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Compound Interest Calculator

Finance & Investment

Future value, recurring deposits, year-by-year growth

Quick Answer

Compound Interest Calculator: Future value, recurring deposits, year-by-year growth. Future value = P(1+r)ᵗ + PMT × [((1+r)ᵗ − 1) ÷ r].

FV = P×(1+r)^n + PMT×12×[(1+r)^n − 1] / r

After 10 years at 5%

313,824.17 CNY
Total Invested220,000.00
Total Earnings93,824.17
Return Rate42.65%
Money multiple1.43×

Final Value Breakdown

Total Deposits220,000 (70.1%)Total Earnings93,824 (29.9%)

Year-by-Year Growth

Y1Y10
Total DepositsTotal EarningsHover for yearly details
YearInvestedInterestBalance
Y1112,0005,000117,000
Y2124,00010,850134,850
Y3136,00017,593153,593
Y4148,00025,272173,272
Y5160,00033,936193,936
Y6172,00043,633215,633
Y7184,00054,414238,414
Y8196,00066,335262,335
Y9208,00079,452287,452
Y10220,00093,824313,824

Step-by-step

  1. 1(1+r)^n = (1+0.05) ^ 10 = 1.6289
  2. 2Lump part: 100,000 × 1.6289 = 162,889.46
  3. 3Monthly part: 1,000×12 × (1.6289−1)/0.05 = 150,934.71
  4. 4Total = 313,824.17; invested 220,000.00; interest 93,824.17

💡 Rule of 72: money doubles in ≈ 72 ÷ rate years (5% → ~14.4 yrs). Monthly deposits are approximated as annual batch contributions (PMT×12); real fund NAV fluctuates and returns are not guaranteed.

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How to Use

  1. Enter amounts and terms: fill principal, rate and period in the Compound Interest Calculator (defaults work for a quick try).
  2. Instant results: key figures and cost breakdown update live as you type.
  3. Compare scenarios: tweak any parameter to compare costs and returns across plans.
  4. Copy key numbers: one-click copy for records or sharing with your advisor.

Key Points

  • Compound Interest Calculator is a free online finance tool — open and use, no sign-up.
  • All calculations run locally in your browser; your data never leaves the device.
  • Key capability: Future value, recurring deposits, year-by-year growth.
  • Results come with formulas and reference tables so you can verify every number.

Formula & How It Works

Compound interest

Future value = P(1+r)ᵗ + PMT × [((1+r)ᵗ − 1) ÷ r]
P = principal, PMT = monthly deposit, r = periodic rate, t = periods

FAQ

How do I use the Compound Interest Calculator?
Open the page and fill in the input fields — results update automatically. Future value, recurring deposits, year-by-year growth.
Are the results accurate?
Yes. Standard financial formulas and published rate data are used. For official figures, consult your financial institution.
Is it free? Do I need to sign up?
Completely free. No registration, login or download required.
Can I use the results for financial decisions?
Results are for reference. Consult a licensed financial advisor before major decisions.
Does it work on mobile?
Yes. Fully responsive on phones, tablets and desktops.

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Source & Updates

Based on published rate tables and standard financial formulas. Last updated: 2025-07

Authoritative sources:

Last updated:

Formulas and content on this page are reviewed by the YiJianSuan team. For reference only — official sources prevail.

Maintained and periodically reviewed by the YiJianSuan editorial team — review process in ourEditorial Policy.

Cite this page: YiJianSuan. Compound Interest Calculator[EB/OL]. https://www.yijiansuan.com/en/c/finance/compound

Results provided by this tool are for reference only and do not constitute professional advice.