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The compound interest calculator below, from The Finance Reveal, shows how your money can grow when regular contributions and compounding work together over time. Enter a starting amount, a monthly contribution, an expected annual return, and a number of years to see the projected balance.

How to use it

Start with what you have today, add what you plan to contribute each month, and choose a realistic annual return. The calculator projects your future balance and splits it into the money you contributed and the growth earned on top, so you can see the power of compounding for yourself.

Why compounding matters

Compounding means you earn returns not only on your original money but also on the returns it has already earned. Over years and decades, that effect becomes the largest driver of growth, which is why starting early matters far more than starting big. Small, steady contributions often beat large, occasional ones.

A realistic note on returns

The calculator uses a steady annual return, but real markets rise and fall. Use a sensible long-term figure rather than an optimistic one, and treat the result as a guide, not a promise. Our Investing section explains how to think about returns and risk.

Frequently asked questions

What return should I use?

Choose a conservative long-term estimate rather than a best-case number. Being cautious here keeps your plan realistic.

Does it account for inflation or tax?

No. The projection is before inflation and tax. Both reduce what your money is really worth or what you keep, so treat the figure as a gross estimate.

Can I use it for retirement savings?

Yes. It works well for any long-term goal. For retirement specifically, see our Retirement guides.

Related calculators and guides

See more tools in Financial Tools, or try our savings goal calculator and loan calculator. For guidance, visit Saving Money.