Compound Interest Calculator

See what consistent saving does over time: enter a starting amount, a monthly contribution and an expected return.

$108,224
projected balance after 20 years
Total contributed$49,000
Interest earned$59,224

Assumes monthly compounding and a constant rate of return. Markets fluctuate — this is a projection, not a guarantee.

Why starting early beats saving more

With compounding, time matters more than amount. $200/month from age 25 at 7% grows to roughly $525,000 by 65 — the same $200 starting at 35 reaches only about $245,000. The first decade does the heavy lifting.