What is compound interest?

Compound interest is interest calculated on the initial principal and also on the accumulated interest from prior periods. The formula is A = P × (1 + r/n)^(n × t).

Which compounding frequencies are supported?

Daily, weekly, monthly, quarterly, and annually. You can also calculate by exact dates for precise durations.

Is it free and private?

Yes. It is 100% free and private. All calculations run locally in your browser. No signups, no tracking fast, best-in-class, and lifetime free unlimited use.

What’s the difference between APR and APY?

APR is the annual rate without compounding. APY includes the effects of compounding. For the same APR, higher compounding frequency increases APY.

Which currencies and regions are supported?

The tool formats results in your browser locale. Common use cases include the USA (USD), UK (GBP), EU (EUR), India (INR), Australia (AUD), and Canada (CAD).

Can I add monthly contributions?

Coming soon. For now, calculate growth on a one-time principal. Contributions will allow monthly deposits with flexible frequencies.

Compound Interest Calculator

Unlock the power of compounding. Project your savings growth and plan for your financial goals with precision.

Principal Amount ($)

Compounding Frequency

Annual Rate (%)

By Duration By Date

Years

Months

Days

Fast, Free, Private Compound Interest Calculator

Calculate your investment’s future value with detailed breakdowns by day, week, month, and year. Top, Fast, Best and Lifetime Free Unlimited your information is 100% confidential and secure (processing is done locally in your browser).

Why people love this compound interest calculator

Accurate projections

Use daily, weekly, monthly, quarterly, or annual compounding to see precise growth.

Date-based mode

Calculate with exact start and end dates for real-world scenarios.

Detailed breakdowns

Yearly, monthly, weekly, and daily tables help you understand how compounding adds up.

Private by design

No uploads, no tracking. Everything runs locally on your device.

Free & unlimited

Lifetime free no signups, no paywalls, no watermarks, no limits.

Mobile friendly

Optimized for Chrome, Edge, Firefox, and Safari on desktop and mobile.

Popular uses worldwide

Retirement planning

Estimate how your savings grow over decades with different compounding frequencies.

Emergency fund & savings goals

See how much interest you can earn for short- and mid term goals.

Education funds

Project college funds and long-term education savings growth.

Fixed deposits & CDs

Compare daily vs. monthly compounding for bank deposits and certificates of deposit.

High-yield savings & APY

Understand the effect of APY, APR, and compounding on your returns.

Investment comparisons

Model different rates to compare potential outcomes and time horizons.

Note: This calculator provides general estimates and is not financial advice.

How to calculate compound interest

Enter your principal amount and annual rate (APR).
Select compounding frequency: daily, weekly, monthly, quarterly, or annually.
Choose duration by Years/Months/Days or use exact Start/End dates.
Click “Calculate” to see future value, total interest, and detailed breakdowns.

Formula: A = P × (1 + r/n)^n×t, where P = principal, r = annual rate (decimal), n = compounds per year, t = years.

Global availability (GEO) & currencies

Built for users in the USA, UK, Canada, Australia, India, and across the EU (Germany, France, Spain, Italy, Netherlands), Middle East (UAE, Saudi Arabia), Asia (Singapore, Malaysia, Philippines, Indonesia, Japan, South Korea), Africa (Nigeria, South Africa, Egypt), and Latin America (Brazil, Mexico, Argentina). Supports common currencies and locale formats (USD, GBP, EUR, INR, AUD, CAD) via your browser settings.

Frequently Asked Questions

Is it private and secure?

Yes. All calculations happen in your browser. Your data never leaves your device.

What compounding frequencies can I use?

Daily, weekly, monthly, quarterly, and annually. You can also calculate using exact dates.

What is APY vs APR?

APR is annual rate without compounding. APY includes compounding, which makes returns higher for the same APR with more frequent compounding.

Is it really free forever?

Yes lifetime free and unlimited. No signup, no paywalls, no watermarks.

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