Compound Interest Calculator

Compound Interest Calculator

See the power of compounding over time. Model investments, savings accounts, ETFs, and term deposits with regular contributions.

See your growth ↓ tap to jump
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Investment details

Initial investment
$
Regular contribution
$
Contribution frequency
Annual return rate
8%
1% (savings)8% (ETF est.)20% (high risk)
Investment period
20 yrs
1 yr20 yrs50 yrs
Compounding
Inflation adjustment
%
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Year-by-year breakdown

Year Contributions Interest earned Balance Real value
Final balance
$496,450
after 20 years at 8%
In today's dollars
$307,744
Total contributed
—
Interest earned
—
compounding magic
Return on investment
—
total ROI
Average annual
—
interest per year
Monthly income
—
at 4% drawdown
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Growth over time

Interest earned
Contributions
Rule of 72
9 years
to double your money at 8% return
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General information only — not financial advice. Investment projections are illustrative estimates only. Past performance is not a reliable indicator of future returns. Actual returns will vary depending on the investment, fees, taxes, and market conditions. Australian Life Costs does not hold an AFSL. This tool does not constitute a recommendation to invest. Before investing, consider your risk tolerance and speak with a licensed financial adviser. Find a licensed adviser →
Last updated: July 2025 Sources: RBA · ASIC