Compound Interest Calculator
Enter principal, annual rate, number of years, and compounding frequency. Get the future value + interest earned.
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Open BusinessOSCommon questions
What's the difference between simple and compound interest?
Simple interest is on the principal only. Compound interest is on the principal PLUS accumulated interest — the earnings earn earnings. Over 30 years the difference is often 3-5x.
How does compounding frequency affect the result?
Daily compounding beats monthly beats annual for the same rate. But the difference is small at low rates. At 7% APR over 10 years, daily compounding earns only ~0.25% more than annual.
Why is compound interest called the 8th wonder?
Because time does the heavy lifting. $10K at 7% for 40 years becomes $150K — 15x. Start early.