💰 Compound Interest Calculator

Calculate your investment growth with compound interest

Initial Investment ($):

Monthly Contribution ($):

Annual Interest Rate (%):

Rate Variance (% of rate): Enter percentage of the rate. Example: 10 means ±10% of rate (e.g., 10% rate → 9-11% range)

Investment Period (Years):

Compounding Frequency:

Expected Balance

Total Deposits

Interest Earned

Year	Deposits	Interest	Balance

📐 Compound Interest Formula


                    A = P(1 + r/n)^(nt) + PMT × [((1 + r/n)^(nt) - 1) / (r/n)]

A = Final amount (Future value)

P = Principal amount (Initial investment)

r = Annual interest rate (decimal)

n = Compounding frequency per year

t = Time in years

PMT = Regular contribution amount

⏰

Start Early

Time is your greatest asset. Starting early gives your investments more time to grow exponentially.

📅

Be Consistent

Regular monthly contributions can significantly boost your returns over time.

🎯

Stay Patient

Compound interest takes time. The longer you invest, the more powerful the compounding effect.

📊

Diversify

Don't put all eggs in one basket. Spread investments across different assets.

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