Compound Interest Calculator
Calculate compound principal-and-interest and total interest from principal, rate, term, and monthly deposits
도구를 불러오는 중…
🔒 Everything runs 100% in your browser. Your files and input are never uploaded to any server.
Enter your initial principal, monthly deposit, annual rate, and term, and this tool calculates the maturity value grown by compound interest along with the total interest earned. It's useful for anyone who wants to simulate in advance just how large the compounding effect can be when building savings through deposits or investments.
How to use
- Enter your initial principal and (optionally) the amount to deposit each month.
- Enter the annual interest rate (%) and the term in years.
- The maturity value, total contributions, and total interest, calculated with monthly compounding, are displayed.
- Use 'Copy Result' to save the outcome or compare it with other rates.
FAQ
- How often is interest compounded?
- This calculator uses monthly compounding (dividing the annual rate by 12 and adding interest to the principal each month), and assumes monthly deposits are made at the end of each month. As a result, the maturity value comes out higher than a bank's simple-interest savings.
- Are taxes and inflation factored in?
- No. The figures shown are pre-tax and do not reflect interest income tax (15.4%) or inflation. Your actual payout may be somewhat lower than this.
- Is the amount information I enter sent to a server?
- No. All calculations are processed entirely within your browser, and details like principal and deposits are never sent to or stored on a server.