Compound Interest Calculator
MathCompute future value from principal, annual rate, compounding frequency, and an optional recurring contribution, with a year-by-year breakdown
Enter a principal, an annual interest rate, a compounding frequency, and a term in years to see the future value under compound interest, using the standard formula savings accounts, CDs, and investment projections all rely on. Add an optional recurring contribution made at the end of each compounding period to model a savings plan rather than a single lump sum, and the future value of that contribution schedule is combined with the principal's own growth using the ordinary-annuity formula. A year-by-year breakdown shows the running balance, cumulative contributions, and cumulative interest so you can see how the growth compounds over the full term, not just the final number. Everything is computed from the formula you supply, not a live rate feed, and nothing is sent anywhere in the browser tool.
How to use Compound Interest Calculator
- 1.Enter a principal, annual interest rate, term in years, and compounding frequency (annually, quarterly, monthly, or daily) to get the future value.
- 2.Add an optional contribution per compounding period to model regular deposits alongside the principal's own growth.
- 3.Expand the year-by-year breakdown to see the running balance, contributions, and interest at the end of each year.
Frequently asked questions
Use via API, SDK, or MCP
cURL# Free: 1,000 req/day · Pro: 10,000 req/day
curl -X POST https://api.utilix.tech/v1/tools/compound-interest-calculator \
-H "Authorization: Bearer utx_live_..." \
-H "Content-Type: application/json" \
-d '{"principal":1000,"annualRatePercent":5,"years":10,"compoundsPerYear":1,"contributionPerPeriod":0}'Get an API key from your dashboard · Full API docs →