Investment
Compound interest calculator
Simulate how capital grows with compound interest and regular contributions
Final balance
20.097 €
Total paid in
10.000 €
Interest earned
10.097 €
Growth year by year (first 10 years)
Year 1
10.723 €
Year 2
11.498 €
Year 3
12.329 €
Year 4
13.221 €
Year 5
14.176 €
Year 6
15.201 €
Year 7
16.300 €
Year 8
17.478 €
Year 9
18.742 €
Year 10
20.097 €
Year by year detail
| Anno | Balance | Interest that year | Total paid in |
|---|---|---|---|
| 1 | 10.723 € | 723 € | 10.000 € |
| 2 | 11.498 € | 775 € | 10.000 € |
| 3 | 12.329 € | 831 € | 10.000 € |
| 4 | 13.221 € | 891 € | 10.000 € |
| 5 | 14.176 € | 956 € | 10.000 € |
| 6 | 15.201 € | 1025 € | 10.000 € |
| 7 | 16.300 € | 1099 € | 10.000 € |
| 8 | 17.478 € | 1178 € | 10.000 € |
| 9 | 18.742 € | 1264 € | 10.000 € |
| 10 | 20.097 € | 1355 € | 10.000 € |
FAQ
Frequently asked questions
What is worth knowing about compound interest
What is compound interest?
It is interest worked out on the starting capital and on the interest already earned. Unlike simple interest, the interest earns interest of its own, so growth becomes exponential rather than a straight line.
How often is it worth compounding?
The more often interest is compounded the higher the result, but the gap between monthly and daily is small. Monthly is the usual compromise, and it is what most funds work on.
What is the rule of 72?
It is a mental shortcut: divide 72 by the annual rate and you get the years needed to double the capital. At 7 per cent that is about 10.3 years. It holds well for rates between 3 and 25 per cent.