Compound Interest Calculator
See how savings grow with compound interest and monthly or yearly deposits: final balance, interest earned, a growth chart and a yearly table.
- No uploads
- No limits
- No signup
- Total deposits
- Interest earned
Year by year
| Year | Deposits | Interest | Total deposits | Balance |
|---|---|---|---|---|
| 1 | $2,400.00 | $801.42 | $12,400.00 | $13,201.42 |
| 2 | $2,400.00 | $1,032.85 | $14,800.00 | $16,634.27 |
| 3 | $2,400.00 | $1,281.01 | $17,200.00 | $20,315.28 |
| 4 | $2,400.00 | $1,547.11 | $19,600.00 | $24,262.39 |
| 5 | $2,400.00 | $1,832.45 | $22,000.00 | $28,494.83 |
| 6 | $2,400.00 | $2,138.41 | $24,400.00 | $33,033.24 |
| 7 | $2,400.00 | $2,466.49 | $26,800.00 | $37,899.74 |
| 8 | $2,400.00 | $2,818.29 | $29,200.00 | $43,118.03 |
| 9 | $2,400.00 | $3,195.52 | $31,600.00 | $48,713.55 |
| 10 | $2,400.00 | $3,600.02 | $34,000.00 | $54,713.58 |
| 11 | $2,400.00 | $4,033.77 | $36,400.00 | $61,147.34 |
| 12 | $2,400.00 | $4,498.86 | $38,800.00 | $68,046.20 |
| 13 | $2,400.00 | $4,997.58 | $41,200.00 | $75,443.79 |
| 14 | $2,400.00 | $5,532.35 | $43,600.00 | $83,376.14 |
| 15 | $2,400.00 | $6,105.79 | $46,000.00 | $91,881.93 |
| 16 | $2,400.00 | $6,720.67 | $48,400.00 | $101,002.60 |
| 17 | $2,400.00 | $7,380.00 | $50,800.00 | $110,782.60 |
| 18 | $2,400.00 | $8,087.00 | $53,200.00 | $121,269.60 |
| 19 | $2,400.00 | $8,845.11 | $55,600.00 | $132,514.70 |
| 20 | $2,400.00 | $9,658.02 | $58,000.00 | $144,572.72 |
- Input:
- Amount · Percentage
- Output:
- Amount · CSV
- Runs on:
- Your device
- Size limit:
- None
- Account:
- Not needed
How to use Compound Interest Calculator
Enter your savings
Type the amount you start with and how much you will add every month or every year, and choose whether deposits go in at the start or the end of each period.
Set the rate and time
Enter the yearly interest rate, how many years to save, and how often the interest compounds.
See how it grows
Read the final balance and how much of it is interest, follow the chart and the year-by-year table, and download the table as CSV.
Why Compound Interest Calculator on Toolshed
No uploads
Everything runs in this browser tab. Your files never leave your device.
No limits
No file-size caps, no daily quotas. Process as much as your device can handle.
No signup
No account, no email, no watermark.
Frequently asked questions
How is compound interest calculated?
The balance grows by (1 + r/n) raised to n·t, where r is the yearly rate, n how often interest compounds and t the years. Regular deposits are added as they happen and earn interest from then on. The numbers are calculated in your browser; nothing is sent anywhere.
How much does the compounding frequency matter?
More frequent compounding earns slightly more: 1,000 at 5% for 10 years becomes 1,628.89 compounded yearly and 1,647.01 compounded monthly. The rate matters far more than the frequency.
Should deposits be at the start or the end of the period?
Deposits at the start of each month or year earn interest for that period too, so the final balance is a little higher. Pick the option that matches when your money actually goes in.
Are my files uploaded anywhere?
No. Compound Interest Calculator runs entirely in your browser. Your files are processed on your device and are never sent to a server.
Is there a file size limit?
No fixed limit. The only limit is your device's memory. Very large files work best in a desktop browser.
Is Compound Interest Calculator really free?
Yes. There's no account and no watermark. A short optional ad, or a 20-second wait, unlocks each download. That's how we keep it free.