Market IQ

Compound Interest Calculator

See the power of compound interest in action. Enter your numbers and watch how time and consistent contributions turn small investments into life-changing wealth.

Your Numbers

Initial Investment ($)The lump sum you're starting with. This is your beginning principal that will compound over time.

Monthly Contribution ($)The amount you add each month. Consistent contributions are the most powerful lever for building wealth.

Annual Interest Rate (%)The expected annual rate of return. Historically, the S&P 500 has averaged ~10% before inflation, or ~7% after inflation.

Time Period (years)

Compound FrequencyHow often interest is calculated and added to your balance. More frequent compounding produces slightly higher returns.

Future ValueThe total value of your investment at the end of the time period, including all contributions and compound interest earned.

$284,577

Total Contributions

$77,000

Interest EarnedThis is the power of compound interest — money your money earned for you, without any additional effort.

$207,577

Contributions (27%)Interest (73%)

Growth Over Time

How your contributions and compound interest build over time

Contributions

Interest Earned

Disclaimer: This calculator is for educational and illustrative purposes only. It assumes a fixed annual interest rate compounded at the selected frequency. Actual investment returns vary, and this tool does not account for taxes, inflation, fees, or market volatility. Past performance does not guarantee future results. This is not financial advice — consult a qualified financial advisor for personalized guidance.

Compound Interest Calculator

Your Numbers

Growth Over Time

Year-by-Year Breakdown