year. In the beginning almost all of your wealth is the money you put in. After enough years, growth overtakes contributions — the point where compounding starts to do the heavy lifting.
What the inputs mean
- Starting amount — what you invest today.
- Monthly contribution — what you add every month.
- Expected return — the average yearly return after costs. Broad stock indices have historically returned roughly 6–10% a year over long periods, with large swings in between; a mixed portfolio less.
This calculator assumes a constant return. Real markets go up and down — see why drawdowns matter.
Savings rate & investing calculator
Your savings rate, what investing it could become, and your financial-independence number.
Drawdown recovery calculatorHow much gain — and how many years — it takes to recover from a loss.
Start investing — learning pathEight short lessons from the first euro to a running portfolio.
Illustration only — not investment advice and not a forecast. Real returns vary from year to year and can be negative. Disclaimer.