Compound Interest Calculator
Work out your future value with compound interest. Enter a starting amount, interest rate, years, how often it compounds, and optional regular contributions.
Future value
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Total contributed
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Total interest earned
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Without contributions: FV = P × (1 + r/n)n·t.
With contributions per period (PMT): FV = P × (1 + r/n)n·t + PMT × [((1 + r/n)n·t − 1)/(r/n)].
Copyable Excel & Google Sheets Formulas
Assume: A2 = Principal, B2 = Annual rate %, C2 = Years, D2 = Periods per year, E2 = Contribution per period.
=A2 * (1 + B2/100 / D2)^(D2*C2)
Future value (no contributions)
=A2*(1+B2/100/D2)^(D2*C2) + E2*(( (1+B2/100/D2)^(D2*C2) - 1 ) / (B2/100/D2))
Future value with contributions paid each period