Compound Interest Calculator

See how money grows with compound interest: enter a starting amount, an optional monthly deposit, the annual rate and the number of years. You get the final balance, how much of it is interest, and a year-by-year table.

Your numbers
Result
Final balance
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Total deposits
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Interest earned
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Growth multiple
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The compound interest formula

A = P × (1 + r/n)^(n × t)

P is the starting amount, r the annual rate as a decimal, n how many times a year interest is added, and t the number of years. Regular deposits each grow from the month they’re added; the calculator works month by month so deposits and any compounding frequency combine correctly.

Example: $10,000 at 7% a year, compounded monthly, for 10 years grows to about $20,097 with no deposits. Adding $200 a month takes it to about $54,700, of which $34,000 is deposits.

Why compounding matters

With simple interest you earn only on the original amount. With compound interest you also earn on past interest, so growth speeds up over time. The longer the period, the bigger the gap. A quick rule of thumb, the rule of 72, says money doubles in roughly 72 ÷ rate years: about 10 years at 7%.

Compounding frequency

More frequent compounding adds slightly more: 7% compounded monthly is an effective 7.23% a year, and daily about 7.25%. The rate and the time matter far more than the frequency.

For traders

Growing an account by a fixed % per day or per trade? The compounding calculator handles daily, weekly and monthly growth rates, and the drawdown calculator shows how losses compound the other way. To measure past growth, use the CAGR calculator.

ChartWatch is independent and not affiliated with TradingView, any broker or exchange. This calculator uses only the numbers you enter and runs in your browser. Results are estimates before taxes and any costs you leave out. It is a calculation tool, not financial advice.

FAQ

How do you calculate compound interest?
Use A = P × (1 + r/n)^(n×t), where P is the starting amount, r the annual rate as a decimal, n the compounding periods per year and t the years. Regular deposits are added and grown from the month they're made.
How much will $10,000 grow in 10 years at 7%?
About $19,672 compounded yearly, or about $20,097 compounded monthly, with no further deposits.
What is the rule of 72?
A shortcut for how long money takes to double: divide 72 by the annual rate. At 8% it's about 9 years.
Does this include tax and inflation?
No. It shows nominal growth before tax and inflation, using the rate you enter.

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ChartWatch is an independent tool and is not affiliated with, endorsed by, or officially connected to TradingView, Inc. “TradingView” is a trademark of its respective owner. Exchange, broker and platform names are trademarks of their respective owners.