Free tool
Compound Interest Calculator
See what your money could grow into over time. Adjust your starting amount, monthly contributions, interest rate, and time horizon to explore how compound growth works.
Your numbers
Estimated value after 20 years
$104,730
Based on a $1,000 start, $200/month, at 7% annual return.
Total contributed
$6,100
Interest earned
$2,850
Final balance
$8,950
Growth over time
Your contributions
Interest earned
Year-by-year breakdown
| Year | Contributions | Interest earned | Balance |
|---|
This is an estimate, not a promise. Real investments fluctuate in value and returns are never guaranteed. This calculator assumes a constant rate of return and regular contributions, which is rarely how real markets behave. Use it to explore ideas, not to plan around a specific outcome.
Want to understand the "why" behind this?
Lesson 1 explains how saving consistently — even small amounts — builds toward numbers like these.