📈 Compound Interest Calculator

Calculate how your savings or investment grows over time with the power of compound interest.

Initial amount (€)

Annual interest rate (%)

Number of years

Monthly contribution (€)

Enter your investment details

Frequently asked questions

What is a realistic annual return?

Historically, global stock markets have returned an average of 7–10% annually before inflation. Savings accounts and bonds typically offer lower returns.

How often does this calculator compound?

This calculator compounds monthly, which is the most common frequency for investment funds and savings accounts.

What is the difference between simple and compound interest?

With simple interest you only earn interest on your principal. With compound interest, your interest also earns interest, creating much greater growth over time.