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Savings

Compound interest

A first deposit, a little each month, and time: what savings become when interest earns interest in turn.

Everything is worked out in your browser: nothing is sent, nothing is kept.

How it is worked out

1

Every month, the interest is added to the capital, and the next month it earns in turn. Over a long time, this makes more difference than the amount paid in.

2

The calculation assumes a steady return and interest added every month, with no tax or fees. A regulated savings account counts its interest by fortnight and pays it once a year: the real result is a little lower.

The formula
Capital= D₀ × (1 + r)n + D × ((1 + r)n − 1) ÷ r

with r the monthly rate

Going further

In fleenRegular savingsYour payments tracked, with a goal.

Questions

What return to enter?

Your investment's, net of fees. For one that varies, like shares, take a cautious average.

Why start early?

Because time counts more than the amount: ten more years often double what the interest brings.

Are taxes counted?

No: the result is gross. Depending on the investment, the interest may be taxed or exempt.

The other calculators

All calculators
Savings goalHow much to put aside each month for a plan.Emergency fundThe safety cushion, and the time to fill it.Group potHow much everyone puts in a month for a shared plan.Split a billEqual shares, percentages, shares or fixed amounts.

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