Rigula
Australiaen-AU

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Compound interest calculatorAU · en-AU

Separate contributed money from estimated interest and state when each periodic contribution is made.

Educational fixed-rate projection; tax, fees, inflation, and risk are excluded.

Ready.

How to use it

Use this educational projection to compare fixed-rate compounding scenarios, not to predict an investment.

  1. Enter principal, contribution, nominal annual rate, years, and compounds per year.
  2. Choose whether contributions occur at the start or end of each full compound period.
  3. Calculate the projected balance, total contributed, and estimated interest.

Worked example

Input
10,000 principal · 100 monthly · 6% · 2 years · monthly
Output
End-period projected balance: about 13,814.79

The exact display uses the selected locale and market currency.

Method and definitions

  • Principal uses P(1+r/n)^(nt); periodic deposits use an ordinary-annuity or annuity-due geometric series.
  • Only full contribution periods add deposits; principal still compounds through any fractional final period.

Limits and edge cases

  • The model excludes fees, tax, inflation, rate changes, missed contributions, and market risk.
  • The rate must exceed −100%, frequency is 1–365, and the term is limited to 100 years.

Privacy

All input and output stays in this tab. Rigula does not upload, store, or include it in a share URL.