4%
Final capital
€94,679.58
Money
Compound interest calculator
Estimate how savings may grow with regular contributions and reinvested returns.
Calculator
Project the estimated growth of an investment with contributions at the end of each period.
€
€
%
years
Result
Final capital€122,759.08
Money contributed€58,000.00
Interest generated€64,759.08
Return achieved111.65%
Return scenarios
Compare the same capital and contributions with constant annual returns of 4%, 7% and 10%.
7%
Final capital
€140,204.12
10%
Final capital
€210,926.85
| Year | Capital contributed | Interest | Total capital |
|---|---|---|---|
| 1 | €12,400.00 | €665.31 | €13,065.31 |
| 2 | €14,800.00 | €1,514.53 | €16,314.53 |
| 3 | €17,200.00 | €2,558.71 | €19,758.71 |
| 4 | €19,600.00 | €3,809.54 | €23,409.54 |
| 5 | €22,000.00 | €5,279.41 | €27,279.41 |
| 6 | €24,400.00 | €6,981.48 | €31,381.48 |
| 7 | €26,800.00 | €8,929.68 | €35,729.68 |
| 8 | €29,200.00 | €11,138.76 | €40,338.76 |
| 9 | €31,600.00 | €13,624.40 | €45,224.40 |
| 10 | €34,000.00 | €16,403.17 | €50,403.17 |
| 11 | €36,400.00 | €19,492.66 | €55,892.66 |
| 12 | €38,800.00 | €22,911.53 | €61,711.53 |
| 13 | €41,200.00 | €26,679.52 | €67,879.52 |
| 14 | €43,600.00 | €30,817.60 | €74,417.60 |
| 15 | €46,000.00 | €35,347.96 | €81,347.96 |
| 16 | €48,400.00 | €40,294.15 | €88,694.15 |
| 17 | €50,800.00 | €45,681.10 | €96,481.10 |
| 18 | €53,200.00 | €51,535.27 | €104,735.27 |
| 19 | €55,600.00 | €57,884.69 | €113,484.69 |
| 20 | €58,000.00 | €64,759.08 | €122,759.08 |
How it works
- Enter the initial capital.
- Add a monthly or yearly contribution.
- Enter expected return and time horizon.
- Review the result, chart and yearly breakdown.
Practical example
With €10,000 initially, €200 per month, a 6% annual return and 20 years, estimated capital exceeds €120,000.
Formula and explanation
Without contributions, the basic formula is final capital = initial capital × (1 + return) raised to the number of periods.
Each contribution is added at the end of its period and grows from that point.
The table separates contributed money from accumulated interest.
Frequently asked questions
What is compound interest?
It is growth produced when returns stay invested and generate further returns.
When are contributions added?
At the end of each month or year, depending on the selected frequency.
Does it include tax and inflation?
No. The result is gross and does not deduct taxes, fees or inflation.