Compound Growth Calculator
See how your investments grow over time with the power of compound interest.
Investment Details
$
$
30 years
1 years50 years
%
How much you increase contributions each year
%
Average annual return before inflation
%
Tax-Deferred Account
401(k), IRA, etc.
Final Value
$832,672
Real Value (Today's $)
$343,050
Total Contributions
$253,408
Total Growth
$579,264
Growth Over Time
Year-by-Year Breakdown
| Year | Total Contributed | Total Growth | Final Balance | Real Value (Today's $) |
|---|---|---|---|---|
| 0 | $10,000 | $0 | $10,000 | $10,000 |
| 1 | $16,000 | $955 | $16,955 | $16,461 |
| 2 | $22,120 | $2,418 | $24,538 | $23,130 |
| 3 | $28,362 | $4,434 | $32,796 | $30,013 |
| 4 | $34,730 | $7,051 | $41,781 | $37,122 |
| 5 | $41,224 | $10,323 | $51,548 | $44,465 |
| 6 | $47,849 | $14,306 | $62,155 | $52,054 |
| 7 | $54,606 | $19,061 | $73,667 | $59,898 |
| 8 | $61,498 | $24,654 | $86,151 | $68,009 |
| 9 | $68,528 | $31,154 | $99,682 | $76,398 |
| 10 | $75,698 | $38,638 | $114,336 | $85,077 |
| 11 | $83,012 | $47,186 | $130,199 | $94,058 |
| 12 | $90,473 | $56,887 | $147,360 | $103,355 |
| 13 | $98,082 | $67,835 | $165,917 | $112,981 |
| 14 | $105,844 | $80,130 | $185,973 | $122,950 |
| 15 | $113,761 | $93,880 | $207,641 | $133,277 |
| 16 | $121,836 | $109,204 | $231,039 | $143,976 |
| 17 | $130,072 | $126,225 | $256,297 | $155,064 |
| 18 | $138,474 | $145,078 | $283,552 | $166,557 |
| 19 | $147,043 | $165,908 | $312,951 | $178,472 |
| 20 | $155,784 | $188,870 | $344,654 | $190,826 |
| 21 | $164,700 | $214,130 | $378,830 | $203,640 |
| 22 | $173,794 | $241,868 | $415,662 | $216,931 |
| 23 | $183,070 | $272,276 | $455,345 | $230,720 |
| 24 | $192,531 | $305,559 | $498,090 | $245,027 |
| 25 | $202,182 | $341,940 | $544,122 | $259,876 |
| 26 | $212,025 | $381,656 | $593,681 | $275,287 |
| 27 | $222,066 | $424,962 | $647,028 | $291,285 |
| 28 | $232,307 | $472,132 | $704,440 | $307,894 |
| 29 | $242,753 | $523,461 | $766,215 | $325,140 |
| 30 | $253,408 | $579,264 | $832,672 | $343,050 |
AI Insights
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How Compound Growth Works
Your investment earnings generate their own earnings over time. Unlike simple interest, compound growth earns returns on both principal and accumulated gains.
Key Concepts
- Time is your greatest ally — the longer the horizon, the more powerful compounding becomes
- Contribution increases matter — even small annual increases dramatically boost the final balance
- Real vs. nominal returns — inflation erodes purchasing power; "real value" shows today's dollars
- Tax-deferred growth — 401(k)s and IRAs eliminate annual tax drag, accelerating compounding