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Compound Interest Calculator — With Deposits

Compound interest with any frequency plus recurring deposits — future value, interest and contributions. Client-side.

Free No signup Client-side Privacy friendly Updated

How to use

  1. 1 Enter your principal, annual interest rate, number of years and compounding frequency.
  2. 2 Optionally add a recurring deposit per compounding period.
  3. 3 See the future value, total interest, and how much you contributed.

Why use this tool

  • Compound interest with any frequency, plus recurring deposits.
  • Separates growth from interest from your contributions.
  • Runs entirely in your browser.

Frequently asked questions

What is the compound interest formula?

A = P(1 + r/n)^(nt), where P is the principal, r the annual rate, n the compounding frequency, and t the number of years.

How are recurring deposits included?

Each deposit grows for the remaining periods: the future value of the deposit stream is added using FV = d·((1+i)ⁿ − 1)/i, with i = r/n.

What does compounding frequency change?

More frequent compounding (e.g. daily vs annually) earns slightly more, because interest is added — and itself earns interest — more often.

Is this financial advice?

No — it’s a calculator. Actual returns vary, and it ignores taxes, fees and inflation.

What is Compound Interest Calculator?

A compound interest calculator projects the future value of savings using A = P(1 + r/n)^(nt), optionally adding recurring deposits, and shows how much of the growth is interest.

Features

Compounding frequencies

Annual, semi-annual, quarterly, monthly, weekly, or daily compounding.

Regular deposits

Adds recurring contributions to model savings growth over time.

Free & private

Runs on your device — nothing is uploaded.

Example

Input

$1,000 at 5%/yr, monthly, 10 years

Output

Future value ≈ $1,647.01

Common use cases

  1. 1

    Plan savings growth

    See what a deposit grows to over years of compounding.

  2. 2

    Compare accounts

    Check how frequency and rate affect the final balance.

  3. 3

    Model investments

    Estimate future value with regular contributions.

Summary

Zerethon's compound interest calculator projects the future value of a principal with periodic compounding and optional regular deposits, in your browser. Choose the rate, term, and compounding frequency (annual to daily). Everything runs client-side — nothing is uploaded.

Category
Finance
Pricing
Free
Privacy
Browser-based
Signup
Not required

References

Privacy

Your data never leaves your browser unless explicitly stated. Compound Interest Calculator runs entirely client-side — no server upload, no logging, no tracking of your input.

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