🧮 Compound Interest Calculator

Core formula: A = P × (1 + r)^t — where A is the final amount, P is the principal, r is the rate per period, t is the number of periods.
📖 Read more: The Power of Compound Interest to understand the meaning behind each scenario below.

📈 Compound Interest on Investments

Enter your investment amount, expected annual return, and time horizon to see how your wealth grows.

💰 Investment Amount ($)

📊 Annual Return Rate (%)

⏳ Investment Period (years)

🔁 Investment Type

Lump Sum (one-time) Annual Contribution

⚖️ Compare Return Rates

Compare how different annual return rates — from savings accounts to stock picking — affect your final wealth.

💰 Investment Amount ($)

⏳ Time Horizon (years)

🔁 Investment Type

Lump Sum (one-time) Annual Contribution

🐛 The Impact of Inflation

Inflation is the "silent thief" that erodes your purchasing power over time. See how much value you lose — and how much you need to earn to stay ahead.

💰 Current Value ($)

📉 Annual Inflation Rate (%)

⏳ Time Horizon (years)

📈 Investment Return Rate (%) — optional

💀 Compound Debt Growth

What happens to an unpaid debt over time? This is the dark side of compound interest — especially dangerous with credit cards and bad loans.

🏦 Original Debt ($)

⚠️ Annual Interest Rate (%)

⏳ Years Without Payment

🔢 Rule of 72 & Discounted Cash Flow

Rule of 72

Divide 72 by your annual return rate (%) to estimate how many years it takes to double your money.
Example: 10%/yr → 72 ÷ 10 = 7.2 years to double.

📊 Annual Return Rate (%)

💰 Starting Amount ($) — optional

🎯 Target Amount ($) — optional

Present Value (PV) / Future Value (FV)

PV = FV / (1 + r)^n | FV = PV × (1 + r)^n

Calculate the present value (PV) of a future cash flow, or the future value (FV) of money you have today.

I want to calculate

PV (Present Value from a Future Amount) FV (Future Value from a Current Amount)

💵 Future Value FV ($)

💵 Present Value PV ($)

📊 Discount / Interest Rate (%/yr)

⏳ Number of Years

➝ Read more: The Power of Compound Interest to understand the meaning behind these numbers.

➝ Explore other financial tools .