Free Online Compound Interest Calculator
Estimate future investment value with compound growth and optional monthly contributions.
About This Tool
This free online compound interest calculator helps you estimate how savings or investments can grow over time. You can enter a starting amount, annual interest rate, investment period, compounding frequency, and optional monthly contributions to project future value. It is useful for savings goals, long-term investing, retirement planning, and comparing the effect of regular deposits over time.
If you need a compound growth calculator, investment growth calculator, or future value calculator with monthly contributions, this page is built for that workflow. Instead of working through formulas manually, you can test scenarios quickly and see the total contributions and estimated interest earned.
Benefits and Use Cases
- Estimate future value with compound growth
- Include recurring monthly contributions
- Compare different compounding frequencies
- See total contributions and interest earned separately
- Use it for savings, investing, and long-term planning
How to Use
- Enter the starting amount.
- Enter the annual interest rate and number of years.
- Add an optional monthly contribution.
- Choose the compounding frequency.
- Review future value, total contributions, and interest earned.
Frequently Asked Questions
What does this compound interest calculator show?
It shows estimated future value, total contributions, and total interest earned.
Can I include monthly contributions?
Yes. You can enter a recurring monthly contribution to see how regular deposits affect growth.
What is compounding frequency?
It is how often interest is added to the balance, such as annually, quarterly, monthly, or daily.
Does it work with 0% interest?
Yes. If the rate is 0, the calculator still totals the starting amount and any monthly contributions.
Is my investment data stored?
No. The calculation runs locally in your browser.