Compound Interest Calculator

See how regular contributions and compounding build a balance over time.

Your details

Initial amount

Contribution each year

Annual return

Number of years

yrs

Balance vs what you put in

BalanceContributed

Final balance

$243,674

Total contributed$110,000
Total growth$133,674
Final balance$243,674
Growth for every $1 contributed1.22

Time does most of the work here. Try changing the number of years before you change the return — the years usually move the result more, and they are the part you can actually control.

Put a plan behind the numbers

This calculator gives a general estimate only. It is not personal financial, credit or tax advice and does not take your objectives or circumstances into account.

What this calculator assumes

The return entered is assumed to be earned every year without variation. Real investment returns rise and fall, sometimes sharply, and are never guaranteed.
Contributions are made once a year at the end of the year, and interest compounds annually.
Results are not adjusted for inflation, tax or fees, all of which reduce what the final balance is actually worth to you.
This is a general illustration of compounding only, and is not personal financial advice or a projection of any particular investment.
Rates and thresholds current as at July 2026.

This calculator provides a general estimate only. It is not personal financial, credit or taxation advice and does not take your objectives, financial situation or needs into account. Counting Beans A.F. provides financial advice under AFSL 491754 (D&M Financial Services Pty Ltd) and credit assistance under Credit Representative number 528884. Please read our Financial Services Guide and Credit Guide, and speak with us before acting on any result.

Compound Interest Calculator

Your details

What this calculator assumes

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