Financial
Compound Interest Calculator
See how your investment grows over time with the power of compounding — the more frequently interest compounds, the faster your money grows.
Future Value
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Total Interest Earned
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Principal
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Effective Annual Rate
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How it works
Compound interest is calculated with: A = P(1 + r/n)^(nt), where P is the principal, r is the annual interest rate (as a decimal), n is the number of times interest compounds per year, and t is the time in years. The effective annual rate (EAR) shows the true yearly return after compounding: EAR = (1 + r/n)^n − 1. More frequent compounding means slightly higher returns.