SuperCalc

    Compound Interest Calculator

    Calculate the power of compound interest over time with regular contributions. See how your money can grow exponentially through consistent investing.

    Investment Details

    Final Results

    Final Balance
    $300,850.72
    Total Contributions
    $130,000.00
    Interest Earned
    $170,850.72

    Growth Analysis

    Effective Annual Rate18.55%
    Total Return131.4%
    Interest vs Contributions131.4%
    Growth Breakdown:
    Your Money:$130,000.00
    Interest Earned:$170,850.72

    Key Insights

    Money Multiplier
    Every dollar you invest today becomes $2.31 in 20 years.
    Time Value
    The power of compound interest earned you $170,850.72 on your $130,000.00 investment.

    Compartilhar Calculadora

    How It Works

    Compound interest is often called the "eighth wonder of the world" because of its remarkable power to grow wealth over time. Unlike simple interest, compound interest earns returns not just on your original investment, but also on all the interest you've accumulated in previous periods.

    The magic happens when you combine compound interest with regular contributions. Each new contribution starts earning interest immediately, and that interest compounds along with your existing balance. The earlier you start and the more consistently you contribute, the more dramatic the growth becomes.

    This calculator shows you the true power of time and consistency in building wealth. Even small amounts invested regularly can grow into substantial sums over decades, thanks to the exponential nature of compound growth.

    Practical Examples

    Example: Starting Early (Age 25)

    • • Initial: $10,000
    • • Monthly: $500 for 40 years
    • • Rate: 7% annually
    • • Result: ~$1.37 million
    • • Total contributions: $250,000

    Example: Starting Later (Age 40)

    • • Initial: $10,000
    • • Monthly: $500 for 25 years
    • • Rate: 7% annually
    • • Result: ~$432,000
    • • Total contributions: $160,000

    Frequently Asked Questions

    Start Early: Time is your most powerful ally. Starting 10 years earlier can double or triple your final balance.

    Be Consistent: Regular contributions, even small ones, can have a massive impact over time.

    Reinvest Returns: Let your dividends and capital gains compound by reinvesting them automatically.

    Stay Patient: Compound growth accelerates over time. The biggest gains often come in the later years.