Compound growth
Explore a starting amount and monthly deposits.
Illustration only. The annual rate is divided by 12 and compounds monthly. Deposits arrive at each month end. Returns are constant; fees, taxes and inflation are excluded. Actual returns can be negative.
Common questions
How does this compound interest calculator handle monthly deposits?
It applies a constant monthly rate equal to the annual rate you enter divided by twelve. The starting balance grows throughout the period, and regular deposits are added at the end of each month. The result is a scenario based on those assumptions; actual investment returns can vary.
What is the difference between contributions and growth?
Contributions are the starting balance plus the monthly amounts you add. Growth is the simulated final value minus those contributions. A negative growth figure represents a loss under the rate you entered; adding money to the account is not itself an investment gain.
Why can another compound interest calculator give a different result?
Check the compounding frequency, deposit timing and treatment of the annual rate. This calculator uses monthly compounding and end-of-month deposits. Fees, tax and inflation are not deducted automatically. Comparing results is meaningful only when these assumptions match.
Does the example interest rate predict future returns?
No. The starting rate is an editable example, not a forecast or a promised return. You can compare lower, zero or negative rates to see how sensitive the outcome is. The displayed amount is nominal and does not show its future purchasing power.
Sources and further reading
A global market. Local rules.
Check the authority responsible for your country and the legal entity providing the service. Keep purchase, sale, swap and transfer records. Your tax residence and the product you use determine which guidance applies; the links below are general starting points.