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📈 Compound Interest Calculator
Calculate compound interest on savings or investments. Choose compounding frequency and growth duration.
Compound Interest Calculator
Model savings growth with compounding frequency, recurring contributions, and inflation-adjusted projections.
Future value£1,647.01
Total interest£647.01
Total contributions£0.00
Inflation-adjusted value£1,351.12
Year-by-year projection
| Year | Balance | Contributions | Interest earned |
|---|---|---|---|
| 1 | £1,051.16 | £0.00 | £51.16 |
| 2 | £1,104.94 | £0.00 | £104.94 |
| 3 | £1,161.47 | £0.00 | £161.47 |
| 4 | £1,220.90 | £0.00 | £220.90 |
| 5 | £1,283.36 | £0.00 | £283.36 |
| 6 | £1,349.02 | £0.00 | £349.02 |
| 7 | £1,418.04 | £0.00 | £418.04 |
| 8 | £1,490.59 | £0.00 | £490.59 |
| 9 | £1,566.85 | £0.00 | £566.85 |
| 10 | £1,647.01 | £0.00 | £647.01 |
How to use this tool
- Set principal, rate, time horizon, and compounding frequency.
- Add monthly contributions and inflation assumptions.
- Review year-by-year balances and export projection data.
Planning usage
- Projection rows help compare conservative vs aggressive assumptions.
- Inflation-adjusted value highlights real purchasing power.
- Contribution modeling shows the long-term effect of consistent deposits.
Interpretation
- Outputs do not include tax, fees, or market volatility.
- Higher compounding frequency slightly increases future value at the same nominal rate.
- Scenario analysis is recommended before committing to financial targets.
FAQ
- Is this investment advice?
- No. It is a projection tool for planning and education.
- Does it support recurring contributions?
- Yes. Monthly contributions are distributed across compounding periods.
- Can I export the schedule?
- Yes. Download CSV for yearly projections or JSON for full report metadata.
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