Compound interest calculator
Money that earns a return also earns a return on that return. Enter what you start with, what you add each month and the return you expect, and see how the total builds up over time.
%
Before inflation. Long-run stock market averages have been around 6-8%.
Up to 60
%
Used only for the value in today's money
Value after 20 years
292,465
You put in
130,000
Growth on top
162,465
In today's money, with 3.0% yearly inflation, the final value is worth about 161,931. Growth makes up 56% of the final value.
Year by year
| Year | Put in | Value | In today's money |
|---|---|---|---|
| 1 | 16,000 | 16,890 | 16,398 |
| 2 | 22,000 | 24,263 | 22,870 |
| 3 | 28,000 | 32,151 | 29,423 |
| 4 | 34,000 | 40,592 | 36,065 |
| 5 | 40,000 | 49,623 | 42,806 |
| 6 | 46,000 | 59,287 | 49,652 |
| 7 | 52,000 | 69,627 | 56,614 |
| 8 | 58,000 | 80,692 | 63,699 |
| 9 | 64,000 | 92,530 | 70,917 |
| 10 | 70,000 | 105,197 | 78,277 |
| 11 | 76,000 | 118,751 | 85,788 |
| 12 | 82,000 | 133,254 | 93,462 |
| 13 | 88,000 | 148,772 | 101,307 |
| 14 | 94,000 | 165,376 | 109,333 |
| 15 | 100,000 | 183,143 | 117,552 |
| 16 | 106,000 | 202,153 | 125,975 |
| 17 | 112,000 | 222,494 | 134,612 |
| 18 | 118,000 | 244,258 | 143,476 |
| 19 | 124,000 | 267,547 | 152,578 |
| 20 | 130,000 | 292,465 | 161,931 |
Results are projections from a constant yearly return. Real returns vary from year to year and can be negative. For information and education only, not investment advice.