Compound interest calculator with optional regular contributions. See how a savings account, retirement fund, or investment grows over years with monthly compounding.

Compound interest is what makes long-term saving worth it — your interest earns interest, which earns interest, etc. A $5,000 deposit at 7% annual return becomes $19,348 in 20 years (with no further deposits). Adding $200/month brings it to $124,548. The graph shows how dramatically the contribution-vs-growth ratio shifts over time.

Defaults to monthly compounding (matches most savings accounts). For something like an annuity that compounds quarterly, adjust accordingly. Inflation isn't subtracted — the result is nominal, not real.

Like every tool on Buncha, this one runs entirely in your browser. There's no upload, no log, no record of what you've pasted or generated. Close the tab and the data is gone.

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