Compound Interest Calculator: How Your Savings Grow
See where regular saving can get with compound growth, and view the same result adjusted for inflation.
For information only — not investment advice, and no return is guaranteed.
Compound interest calculator
Final balance
$120,855.70
Total contributed
$53,000.00
Growth
$67,855.70
In today's money
$73,754.72
Adjusted for the inflation you entered
For information only — not credit, investment or tax advice.
With compound growth, returns earn returns too: over longer periods most of the balance comes from growth rather than contributions. This calculator grows your starting amount and monthly contributions at the annual return you enter, compounded monthly, and shows the final balance, total contributed and growth separately.
A nominal figure alone can mislead when prices rise, so you can also enter expected inflation to see the result in today's money. The return rate is your assumption; no investment guarantees a particular return. Everything runs in your browser, and you can ask Ryna to compare scenarios or explain the result.
How it works
- 1
Enter start and monthly amounts
Type what you have saved now and what you can add each month.
- 2
Add return, years and inflation
Enter the annual return you assume, the number of years and expected inflation.
- 3
Compare the results
Final balance, contributions and real value update instantly; ask Ryna to compare scenarios.
Why Ryna AI
- Compound growth: the starting amount and monthly contributions compound monthly.
- Real value: add expected inflation to see the balance in today's money.
- Clear breakdown: total contributed and growth are shown separately.
- Private: the calculation runs in your browser; nothing is stored.
Frequently asked questions
How is compound interest calculated?
Each period's return is added to the balance and earns returns in the next period. The calculator converts the annual rate into a monthly compound rate and grows the starting amount and each end-of-month contribution at that rate.
What does inflation-adjusted value mean?
It shows what the future balance would buy at today's prices. The final amount is discounted over the period by the annual inflation you enter.
Is the calculated return guaranteed?
No. The return rate is your assumption; returns on deposits, funds and other investments change over time and losses are possible. Taxes and fees are not included.