Compound Interest Calculator
Compounding rewards time more than amount. Change the years field before you change the contribution field and watch what happens.
Your numbers
Everything is calculated in your browser. Nothing you type here is sent to Verdi or stored anywhere.
Balance after 20 years
$177,977
$400 a month
- Total you contributed
- $101,000
- Growth earned
- $76,977
- Growth as a share of the total
- 43.3%
How to use this calculator
Why the last decade does the heavy lifting
Growth is applied to the whole balance, so the amount earned each year keeps rising even when your contribution stays flat. Most of the total in a long horizon arrives near the end.
Choosing a rate
Use a rate that matches where the money actually sits. A savings account and a long-term investment account behave very differently, and no rate is guaranteed.
Common questions
Does this account for inflation or taxes?
No. The result is in today's dollars at face value. To think in real terms, subtract your expected inflation rate from the growth rate before entering it.
Is this investment advice?
No. It's a math tool. Verdi does not provide investment, tax or financial advice, and returns shown are illustrative only.
This calculator is an educational estimate based only on the figures you enter. Verdi does not provide financial, investment, tax, legal, credit or lending advice. Actual rates, fees, taxes and terms offered to you may differ.