Calculator
Compound Interest Calculator
Adjust any input and watch what time does to your money. The only variable that matters more than the rate is when you start.
Final balance
$0
after 30 years
Total contributed
$0
your money in
Interest earned
$0
0% of total
Growth multiple
0x
every $1 became
Balance at key milestones
What if you waited 5 years to start?
Same monthly contribution, same return rate — just starting later.
Starting now
$0
after 30 years
Starting in 5 years
$0
after 25 years
Cost of waiting 5 years
$0
Ready to start? Read why starting before you feel ready is the most important decision you can make.
Read: Start Investing →
This calculator is for educational purposes only. It uses compound interest math with monthly compounding. The 7% default is based on the historical inflation-adjusted average return of the US stock market and does not guarantee future results. Investment values can go up or down. This is not financial advice. Consult a licensed financial advisor before making investment decisions.