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Compound interest is the most powerful force in personal finance. This calculator shows how your initial investment and regular contributions can grow exponentially over time, and how inflation may affect your real returns.
Compound Interest Calculator
Optional: adjust for purchasing power
Results
Future Value
$300,850.72
Total Contributions
$130,000.00
Interest Earned
$170,850.72
Inflation-Adjusted Value
$166,573.75
Money Multiplier
2.31x
Visualization
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How It Works
Compound interest means earning interest on your interest. Each period, interest is calculated on the current balance (including previously earned interest), creating exponential growth over time.
Formula
FV = P(1 + r/n)^(nt) + PMT × [((1 + r/n)^(nt) - 1) / (r/n)]Assumptions
- Fixed annual return rate
- Regular monthly contributions
- Interest compounds monthly by default
- No taxes on gains
- No withdrawal during the period
Frequently Asked Questions
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