Compound Interest Calculator

This is an illustration of how interest compounding over time can make a huge difference in your investment.

Please note that this tool is only a demonstration of how compound interest works. The results in real life will vary depending on:

How frequent interest is calculated. The tool calculates interest annually.
ROI at the time of interest calculation.

Please also keep in mind that the value of your investment depends on inflation and currency.

Let's Get Started!

You've decided to commit yourself and invest into your retirement savings every year for the next 40 years.

(Please only enter numerical numbers into the fields below, no commas, periods, decimals, or the $ sign)

How much are you willing to invest a year for years 1 to 10?	$
Enter the average ROI for years 1 to 10?	%

How much are you willing to invest a year for years 11 to 20?	$
Enter the average ROI for years 11 to 20?	%

How much are you willing to invest a year for years 21 to 30?	$
Enter the average ROI for years 21 to 30?	%

How much are you willing to invest a year for years 31 to 40?	$
Enter the average ROI for years 31 to 40?	%

Important about ROI: Unless you completely take out all of your investment, there is still ROI even if you are not contributing.

For example, if you decide not to contribute into your investment from years 11 to 20, enter the dollar amount 0. But your investment is still growing at a certain ROI.