Compound Interest Calculator

2 min

Estimate how savings can grow with regular contributions and compound returns.

GlobalNo account required

After 20 years

$264,122

You put in $130,000. The other $134,122 is growth. In today's money that balance is worth $177,747.

Growth overtakes your deposits in year 20

From then on the portfolio earns more than you put in, without you doing anything differently.

By year 20, growth is 51% of the balance.

How the balance builds

BalanceWhat you put in

$264K$132K$0K

NowYear 5Year 10Year 15Year 20

What makes up the final balance

Starting balance$10,0004%
What you contribute$120,00045%
Growth$134,12251%

If returns come in differently

Nobody gets the average every year. This is the same plan at other rates.

4% (-2%)$205,613

6% as entered$264,122

8% (+2%)$343,778

After inflation

$177,747

What $264,122 in 20 years buys in today's dollars at 2% inflation.

Nominal balance$264,122

Lost to inflation$86,376

Estimates are based on the information and assumptions you provide and are for educational purposes only. This is not financial, tax, legal or lending advice.

What this means

Of the $264,122 you end with, $134,122 is growth rather than money you put in — about 51% of the total.
At 2.00% inflation, that balance buys what $177,747 buys today.
Contributing at the start of each period instead of the end would give every deposit one extra period of growth.

Aim this at a specific goal

Assumptions & methodology

Returns are constant and reinvested, which real markets never are.
Contributions are made at the selected interval and timing.
No fees, taxes or withdrawals are included.

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