Compound Interest Calculator

See how your investments grow over time

The Power of Compound Interest

Compound interest means you earn returns not only on your original money, but also on the returns already added to your balance. Over time, that snowball effect can make a major difference in long-term savings and investing outcomes.

How the Calculation Works

This calculator combines your starting principal, monthly additions, annual return, time horizon, and compounding frequency to estimate your future balance, total contributions, and total interest earned.

Why Frequency Matters

  • Annual: Interest compounds once each year.
  • Monthly: Interest compounds 12 times a year and is common for many savings products.
  • Daily: More frequent compounding slightly boosts the final amount.

Common Philippine Use Cases

  • Estimating long-term growth for MP2, digital banks, or time deposits
  • Planning regular monthly investing habits
  • Comparing conservative and growth-oriented return assumptions
  • Setting realistic savings goals over 5, 10, or 20 years