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Compound Interest Calculator

Small, steady contributions plus time equals surprisingly big numbers. Adjust the inputs and watch the tape prove it.

Returns are hypothetical and not guaranteed. Markets fluctuate; this shows the math, not a promise.

Savings Growth · Projection
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Common questions

What is compound interest?

It's interest earned on both your original money and on the interest it has already earned. Growth accelerates over time, which is why starting early matters more than starting big.

What rate of return should I assume?

It depends on what you're invested in. High-yield savings accounts have recently paid around 4%; the US stock market has historically averaged roughly 7% annually after inflation over long periods — with plenty of ups and downs along the way. Past performance never guarantees future results.

How often does compounding frequency matter?

Less than people think. On the same nominal rate, daily versus monthly compounding changes the outcome by a fraction of a percent. Contribution amount, rate, and time do the heavy lifting.