Investor Tool

Compound Interest Calculator

Visualize the long-term power of compounding and see when your money starts doing the hard work.

Coach Mode

Decision Inputs

Initial Investment ($)

Your starting amount of money. E.g., $10,000

Monthly Contribution ($)

Amount added each month. Higher contributions grow your portfolio faster. E.g., $500

Years

Time horizon in years. Longer periods allow more compounding. E.g., 30

Annual Return (%)

Expected annual return percentage. Historical stock market average is ~7-10%. E.g., 8

Analysis Result

Adjust your inputs and click "Calculate Growth" to see your results.

"Seeing the long-term impact of just an extra $200 a month motivated me to start today."

Jessica P.— Small Business Owner

Risks & Limitations

Returns are never linear; actual market performance will fluctuate significantly year-to-year.
Inflation will reduce the future purchasing power of the calculated amount.
Taxes (capital gains or income) are not included in this deterministic model.

Compound Interest: Interest calculated on the initial principal, which also includes all of the accumulated interest from previous periods.
Principal: The original sum of money invested or lent, before interest is added.
Annual Percentage Yield (APY): The real rate of return earned on an investment, taking into account the effect of compounding interest.

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