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Calculate compound interest and project long-term wealth growth.
Compound Interest Simulation
Projected Wealth
Total Contributions
Principal + Recurring
Interest Yield
+350% ROI
Compound interest is the eighth wonder of the world.
Finlytic Pro's free investment calculator uses the compound interest formula to project your wealth growth over any time horizon. Input a lump-sum investment, monthly contributions, annual interest rate, and compounding frequency to see exactly how your money can grow — and how it compares to simple interest and idle cash.
Albert Einstein reportedly called compound interest the "eighth wonder of the world." Unlike simple interest (which earns on principal only), compound interest earns interest on your interest — creating exponential wealth growth. The formula is: A = P(1 + r/n)^(nt) where P is the principal, r is the annual interest rate, n is the compounding frequency, and t is the time in years.
The real magic of investing is not the lump-sum amount — it is the consistent monthly contributions. Adding just $200/month to a $10,000 investment at 7% annual return transforms $34,000 in contributions over 10 years into over $45,000 in total wealth. Over 30 years, those same $200/month contributions plus the original $10,000 become over $227,000.
Historically, the S&P 500 (USA) has returned approximately 10% annually before inflation (7% real). The TSX (Canada) has averaged ~8–9%, and the FTSE 100 (UK) ~7–8%. Use these benchmarks as a starting point when estimating your expected annual return in our calculator.
Enter Initial Investment
Set Monthly Contribution
Configure Rate & Duration
Analyze the Growth Chart
Enter Initial Investment
Input your starting investment amount (lump sum). This is the principal that will begin earning compound interest immediately.
Set Monthly Contribution
Add a monthly contribution amount if you plan to invest regularly. Even small amounts ($50–$200/month) dramatically impact long-term results.
Configure Rate & Duration
Set your expected annual return rate and investment duration. Choose a compounding frequency (monthly, quarterly, or annually).
Analyze the Growth Chart
Review the year-by-year wealth breakdown chart to see exactly when your interest earnings surpass your contributions — the "crossover" point.
A = P(1 + r/n)^(nt). A = Final amount, P = Principal, r = Annual interest rate (decimal), n = Compounding periods per year, t = Time in years.
It depends on your return rate and timeline. At a 7% average annual return, investing $500/month from age 25 to 65 would grow to approximately $1.3 million. Use our calculator to model your exact scenario.
For long-term stock market investments, 7–10% annually is commonly used based on historical S&P 500 averages. For bonds or savings accounts, use 2–5%. Always use a conservative estimate for planning.
The calculator shows nominal (before-inflation) returns by default. To get real returns, subtract the inflation rate (typically 2–3%) from your expected annual return. For example, use 5% instead of 7% to see inflation-adjusted growth.
Calculate compound interest and project long-term wealth growth.
Compound Interest Simulation
Projected Wealth
Total Contributions
Principal + Recurring
Interest Yield
+350% ROI
Compound interest is the eighth wonder of the world.
Finlytic Pro's free investment calculator uses the compound interest formula to project your wealth growth over any time horizon. Input a lump-sum investment, monthly contributions, annual interest rate, and compounding frequency to see exactly how your money can grow — and how it compares to simple interest and idle cash.
Albert Einstein reportedly called compound interest the "eighth wonder of the world." Unlike simple interest (which earns on principal only), compound interest earns interest on your interest — creating exponential wealth growth. The formula is: A = P(1 + r/n)^(nt) where P is the principal, r is the annual interest rate, n is the compounding frequency, and t is the time in years.
The real magic of investing is not the lump-sum amount — it is the consistent monthly contributions. Adding just $200/month to a $10,000 investment at 7% annual return transforms $34,000 in contributions over 10 years into over $45,000 in total wealth. Over 30 years, those same $200/month contributions plus the original $10,000 become over $227,000.
Historically, the S&P 500 (USA) has returned approximately 10% annually before inflation (7% real). The TSX (Canada) has averaged ~8–9%, and the FTSE 100 (UK) ~7–8%. Use these benchmarks as a starting point when estimating your expected annual return in our calculator.
Enter Initial Investment
Set Monthly Contribution
Configure Rate & Duration
Analyze the Growth Chart
Enter Initial Investment
Input your starting investment amount (lump sum). This is the principal that will begin earning compound interest immediately.
Set Monthly Contribution
Add a monthly contribution amount if you plan to invest regularly. Even small amounts ($50–$200/month) dramatically impact long-term results.
Configure Rate & Duration
Set your expected annual return rate and investment duration. Choose a compounding frequency (monthly, quarterly, or annually).
Analyze the Growth Chart
Review the year-by-year wealth breakdown chart to see exactly when your interest earnings surpass your contributions — the "crossover" point.
A = P(1 + r/n)^(nt). A = Final amount, P = Principal, r = Annual interest rate (decimal), n = Compounding periods per year, t = Time in years.
It depends on your return rate and timeline. At a 7% average annual return, investing $500/month from age 25 to 65 would grow to approximately $1.3 million. Use our calculator to model your exact scenario.
For long-term stock market investments, 7–10% annually is commonly used based on historical S&P 500 averages. For bonds or savings accounts, use 2–5%. Always use a conservative estimate for planning.
The calculator shows nominal (before-inflation) returns by default. To get real returns, subtract the inflation rate (typically 2–3%) from your expected annual return. For example, use 5% instead of 7% to see inflation-adjusted growth.