Compound Interest Calculator

The Compound Interest Calculator isolates growth mechanics so you can understand how time, return, and contribution consistency shape long-term balances. This route is useful when you need a clear accumulation baseline without retirement-specific tax sequencing complexity. It helps answer practical questions like how much increasing monthly contributions matters versus extending your timeline, or how sensitive results are to optimistic return assumptions. Use it to build intuition before making decisions in more advanced calculators. A disciplined comparison across multiple return assumptions is usually more valuable than a single projection. By using realistic ranges and revisiting inputs periodically, you can keep expectations grounded and make contribution decisions that hold up through market cycles and personal cash-flow changes. Project how principal, recurring contributions, and return assumptions compound over time with annual balance breakdowns. Review assumptions before acting and compare more than one scenario to reduce planning risk.