Compound Interest Calculator
See how a lump sum and regular contributions grow with compound interest over time. Visualise the power of time and rate on long-term wealth building.
For planning purposes only — confirm with your financial adviser.
1) Inputs & 12-Month Breakdown
First 12 Months (monthly view)
| Month | Start Balance | Growth | Contribution | End Balance |
|---|
2) Charts
Contributions vs Interest
Balance Growth Over Time
What this means for you
3) Get Expert Help
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What this calculator does
This tool shows you the future value of an investment or savings pot that earns compound interest over time, with optional regular monthly contributions added on top of a starting lump sum. It visualises both the total growth curve and the split between contributions and interest earned, making it easy to see "the power of compounding" in concrete terms.
Who it is for: Anyone with a lump sum to invest or save, or anyone making regular monthly contributions to a savings account, investment fund, or pension. It is equally useful for modelling the long-term growth of an ISA, a regular investment plan, or a pension pot projection.
When to use it: Use this when planning a savings or investment strategy, comparing the impact of different rates or timeframes, or illustrating to yourself why starting earlier matters so much. It is also a useful tool for modelling pension accumulation before using a more detailed pension-specific calculator.