Compound interest calculator with recurring contribution support
Calculate future value from principal, recurring contributions, number of periods, and return per period with a simple compound growth model.
What this page helps with
Project long-term savings and investing outcomes from a fixed return assumption.
What this page helps with
Include recurring contributions and choose whether they are added at the beginning or end of each period.
What this page helps with
Use this calculator when you want a clean future value estimate without tying the result to SPY or QQQ market history.
Common questions
What inputs does a compound interest calculator need?
The standard inputs are principal, recurring contribution, number of periods, and return per period. Contribution timing is also helpful.
Is this the same as a historical SPY or QQQ calculator?
No. This tool projects outcomes from a fixed rate assumption, while the ETF tools aim to backtest using actual historical prices.
Why does contribution timing matter?
Contributions made at the beginning of each period have more time to compound than contributions made at the end.