Compound Interest Calculator
A simple calculator to estimate future value with compound interest and monthly contributions.
%
Yearly increase in monthly contribution (from initial monthly amount)
%
Example: 10 means 10% per year
Example: 10 years
%
Example: 3 means 3% per year (to calculate real purchasing power)
Results
Final amount (estimate)
Final Amount (Estimate)
Total investment value at the end of the period, including initial principal, all contributions, and earned interest.
FV = PV × (1 + r/n)^(n×t) + Σ[PMT × ((1 + r/n)^n - 1) / (r/n)]
FV is calculated with monthly compounding (n=12) and monthly contributions that increase each year.
Real value in today's money
Real Value in Today's Money
Final amount adjusted for inflation to show actual purchasing power in today's terms.
PV = FV / (1 + inflation)^years
Calculates how much the final amount is worth in today's purchasing power, accounting for inflation.
Total contributions
Total Contributions
Total amount of money deposited during the investment period, including initial principal and all monthly contributions.
Total = Initial Principal + Σ(Monthly Contribution × 12 × (1 + increase)^year)
Sums the initial principal with all monthly contributions that increase each year by the specified percentage.
Total interest
Total Interest
Difference between final amount and total contributions, showing the gain from compound interest.
Total Interest = Final Amount - Total Contributions
Interest earned from the investment, calculated by subtracting total contributions from the final amount.
Interest share of final amount