Compound interest calculator
See how much your money can grow if you let it work for years.
An estimate based on the figures you enter; not financial advice.
Bring these numbers into your everyday life
MonVault tracks your savings and investments in one place and shows how much you can set aside each month without strain.
How does compound interest work?
With compound interest, the interest you earn is added to your balance and starts earning interest of its own. You barely notice it at first, but over the years the curve speeds up: that is why time matters more than the starting amount.
Returns are not guaranteed: markets go up and down. Use cautious figures (for example, 3% to 6% for a long-term diversified portfolio) and remember that fees and taxes reduce the result.
📖 Learn more: Compound interest explained: why starting earlier matters so much
Frequently asked questions
What return should I use?
For a savings account, whatever your bank pays (around 2% today). For long-term diversified investing, a cautious 3% to 6% a year. If unsure, try several and compare.
Is it better to put in a lot at the start or a little each month?
The sooner money goes in, the longer it has to grow. But consistency matters most: a monthly amount you can keep up for years usually beats one big effort you never repeat.
Other calculators
