Future value
Target amount
Target date
Compound Interest Calculator
Plan savings goals in three modes — future value, target amount, and target date — all running locally in your browser.
Modes
3 planners
Switch instantly with tabs
Frequencies
Yearly → Daily
Fine-tune compounding & contributions
Exports
CSV
Take the 12-row schedule with you
No sign-up. Works offline after the first load.
Savings planner
Select a mode to calculate growth, required contributions, or time to reach your goal.
Future value
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Total contributed
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Total interest
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Required contribution
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Total contributed
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Total interest
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Estimated time
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Total contributed
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Total interest
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Turn projections into action
Experiment with contributions
- Increase recurring contributions until the timeline fits your goal date.
- Try lump-sum deposits by adding them as one-time contributions in the schedule export.
- Run monthly, biweekly, and weekly contributions to match paycheck cadence.
Understand the growth
- Compare total interest between modes to see how timing affects results.
- Remember that all numbers are estimates — re-run as APRs change.
- Use the schedule to track progress in your budgeting or portfolio tracker.
FAQ
Compound vs simple interest
Compound interest adds interest on interest each period, while simple interest only applies to principal. This planner models compound interest.
Contribution timing (end vs beginning)
Beginning-of-period contributions grow one extra interval. Switch between options to see the difference.
APR vs APY
APR is the nominal annual rate. APY folds in compounding. Choose the compounding frequency that matches your account to approximate APY.
Can I include withdrawals?
Yes. Enter contributions as negative numbers to model withdrawals or planned spending.