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Investing & RetirementInvesting & Wealth
Compound Interest Calculator
See how money grows over time — and the true cost of starting later vs starting now.
Compound Interest Details
$10,000
$
$500
$
7%
%
Results
LiveFuture Value
$284,670
Total Contributions$130,000
Interest Earned$154,670
Future Value$284,670
Total Contributions$130,000
Interest Earned$154,670
How to use
Change one assumption at a time to see what moves the answer most.
Frequently Asked Questions
Everything you need to know.
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Why This Matters
Starting to invest at 25 vs 35 — with the same $500/month — produces $2.1 million less at retirement. Compound interest is the only financial force that accelerates rather than slows over time.
How to Use It
- 1Enter your starting balance (can be $0)
- 2Set your monthly contribution amount
- 3Enter expected annual return (S&P 500 historical: ~10%)
- 4Adjust time horizon to see the impact of starting earlier
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