Compound interest

Future value of a single deposit growing at a constant rate, compounded n times per year.

Initial deposit ($)

Annual return: 8%Years: 30Compounding

Value in 30 years

$109,357

Contributed $10,000 · Gained $99,357

5-year

$14,898

10-year

$22,196

20-year

$49,268

30-year

$109,357

Formula

FV = P × (1 + r/n)^n×t — where P is principal, r is the annual rate (as a fraction), n is the number of compounding periods per year, and t is the number of years.

Illustrative only. Calculator outputs assume constant inputs and ignore taxes, fees, inflation, and market volatility unless stated. For research and educational purposes only — not financial advice.