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Gratis Compound Interest Calculator

Project investment or savings growth with regular contributions. Shows total contributed vs interest earned, plus year-by-year breakdown.

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Starting principal

Monthly contribution

Annual interest rate

Years

Compounding frequency

Final balance after 30 years

$650,568

Year 0Year 30

You contributed

$185,000

Interest earned

$465,568

Year-by-year breakdown

Year	Total contributed	Interest earned	Balance
1	$11,000	$558	$11,558
2	$17,000	$1,590	$18,590
3	$23,000	$3,130	$26,130
4	$29,000	$5,215	$34,215
5	$35,000	$7,885	$42,885
6	$41,000	$11,181	$52,181
7	$47,000	$15,149	$62,149
8	$53,000	$19,839	$72,839
9	$59,000	$25,300	$84,300
10	$65,000	$31,591	$96,591
11	$71,000	$38,770	$109,770
12	$77,000	$46,901	$123,901
13	$83,000	$56,054	$139,054
14	$89,000	$66,303	$155,303
15	$95,000	$77,726	$172,726
16	$101,000	$90,409	$191,409
17	$107,000	$104,442	$211,442
18	$113,000	$119,923	$232,923
19	$119,000	$136,958	$255,958
20	$125,000	$155,657	$280,657
21	$131,000	$176,142	$307,142
22	$137,000	$198,542	$335,542
23	$143,000	$222,994	$365,994
24	$149,000	$249,648	$398,648
25	$155,000	$278,663	$433,663
26	$161,000	$310,209	$471,209
27	$167,000	$344,469	$511,469
28	$173,000	$381,639	$554,639
29	$179,000	$421,930	$600,930
30	$185,000	$465,568	$650,568

Quick presets

💡 The 7% rate is roughly the long-term US stock market average after inflation. Real returns vary year to year. This calculator assumes a fixed annual rate and constant contributions — useful for planning, not a guarantee.