Compound Interest Calculator
Project compounded growth, recurring deposits and inflation-adjusted balances. Results are estimates, not financial advice.
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Online
Set growth, contributions and inflation. Results update as you type.
Results are estimates, not financial advice.
A constant nominal rate is converted to equivalent growth between deposits, including fractional compounding periods. The contribution increases at each year’s start. Daily means 365 periods and weekly means 52. Inflation adjusts the nominal balance to today’s purchasing power. No taxes or fees.
Result
- Final nominal balance
- $31,998.32
- Final value in today’s money
- $31,998.32
- Total deposited including starting principal
- $22,000.00
- Total interest
- $9,998.32
- Effective annual rate (%)
- 5.1162%
Balance over time
| Year | Deposits this year | Interest this year | Year-end nominal balance | Year-end real balance |
|---|---|---|---|---|
| 1 | $1,200.00 | $539.50 | $11,739.50 | $11,739.50 |
| 2 | $1,200.00 | $628.50 | $13,568.01 | $13,568.01 |
| 3 | $1,200.00 | $722.05 | $15,490.06 | $15,490.06 |
| 4 | $1,200.00 | $820.39 | $17,510.44 | $17,510.44 |
| 5 | $1,200.00 | $923.75 | $19,634.20 | $19,634.20 |
| 6 | $1,200.00 | $1,032.41 | $21,866.60 | $21,866.60 |
| 7 | $1,200.00 | $1,146.62 | $24,213.23 | $24,213.23 |
| 8 | $1,200.00 | $1,266.68 | $26,679.91 | $26,679.91 |
| 9 | $1,200.00 | $1,392.88 | $29,272.79 | $29,272.79 |
| 10 | $1,200.00 | $1,525.54 | $31,998.32 | $31,998.32 |