Calculator
Compound Interest Calculator
Forecast investment growth with compounding frequency and annual return.
Calculator workspace
Model long-term growth and compounding outcomes year by year.
Workspace session
Each calculator workspace session is saved locally and linked to this calculator route.
Reusable finance profile
Balanced debt and savings assumptions for one income household.
Display currency
Currency list source: local-fallback. Loaded 162 options.
Values stay the same, but all money outputs are shown in USD for your region.
Goal tracker
Set one measurable target to keep this calculator outcome on track.
Scenario vault
No saved scenarios yet. Save your current setup to build your comparison vault.
Smart action plan
- Save 2-3 scenarios and compare outcomes before making final decisions.
- Translate your preferred outcome into a monthly target and track it as a goal in this workspace.
Insights
- Effective annual growth rate (CAGR): 7.23%.
- Longer time horizon usually beats trying to time markets for most investors.
Growth timeline
| Years | Account Value | Total Gain |
|---|---|---|
| 0 | $10,000.00 | $0.00 |
| 1 | $10,722.90 | $722.90 |
| 2 | $11,498.06 | $1,498.06 |
| 3 | $12,329.26 | $2,329.26 |
| 4 | $13,220.54 | $3,220.54 |
| 5 | $14,176.25 | $4,176.25 |
| 6 | $15,201.06 | $5,201.06 |
| 7 | $16,299.94 | $6,299.94 |
| 8 | $17,478.26 | $7,478.26 |
| 9 | $18,741.77 | $8,741.77 |
| 10 | $20,096.61 | $10,096.61 |
How this tool helps
Model long-term savings outcomes by adjusting initial principal, rate, years, and compounding periods.
Utiliora tools are designed to work directly in modern browsers with clear input labels, mobile-friendly controls, and accessible result panels. Use related utilities below to continue your workflow without switching apps.
FAQ
Is Compound Interest Calculator free to use?
Compound Interest Calculator is available for free and works directly in your browser.
Does Compound Interest Calculator store my input data?
Inputs are processed client-side whenever possible. Server-side checks are only used for network diagnostics and are not stored.
Can I use Compound Interest Calculator on mobile?
Yes. The interface is responsive and optimized for phones, tablets, and desktop devices.