Calculator hub

Compound Interest Calculators by Goal and Search Intent

Choose the calculator that matches the question you are trying to answer. This hub separates growth calculators, goal calculators, rate calculators, frequency tools and retirement support tools.

Growth Goals Rate and frequency Retirement Examples

New priority calculator gaps

Comparison and gap calculators

These calculators were added from the competitor gap audit to cover comparison, present-value and scenario intent that the old site did not cover strongly.

Present value calculatorWork backwards from a future target to today’s required amount. ISA vs pension calculatorCompare simplified UK savings and pension growth paths. Debt vs investing calculatorCompare avoided interest against potential compound growth. Barista FIRE vs Coast FIRECompare early-retirement variants with income and coast assumptions. Latte factor calculatorTurn recurring expenses into long-term opportunity cost. Compound vs simple calculatorCompare principal-only interest against compounding.

Growth and future value calculators

Compound interest calculatorMain calculator with monthly contributions, compounding frequency and annual breakdown. Investment calculatorBest for investing scenarios with starting amount, regular deposits and expected return. Embed this calculatorPut the compound interest calculator on your own site, free. Future value calculatorCalculate the future value of a present amount using compound growth. Lump sum investment calculatorProject one investment without monthly deposits. Monthly compound interest calculatorFocused calculator for monthly compounding and recurring monthly contributions. Compound interest tableGenerate a year-by-year table for balance, contributions and interest.

Goal and milestone calculators

How much to invest monthly calculatorFind the monthly contribution needed to hit a target. Savings goal calculatorEstimate the deposit needed for a future savings goal. Millionaire calculatorEstimate the path to $1,000,000 using starting balance, time and return. How long to reach $100kEstimate time to reach a six-figure milestone. How long to reach $500kEstimate time to a larger compounding milestone. How much will I have at 65?Age-based scenario calculator.

Rate, frequency and comparison calculators

APY calculatorConvert APR and compounding frequency into APY. Effective annual rate calculatorCompare rates with different compounding schedules. Daily compound interest calculatorUse daily compounding assumptions. Weekly compound interest calculatorUse weekly compounding assumptions. Doubling time calculatorEstimate years to double or return needed to double. Rule of 72 calculatorFast shortcut estimate for doubling time.

Retirement and financial independence calculators

Retirement compound interest calculatorProject retirement savings using compound growth. Financial independence calculatorEstimate progress toward FI targets. Coast FIRE calculatorEstimate whether current savings can coast to a future target. 4 percent rule calculatorEstimate portfolio target from annual spending. Safe withdrawal rate calculatorCalculate withdrawal amount from portfolio and rate. Retirement in today's dollarsAdjust future retirement targets for inflation assumptions.

Popular scenario pages

Scenario pages are useful when the query already contains an amount, time period or return assumption.

$100 a month for 10 yearsBeginner monthly investing scenario. $100 a month for 30 yearsLonger horizon comparison. $10,000 at 7% for 30 yearsLump-sum long-term growth example.

Keep reading

Rule of 70 calculator

Looking for a specific situation instead?

If your question is phrased as a scenario — “$100 a month for ten years”, “$10,000 at 7%”, “how long until $500,000” — the worked scenarios index answers it directly with verified figures at 5%, 7% and 10%, with links to calculators for adjusting your assumptions.

Compare the cost of investing

The investment fee calculator separates direct charges from the growth difference and compares two fee levels on the same monthly saving plan.

Compare growth and costs

Compare fixed and annually increasing contributions, calculate CAGR between two values, or compare the effect of two investment fees. Each tool answers a different question about the same plan.

Measure returns or plan a savings goal

For past deposits, measure annualised return using dated contributions and read CAGR versus XIRR. For a future goal, calculate monthly saving or the time your budget needs. Projection assumptions and measured past returns answer different questions.