Compound Interest

Project future value with one-time principal and optional recurring contributions. Choose compounding frequency, contribution timing, and see a full monthly schedule.

Initial Principal

Annual Rate (APR %)

Compounding

Term

Monthly Contribution (optional)

Contribution Timing

Annual Contribution Increase (optional)

Applied once every 12 months to the monthly contribution.

Start Date (optional)

Monthly Balance Schedule

#	Date	Contribution	Interest	Balance

Compound Interest FAQ

How is APY computed?

APY reflects effective annual yield: for compounding m times per year, APY = (1 + APR/m)^m − 1. For continuous compounding, APY = e^APR − 1.

When are contributions applied?

You can choose beginning or end of month. Beginning-of-month contributions earn one extra month of interest.