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Compound interest calculator

Calculate a balance with a fixed return and a contribution at the end of each period.

End balance
USD 11,268.25
USD
Total contributions
USD 0.00
Total gain
USD 1,268.25

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This is a mathematical projection. Returns can vary or be negative. Taxes, fees and inflation are not included. The starting balance and every computed balance must not exceed 1,000,000,000,000,000.

Balance by period
PeriodBalanceContributionsGain
0USD 10,000.00USD 0.00USD 0.00
1USD 10,100.00USD 0.00USD 100.00
2USD 10,201.00USD 0.00USD 201.00
3USD 10,303.01USD 0.00USD 303.01
4USD 10,406.04USD 0.00USD 406.04
5USD 10,510.10USD 0.00USD 510.10
6USD 10,615.20USD 0.00USD 615.20
7USD 10,721.35USD 0.00USD 721.35
8USD 10,828.57USD 0.00USD 828.57
9USD 10,936.85USD 0.00USD 936.85
10USD 11,046.22USD 0.00USD 1,046.22
11USD 11,156.68USD 0.00USD 1,156.68
12USD 11,268.25USD 0.00USD 1,268.25

How to use the compound interest calculator

  1. Enter the starting balance.
  2. Set the return and number of periods.
  3. Enter the contribution added at the end of each period.
  4. Compare the end balance, contributions and gain.

Formula

Next balance = current balance × (1 + return percent ÷ 100) + contributionGain = end balance − starting balance − contributions10,000 × (1 + 1 ÷ 100)^12 + end-of-period contributions of USD 0.00 = USD 11,268.25

FAQ

When is the contribution added?

The contribution is added after each period’s return. It starts earning the entered return in the following period.

Can I enter a negative return?

Yes. A negative return reduces the balance before the contribution is added. The return per period must be at least minus 100 percent.

Does this calculate a future market return?

No. The formula repeats the return you enter for the chosen number of periods. It calculates that mathematical scenario and does not predict returns.

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