Project your wealth with compound interest, plan contributions, and see how your money grows over time. Free, powerful tools for smart financial planning.
Building wealth comes down to a few simple ideas done consistently: invest regularly, let compound interest work, and give it time. Our investment calculators help you visualize exactly how your money can grow — so you can set realistic goals and stay motivated to reach them.
Project compound interest growth with an initial amount, monthly contributions, and expected return. Includes a growth chart, contributions vs. interest breakdown, and year-by-year table.
Most PopularOn the borrowing side of finance? Calculate your car payment, total interest, and amortization schedule before you buy.
RelatedIt's hard to stay motivated saving small amounts when the payoff is decades away. An investment calculator makes the future tangible — it shows you that $500 a month really can become hundreds of thousands of dollars, and that the boring habit of consistent investing is genuinely powerful. Seeing the numbers helps you commit.
It also helps you plan realistically. By adjusting your contributions, return rate, and time horizon, you can find a path to your goal — whether that's retirement, a house down payment, or financial independence — and understand the tradeoffs between saving more, earning more, or investing longer.
| $300/month at 7% | Total Invested | Future Value |
|---|---|---|
| After 10 years | $36,000 | ~$52,000 |
| After 20 years | $72,000 | ~$157,000 |
| After 30 years | $108,000 | ~$367,000 |
| After 40 years | $144,000 | ~$787,000 |
Notice how the gap between what you invest and what you end up with grows dramatically over time. That gap is compound interest. Use our Investment Calculator to model your own numbers.
For full projections and money-growing insights, use our Investment Calculator.
Yes, completely free with no signup. All calculations run in your browser and no data is stored or transmitted.
The calculator shows pre-tax, nominal growth. To roughly account for inflation, subtract your expected inflation rate (2-3%) from your return. Taxes depend on your account type — tax-advantaged accounts like IRAs and 401(k)s change the picture significantly.
No. The calculator uses an assumed return rate you enter, but real investment returns vary and are never guaranteed. Markets go up and down. Use conservative estimates for planning and remember that past performance doesn't predict future results.
An investment projection shows how contributions compound; a retirement projection takes that nest egg and asks what income it can sustainably provide. Use our investment calculator for the growth side and the retirement calculator for the withdrawal side, since the two answer different halves of the same question.
See how compound interest can grow your money over time. Free, instant, and eye-opening.
Open Investment Calculator →Compound interest is straightforward arithmetic that produces counterintuitive results. Because each period's returns generate their own returns, growth accelerates rather than proceeding in a straight line. Over a few years the effect is modest; over decades it dominates everything else.
This is why the two most important variables in any long-term projection are the rate of return and the length of time, and why time is generally the one you have more control over. Increasing a contribution helps linearly; extending the horizon helps exponentially.
| Annual Return | Years to Double | Basis |
|---|---|---|
| 4% | About 18 years | Rule of 72 |
| 6% | About 12 years | Rule of 72 |
| 7% | About 10.3 years | Rule of 72 |
| 9% | About 8 years | Rule of 72 |
| 12% | About 6 years | Rule of 72 |
Dividing 72 by your annual return rate gives an approximate number of years for money to double. It is an approximation rather than an identity, but it is accurate enough for typical rates and useful for sanity-checking any projection you are shown.
A projection showing a large future value is not a prediction that you will have that amount. It is a statement that this is the arithmetic result if the assumed rate holds for the assumed period. Markets do not deliver smooth annual returns, and a sequence of poor years early on affects outcomes differently from the same years later.
The practical response is to run several scenarios rather than one, and to note what your plan looks like under the conservative assumption rather than only the optimistic one. If a plan only works at nine percent, that is worth knowing in advance.