Compound Interest Calculator

Your money earns a return, and then that return earns its own return. Each period the base grows, so each gain is larger than the last. Over decades this becomes the dominant force in your balance.

Less than most people expect. Moving from annual to monthly compounding adds a modest boost; monthly to daily adds very little. Contribution amount, rate of return, and years invested matter far more.

It reflects a commonly cited long-run average for a diversified stock portfolio after inflation is excluded. It is an illustration, not a promise — real returns vary widely year to year and are never guaranteed.