Compound Interest Calculator

Calculate investment growth with compound interest: lump sum or recurring contributions, multiple compounding frequencies, inflation adjustment, effective APY, growth chart, and year-by-year breakdown — 100% in your browser.

Initial amount

Annual interest rate (%)

Years

Compounding frequency

Recurring contribution

Contribution frequency

Inflation rate (%) — optional, adjusts for purchasing power

Formula reference

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

Continuous: A = Pe^rt

APY = (1 + r/n)ⁿ − 1

P = principal · r = annual rate · n = compounds/yr · t = years · PMT = periodic contribution

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