Compound Interest Calculator

See how a starting amount plus regular contributions grows over time — and how much of the final total is your own money versus compound interest. All calculations run privately in your browser.

Your plan

Starting amount ($)

Monthly contribution ($)

Annual return / interest rate (%)

Years

Compounding frequency

Future value

—

calculating…

You contribute

—

total paid in

Interest earned

—

growth on top

Final balance

—

after the full term

Balance by year

Method: standard compound-interest projection — your balance compounds at the chosen frequency while contributions are added each period. "Interest" is growth on top of everything you put in. Returns are not guaranteed and are shown before inflation and tax; a realistic long-run real return is lower than nominal. General information, not financial advice. Disclaimer →

Compare two scenarios

Snapshot your current numbers, change any input, then snapshot again to see the difference side by side.

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Data reference (Canada): Standard compound-interest formula; illustrative default inputs · figures as of 2026-06 · Compiled from official public sources via AI-assisted research, current to 2025-26; latest available data, not individually verified - general information, not advice.. See our methodology for how every figure is sourced and dated.

🔒 Calculations run 100% in your browser — we never see your numbers 📊 Built on primary-source data (see references above) 🔄 Reviewed 2026 · methodology · disclaimer

Future value

Balance by year

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