Free Calculator
Compound Interest Calculator
See how your money could grow over time, how much comes from growth, and what waiting costs you.
Small amounts.
Serious growth.
See how a starting balance and steady monthly investing could grow over time, and how much of the result comes from growth instead of your own deposits.
Growth makes up 71% of the total.
- What you put in
- $73,000
- Growth from returns
- $179,111
- Ending balance
- $252,111
See what changes the outcome
Waiting 5 years leaves you with about $167,740 instead of $252,111.
Adding $100 a month could grow your balance to about $374,108.
How compound growth works.
Returns earn their own returns. Over long stretches, growth can end up larger than everything you deposited, which is why starting early matters more than starting big.
Your estimated balance
See what your starting amount and monthly deposits could grow to at a steady yearly return.
Growth vs. your deposits
The chart splits every year into money you put in and growth from returns, so you can see when growth takes over.
The cost of waiting
Compare starting today with starting a few years later. The gap is usually bigger than people expect.
Start small. Stay steady.
You don't need a lot to begin. A consistent monthly amount, left alone for years, does most of the work. Adjust the return to see conservative and optimistic cases.
Retirement · See your 401(k) or IRA over decades
Index funds · Model a steady monthly investment
Savings · Compare a high-yield account at a lower rate
Calculator FAQ
Questions behind the numbers.
Understand how compound growth works and what the estimate includes.
What is compound interest?
What yearly return should I use?
How is this calculated?
Does this include taxes, fees, or inflation?
Why does starting early matter so much?
Put the numbers to work.
Anseris connects your bank, brokerage, and loans so you can see where your next dollar should go and how your investments are really growing.