Compound interest calculator
Estimate future value assuming each year's return is reinvested. Taxes and fees are not included.
COMPOUND GROWTH SCENARIOS
These examples assume one initial investment, full reinvestment, and the same annual return every year. Actual returns vary and are not guaranteed; taxes and fees are excluded.
Initial investment $10,000 · 8% annual return · no additional contributions
Initial investment $10,000 · 20 years · no additional contributions
Initial investment $10,000 · 8% annual return · 10 years · no additional contributions
Simple interest applies returns only to the starting amount. Compound interest also includes prior gains in the next year's base. This is an assumed comparison, not a promise of investment returns.
How it works
The first year's return is applied to the initial investment. Each following year uses the larger, updated balance.
The return is held constant. Actual performance, taxes, and fees are not included.
This example assumes every year's return is fully reinvested.
The estimated balance is about 2.16 times the initial amount. Growth accelerates later because each year's return is added to the balance used for the next year.
No. It is a constant assumption for comparing scenarios. Actual investment returns can change from year to year.
No growth is added, so the final value is the same as the initial investment.
This calculator grows one initial amount. Use the recurring investment calculator for regular contributions.
Please check the entered values.
