Skip to content
SEO Tools
en
en English es Español pt Português de Deutsch fr Français ja 日本語 it Italiano zh 中文 ar العربية

Compound Interest Calculator

Calculate compound interest, forecast investment growth, and export complete amortization schedules directly in your browser with 100% client-side privacy.

Input Parameters

Adjust variables to calculate projected results.

$
%
Growth & Amortization Projection
Interactive Chart

Final Balance: $20,096.61

Total Investment

$10,000.00

Total Interest Earned

$10,096.61

Final Balance

$20,096.61

Amortization Schedule

Yearly breakdown of principal and interest compounding

YearPrincipalInterestBalance
1$10,000.00$722.90$10,722.90
2$10,000.00$1,498.06$11,498.06
3$10,000.00$2,329.26$12,329.26
4$10,000.00$3,220.54$13,220.54
5$10,000.00$4,176.25$14,176.25
6$10,000.00$5,201.06$15,201.06
7$10,000.00$6,299.94$16,299.94
8$10,000.00$7,478.26$17,478.26
9$10,000.00$8,741.77$18,741.77
10$10,000.00$10,096.61$20,096.61

How Compound Interest Works

Compound interest is interest calculated on the initial principal as well as the accumulated interest from previous periods. Over time, compounding accelerates investment growth exponentially.

Mathematical Formula

A = P * (1 + r / n)^(n * t)
  • A = Final accumulated balance
  • P = Initial principal balance
  • r = Nominal annual interest rate (in decimal form)
  • n = Compounding frequency per year
  • t = Investment duration in years

Frequently Asked Questions

How does compounding frequency impact returns?
The more frequently interest is compounded (e.g. daily or monthly vs annually), the faster interest accumulates, resulting in higher final yields due to earning interest on interest sooner.
Is my financial data kept private?
Yes. All calculations, chart projections, and CSV exports are performed 100% within your local browser. Zero financial data is ever sent to or stored on our servers.
Can I export the amortization schedule for spreadsheet modeling?
Yes. Click the "Export CSV" button to download an RFC 4180 standard CSV file containing the complete year-by-year principal, interest, and balance breakdown compatible with Excel, Google Sheets, and Numbers.