Calculate compound interest using the standard formula A = P(1 + r/n)^(nt), where P is the principal, r is the annual rate, n is the number of times interest compounds per year, and t is the time in years. This calculator shows your final balance, total interest earned, and a full year-by-year breakdown. All calculations run locally in your browser.
Compound frequency
Formula: A = P(1 + r/n)^(nt) — where P = principal, r = annual rate, n = compounds/year, t = years
The compound interest formula is A = P(1 + r/n)^(nt), where P is the principal, r is the annual interest rate as a decimal, n is the number of compounding periods per year, and t is the number of years. The year-by-year table recalculates each row using this formula with increasing t values. All arithmetic runs in JavaScript in your browser.
All calculations happen locally in your browser tab. Our servers are not involved at any point.
For working out a quick percentage of a value, try the percentage calculator. To convert fractional rates into decimals, use the fraction calculator. For tipping or splitting bills based on totals, see the tip calculator.