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Interest Calculator

Calculate simple and compound interest with visual comparison.

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Total

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Interest

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Invested

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Multiplier

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Projection simulator

Principal and contributions

Initial principal ($)

Monthly contribution ($)

Rate and term

Annual rate (%)

Term (years)

Fill in the parameters

Click "Project wealth" to simulate.

§ How to use

Calculate simple or compound interest, with an optional monthly contribution, and see how the balance grows over time.

Choose simple or compound
Compound is the standard for savings, CDs and stocks. Simple appears in some older notes and teaching examples.
Enter principal, rate and term
Initial principal, rate (% per year or month) and term in months or years. Add monthly contributions for a recurring investment.
See the growth chart
A month-by-month chart shows the exponential curve of compound interest vs the linear line of simple — the visual makes the effect clear.