Your Net WorthCompound Interest
Project how a starting balance and regular contributions grow over time with compound interest. Move any slider to see the chart update.
Example: $10,000 starting balance, $500 monthly contributions, 7.00% annual return, over 20 years. Tap a tab to solve for a different missing number.
Advanced
How often interest is applied to the balance. Daily is a common option for daily compound calculators; it usually adds only a small amount versus monthly.
How often deposits are made. The monthly contribution slider is converted to match this schedule.
Portfolio growth over time
Future value
$300,851
After 20 years of $500 monthly contributions paid monthly at 7.00%.
Total contributions
$130,000
Principal plus deposits
Total growth
$170,851
Interest or investment returns
Year-by-year breakdown
| Year | Contributions | Value | Growth |
|---|---|---|---|
| 0 | $10,000 | $10,000 | $0 |
| 1 | $16,000 | $16,919 | $919 |
| 2 | $22,000 | $24,339 | $2,339 |
| 3 | $28,000 | $32,294 | $4,294 |
| 4 | $34,000 | $40,825 | $6,825 |
| 5 | $40,000 | $49,973 | $9,973 |
| 6 | $46,000 | $59,782 | $13,782 |
| 7 | $52,000 | $70,299 | $18,299 |
| 8 | $58,000 | $81,578 | $23,578 |
| 9 | $64,000 | $93,671 | $29,671 |
| 10 | $70,000 | $106,639 | $36,639 |
| 11 | $76,000 | $120,544 | $44,544 |
| 12 | $82,000 | $135,455 | $53,455 |
| 13 | $88,000 | $151,443 | $63,443 |
| 14 | $94,000 | $168,587 | $74,587 |
| 15 | $100,000 | $186,971 | $86,971 |
| 16 | $106,000 | $206,683 | $100,683 |
| 17 | $112,000 | $227,820 | $115,820 |
| 18 | $118,000 | $250,486 | $132,486 |
| 19 | $124,000 | $274,790 | $150,790 |
| 20 | $130,000 | $300,851 | $170,851 |
Not financial advice. The calculator assumes a fixed return, fixed contributions, and no taxes or fees. Your inputs stay in your browser.
Investing for dividends?
DividendMapper models the actual income your portfolio could produce. DividendMapper
Want to see the formulas, assumptions, and sources behind the numbers? Read the Compound Interest methodology.