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.

These are sample values to demonstrate compound growth. Adjust the inputs for your own projection. How is this calculated?

Final Value

$832,672

Real Value (Today's $)

$343,050

Total Contributions

$253,408

Total Growth

$579,264

70% of your final balance is pure growth

You contribute $253,408 — compounding adds $579,264 on top.

Growth Over Time

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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
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