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Projects lump-sum growth from principal, rate, years and compounding frequency. Use when forecasting a one-time deposit; differs from sip-calculator by single deposit vs monthly contributions. Returns maturity value, interest and schedule. 100% client-side.
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Projects how a lump sum plus regular monthly contributions grows over time with compound interest. Shows the matured value, the total amount contributed, and the interest earned on top, so you can see exactly how much of the final balance is your own money versus growth.
Compound interest is the engine behind long-term saving, but the numbers are easy to underestimate. A calculator turns the compound growth formula into an instant projection so investors can see what small monthly amounts become over decades.
This tool is part of the DevStackIO platform — a collection of free online developer tools from DevStackIO. Browse more free developer resources on DevStackIO.
Long-term savers, retirement planners, students learning about investing, financial advisors, and anyone comparing lump-sum deposits against systematic monthly investing.
Enter your starting amount in Initial amount
Add a monthly contribution to model ongoing savings, or set it to 0 for a pure lump sum
Set the expected annual interest rate in percent
Choose the number of years you will let it grow
Read the matured value, total contributed, and interest earned
Adjust any input and watch the projection update so you can test scenarios
$10,000 initial, $500/month at 7% for 10 years → ~$107,000 matured$0 initial, $200/month at 8% for 30 years → ~$298,000 matured$50,000 initial, $0/month at 5% for 20 years → ~$135,600 matured$10,000 initial, $500/month at 7% for 30 years → ~$150,000 contributed but ~$650,000+ matured thanks to compoundingDoes this tool support multiple currencies?
Yes, select your currency from the dropdown. All calculations run locally in your browser.
Does this assume the rate compounds monthly?
Yes, interest is compounded monthly by default.
Is this financial advice?
No, it is a projection purely for planning; always consult a qualified advisor.
Do I have to enter a monthly contribution?
No, set it to 0 to model a single lump sum.
Is my data sent anywhere?
No, all calculations run in your browser.
Why does the interest column grow so much in year 20?
Because each year's interest is earned on all previous interest, so growth accelerates over time.
What rate should I use?
Historically, diversified long-term equity has returned roughly 7-10% nominal annually, but past performance does not guarantee future results.
Authoritative specifications, standards, and in-depth reading for Compound Interest Calculator.
Matured value
$107,143.85
Total invested
$70,000.00
Interest earned
$37,143.85
Compounding monthly at 7% p.a. for 10 years. Projection only, not financial advice.
Not financial advice
The results from this calculator are provided for general informational and educational purposes only. They are estimates based on the assumptions you enter and do not constitute financial, tax, legal, or investment advice, nor a recommendation to buy, sell, or hold any financial product. Tax codes, rates, and regulations change frequently and vary by country, state, and local jurisdiction — and may differ based on your individual circumstances, employer plan rules, and provider policies. Always verify the figures with current official sources and consult a qualified financial, tax, or legal professional before making any financial decision. All calculations run privately in your browser; nothing you enter is sent to our servers.
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