About This Tool

This calculator shows how investments grow through compound interest and regular contributions. It's designed for anyone planning savings, retirement, or investment goals.

100% Client-Side

All calculations run entirely in your browser. No financial data is sent to any server. There is no backend, no database, and no tracking.

The Math

The calculator iterates through each compounding period, applying the formula: balance = balance × (1 + rate/n) + contribution, where n is the number of compounding periods per year. This produces exact results for any combination of principal, contributions, rate, and frequency.

The Chart

The stacked bar chart shows contributions (purple) and interest earned (green) for each year. As time passes, the interest portion grows relative to contributions — this is the visual signature of compound growth.

Disclaimer

This tool is for educational and planning purposes only. It does not account for taxes, inflation, fees, or variable returns. Actual investment results will vary. Consult a financial advisor for investment decisions.

Contact

Questions or feedback? Reach us at the feedback link in the navigation.