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Kordu Tools

Compound Interest Calculator

Project how your savings grow over time with compound interest, monthly contributions, and different compounding frequencies.

Investment details

Future value£302,370.09
Total contributions£130,000.00
Total interest earned£172,370.09

Growth over time

Contributions
Interest earned

Year-by-year breakdown

YearStart balanceContributionsInterestEnd balance
110,000.006,000.00955.3416,955.34
216,955.346,000.001,458.1424,413.48
324,413.486,000.001,997.2932,410.77
432,410.776,000.002,575.4140,986.18
540,986.186,000.003,195.3350,181.52
650,181.526,000.003,860.0660,041.58
760,041.586,000.004,572.8570,614.43
870,614.436,000.005,337.1681,951.59
981,951.596,000.006,156.7294,108.31
1094,108.316,000.007,035.54107,143.85
11107,143.856,000.007,977.88121,121.72
12121,121.726,000.008,988.34136,110.06
13136,110.066,000.0010,071.84152,181.91
14152,181.916,000.0011,233.68169,415.59
15169,415.596,000.0012,479.50187,895.09
16187,895.096,000.0013,815.39207,710.48
17207,710.486,000.0015,247.84228,958.32
18228,958.326,000.0016,783.85251,742.18
19251,742.186,000.0018,430.90276,173.08
20276,173.086,000.0020,197.01302,370.09

How to use

  1. 1

    Enter your investment details

    Type your initial investment, monthly contribution, annual interest rate, and time period in years.

  2. 2

    Choose compounding frequency

    Select daily, monthly, quarterly, or annually to see how compounding frequency affects your returns.

  3. 3

    Review the results

    See your projected future value, total contributions, and total interest earned at a glance.

  4. 4

    Explore the breakdown

    Scroll through the year-by-year table and growth chart to understand how your money grows over time.

Frequently asked questions

What is compound interest?
Compound interest is interest calculated on both the initial principal and the accumulated interest from previous periods. It causes your money to grow faster than simple interest because you earn interest on your interest.
Does compounding frequency matter much?
More frequent compounding produces slightly higher returns because interest is added to the principal sooner. The difference between monthly and daily compounding is typically small, but annual vs monthly can be noticeable over long periods.
Is this adjusted for inflation?
No. The calculator shows nominal growth. To approximate real (inflation-adjusted) returns, subtract the expected annual inflation rate from the interest rate you enter.
Is my data sent anywhere?
No. All compound interest calculations happen entirely in your browser. Nothing is uploaded, stored, or logged.

Enter an initial investment, monthly contribution, annual interest rate,

and time period to see your projected future value. Choose from daily,

monthly, quarterly, or annual compounding. Results show total

contributions, total interest earned, and the final balance. A visual

growth chart illustrates how contributions and interest stack up over

time, and a year-by-year breakdown table details every year's opening

balance, contributions, interest, and closing balance. All calculations

run in your browser with nothing sent to any server.

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