Calculate how your investments grow with compound interest. Enter your initial investment, monthly contribution, expected return rate, and time horizon to see your projected wealth over 10, 20, or 30 years.
Compound interest means you earn returns on both your original investment and on previous returns. Over time, this creates exponential growth — your money grows faster the longer it stays invested. Regular monthly contributions dramatically increase your final wealth because each contribution starts compounding immediately.
This free calculator visualizes the power of compounding and helps you plan your long-term investment strategy. Choose your country below to include local capital gains tax rates in the calculation.
This calculator provides estimates based on a fixed annual return rate. Real market returns vary year to year, so actual results will differ. Use it to understand the general trajectory of your investments, not as a precise prediction.
Historical stock market returns (like the S&P 500) average 7-10% annually over long periods. Use 7% for conservative estimates that roughly account for inflation, or 10% for nominal (before inflation) projections.
No, this shows nominal returns. For real (inflation-adjusted) purchasing power, subtract 2-3% from your expected return rate. For example, use 5% instead of 7% to see inflation-adjusted growth.
Compound interest means you earn returns on both your original investment and on previous returns. Over time, this creates exponential growth — your money grows faster the longer it stays invested.
Regular monthly contributions dramatically increase your final wealth because each contribution starts compounding immediately. Even small amounts add up significantly over decades due to the compounding effect.