Compound interest calculator

    What a steady return actually becomes

    Project a starting balance forward at a chosen annual return, with or without contributions, and see the growth year by year.

    Ending balance
    $21,589.25
    Growth on contributions
    $11,589.25
    YearBalance
    1$10,800
    2$11,664
    3$12,597.12
    4$13,604.89
    5$14,693.28
    6$15,868.74
    7$17,138.24
    8$18,509.3
    9$19,990.05
    10$21,589.25

    What the inputs mean

    Starting balance
    Capital invested today.
    Annual return
    Compounded yearly rate.
    Years
    Length of the projection.
    Added per year
    Contribution made at the end of each year.

    Formula

    balanceₙ = balanceₙ₋₁ × (1 + rate) + contribution

    Worked example

    $10,000 at 8% for 10 years, no contributions$21,589.

    Questions people ask

    Is this the same as CAGR?

    It is the inverse. This grows a balance from a known rate; the CAGR calculator derives the rate from a known start and end value.

    Limitations

    Every result here is arithmetic on the numbers you enter. It carries no view on any specific security, assumes returns are steady when real returns are not, and ignores taxes, slippage and commissions. Use it to size and sanity-check, not to forecast.

    Now run it on a real ticker

    Score any name free, then bring the number back here.

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    Autonium publishes research, not recommendations. Scores, factors and written reads describe historical and current data and are not buy or sell advice. Not financial advice. Market data is refreshed on a schedule and may lag. See our methodology and disclosures.