Calcula - Compound Interest Calculator

Compound Interest Calculator

Watch your money grow exponentially

Investment Details

Starting Amount ($)

💡 Your starting money. Even $100 can grow into thousands over time with compound interest!

Monthly Contribution ($)

💡 Adding even $50/month is like planting money seeds that grow into money trees! 🌱→🌳

I can't contribute every month

Annual Interest Rate (%)

💡 How fast your money grows per year. 7% means $100 becomes $107 after 1 year, but $197 after 10 years! Magic! ✨

Compounding Frequency

Time Period: 10 years

Adjust for inflation (show real value)

Your Growth

Final Balance

Your Contributions

Interest Earned (FREE Money!)

Doubling Milestone

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Year	Contributions	Interest Earned	Total Balance

Scenario	Final Balance	Interest Earned
High-Yield Savings (4.5%)	$0	$0
S&P 500 (7%)	$0	$0
Under Mattress (0%)	$0	$0

⏰ Time is Your Superpower
Starting 5 years earlier matters MORE than investing twice as much! A 25-year-old investing $200/mo at 7% will have MORE at 65 than a 35-year-old investing $400/mo.

🤖 Automate Everything
Set up automatic transfers to your investment account on payday. You can't spend what you don't see! "Pay yourself first."

📈 Dollar Cost Averaging
Invest the same amount regularly (monthly) regardless of market conditions. Buys more shares when prices are low, fewer when high. Removes emotion and timing stress.

🏦 Account Hierarchy
1. Emergency fund (3-6 months expenses in HYSA)
2. 401(k) up to employer match (FREE money!)
3. Max out Roth IRA ($7,000/year)
4. Max out 401(k) ($23,000/year)
5. Taxable brokerage account

💎 The Index Fund Secret
S&P 500 index funds beat 90% of professional investors over 20 years. Low fees (0.03-0.1%), automatic diversification. Warren Buffett recommends them!

🔥 FIRE Movement
Financial Independence, Retire Early. Save 50-70% of income, invest aggressively. Rule: Need 25x your annual expenses invested to retire. $40k/year expenses = $1M needed.

💡 Smart Tips

✨ Calcula

📚 What is ELI5 Mode?

📚 Resources & Guides

Snowball vs Avalanche Guide

Bi-Weekly Payments Guide

About Calcula