Free Tool

Compound Interest Calculator

See how a starting balance plus regular contributions can grow over time when your returns compound. Drag the sliders to model different scenarios. Nothing is stored; your numbers never leave your browser.

Your inputs

Starting balance

$0$200k

Monthly contribution

$0$5,000

Annual return rate

0%20%

Years to grow

1 yr60 yrs

Compounding frequency

Growth over time

BalanceContributions

Final balance

$343,778

Contributed

$130,000

Interest earned

$213,778

Year-by-year breakdown

Year	Contributions	Interest	Balance
0	$10,000	$0	$10,000
1	$16,000	$1,055	$17,055
2	$22,000	$2,695	$24,695
3	$28,000	$4,970	$32,970
4	$34,000	$7,932	$41,932
5	$40,000	$11,637	$51,637
6	$46,000	$16,148	$62,148
7	$52,000	$21,531	$73,531
8	$58,000	$27,859	$85,859
9	$64,000	$35,210	$99,210
10	$70,000	$43,669	$113,669
11	$76,000	$53,329	$129,329
12	$82,000	$64,288	$146,288
13	$88,000	$76,655	$164,655
14	$94,000	$90,546	$184,546
15	$100,000	$106,088	$206,088
16	$106,000	$123,419	$229,419
17	$112,000	$142,685	$254,685
18	$118,000	$164,049	$282,049
19	$124,000	$187,684	$311,684
20	$130,000	$213,778	$343,778

How compound interest works

Compound interest is the interest you earn on both your original balance and on the interest that has already accumulated. Over long periods, this snowball effect can turn even modest contributions into substantial sums. The earlier you start and the longer you stay in, the more time compounding has to work in your favor.

This is the same principle behind the cash value inside a properly designed whole life policy: guaranteed growth plus dividends, compounding year after year without market drawdowns interrupting the curve. If you want to see how that compares, explore our infinite banking strategy overview or run your own numbers with the life insurance needs calculator.

Want growth you can actually count on?

Market averages are not guarantees. A Pro Client Guide can show you how uninterrupted compounding works inside a dividend-paying whole life policy, with numbers based on your situation.

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