Compound Interest Calculator — Daily & Annual Growth
Calculate how your investment grows over time with compound interest. Enter your principal, rate, and time period to see your future value and total.
Compound Interest
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Your money grows 2.0× over 10 years: of the $20,096.61 total, $10,000.00 is what you put in and $10,096.61 (101%) comes from compounding. Compounding earns more than you contribute — time in the market is doing most of the work.
Total Principal Contributed (You)
$10,000.00
Total Interest Accrued (Market)
▲ $10,096.61
Total Growth on Contributions
▲ +100.97%
Scenario Comparison
Year-by-Year Breakdown
| Year | Balance | Interest Earned | Total Growth |
|---|---|---|---|
| 1 | $10,722.90 | +$722.90 | +7.2% |
| 2 | $11,498.06 | +$775.16 | +15.0% |
| 3 | $12,329.26 | +$831.20 | +23.3% |
| 4 | $13,220.54 | +$891.28 | +32.2% |
| 5 | $14,176.25 | +$955.71 | +41.8% |
| 6 | $15,201.06 | +$1,024.80 | +52.0% |
| 7 | $16,299.94 | +$1,098.89 | +63.0% |
| 8 | $17,478.26 | +$1,178.32 | +74.8% |
| 9 | $18,741.77 | +$1,263.51 | +87.4% |
| 10 | $20,096.61 | +$1,354.84 | +101.0% |
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Principal vs. Interest Growth Over 10 Years
At year 10, 50% of your total balance comes from compound interest — not your contributions. The market did most of the work for you.
Year-by-Year Breakdown
| Year | Contributed | Interest | Total |
|---|---|---|---|
| Year 0 | $10,000 | $0 | $10,000 |
| Year 1 | $10,000 | $723 | $10,723 |
| Year 2 | $10,000 | $1,498 | $11,498 |
| Year 3 | $10,000 | $2,329 | $12,329 |
| Year 4 | $10,000 | $3,221 | $13,221 |
| Year 5 | $10,000 | $4,176 | $14,176 |
| Year 6 | $10,000 | $5,201 | $15,201 |
| Year 7 | $10,000 | $6,300 | $16,300 |
| Year 8 | $10,000 | $7,478 | $17,478 |
| Year 9 | $10,000 | $8,742 | $18,742 |
| Year 10 | $10,000 | $10,097 | $20,097 |
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