Compound Interest Calculator
Compound Interest Calculator
Estimate future value, regular deposits or withdrawals, inflation, tax and fees. Share the result, download a table, or copy an Excel formula.
Outputs
Results
Enter your numbers and click calculate.
Excel and CSV downloads contain calculated values. Changing inputs in the workbook will not recalculate the results. Download instructions and preview.
Year-by-year table
A yearly summary of balance, contributions and interest.
| Year | Deposits | Withdrawals | Interest | Tax / fees | End balance |
|---|
What if I allow five more years?
Calculate to see the comparison.
Simple vs compound interest
Calculate to see the comparison.
Download compound interest results for Excel
The free .xlsx download is a snapshot of your calculation. It contains a Monthly results sheet with the cash flows and an Inputs and summary sheet recording the settings and final balance. It contains values, with no calculation formulas. To try different inputs, calculate again on this page and download a new file.
- Enter your amount, rate, term and any regular payments, then select Calculate.
- Select Download Excel (.xlsx) in Results. Save
compound-interest-calculation.xlsxand open it in Excel. - Use Monthly results for the detailed schedule. The CSV button downloads that same monthly table as a separate file.
Example of the exported values
Start with 1,000 at a 12% nominal annual rate, compounded monthly for one year, with no payments, tax, fees or inflation adjustment. The monthly rate is 1%, giving a final balance of 1,126.83. These amounts work in any of the calculator's currencies.
| Month | Starting balance | Gross interest | Closing balance |
|---|---|---|---|
| 1 | 1,000.00 | 10.00 | 1,010.00 |
| 2 | 1,010.00 | 10.10 | 1,020.10 |
Load this example in the calculator.
To calculate inside Excel, use the supported formula below or follow the compound interest formulas in Excel guide for formulas you can adapt to cell references.
Excel formula
Copy a matching FV formula for a lump sum or constant monthly payments without tax, fees or account exhaustion. Weekly payments use the calculator's monthly average. Annual and increasing payments are available as downloaded values only. The formula returns the nominal balance; inflation adjustment is separate.
=FV(...)Growth chart
Compare your balance, net cash paid in and net growth or loss after deductions. Negative returns remain visible.
Month-by-month table
Click a year to expand the monthly breakdown.
Guide
How to use this compound interest calculator
Enter your starting amount, annual interest rate and time period, then choose how often the interest is compounded. You can also add regular deposits or withdrawals, inflation, tax and annual fees.
The results include a final balance, total contributions, interest earned, a yearly table, a month-by-month breakdown and a growth chart. Use the share URL to save the calculation or send it to someone else.
Compound interest formula
The standard formula is A = P(1 + r/n)nt, where P is the starting amount, r is the annual rate, n is the number of compounding periods per year, and t is the number of years.
For regular deposits, the calculator works month by month so that different contribution frequencies, timing, inflation and fees can be handled more clearly.
FAQ