CALCULATOR
Compound Interest Calculator
The most powerful concept in personal finance - visualized. Adjust the inputs and watch your money grow.
Your Numbers
FINAL BALANCE
After 20 years
TOTAL INVESTED
INTEREST EARNED
INVESTED VS INTEREST
START INVESTING
Put those numbers to work.
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Year-by-Year Breakdown
Why This Matters
You earn interest on your interest, not just the original deposit. That's it. The whole mechanism. And it sounds simple until you see the numbers. Starting at 25 instead of 35 - same monthly contribution, same rate - can produce 2-3x more money at retirement. Not because you invested more. Because you started earlier. Time is the one thing money can't replace.
RELATED READING
Compound Interest: The Eighth Wonder of the World
Why starting at 25 instead of 35 can produce 2-3x more money, even with identical contributions.