Compound Interest Calculator
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What is compound interest?
Compound interest is interest calculated on both the initial principal and the accumulated interest from previous periods, creating exponential growth over time.
How does compounding frequency affect returns?
More frequent compounding results in slightly higher returns. Daily compounding earns more than annual, but the difference is usually small for the same annual rate.
What is the Rule of 72?
Divide 72 by your annual interest rate to estimate how long it takes to double your money. At 7%, your money doubles in roughly 10.3 years.
Should I invest a lump sum or dollar-cost average?
Historically, lump-sum investing outperforms dollar-cost averaging about two-thirds of the time, but DCA reduces the risk of investing at a market peak.
What is a realistic rate of return?
The S&P 500 has historically returned about 10% annually before inflation (7% after). Conservative bonds return 3-5%. A blended portfolio typically returns 6-8%.