CAGR
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📈
Compound Interest Calculator — Final Amount & APY
See how a single deposit grows with compound interest. Pick how often the interest compounds — daily for crypto/stocks, monthly for HYSAs, quarterly for bonds.
$0.00
per year
Total return
—
Years to double at this rate
—
CAGR smooths out volatility to give you the single constant rate that grew start to end.
CAGR smooths out volatility to give you the single constant rate that grew start to end.
How compounding frequency matters
A 5% rate compounded daily yields 5.1267% APY; compounded monthly it is 5.116%; annually, 5.0%. The difference is small at low rates, but at 20% or higher, daily compounding can add 0.5-1% extra per year. For practical purposes, monthly is the right default for most savings accounts.
How this calculator works
CAGR vs average annual return
CAGR is not the same as simple average annual return. CAGR compounds the return, while simple average ignores compounding. A portfolio that returns 50% one year and loses 33% the next has a simple average of 8.5% but a CAGR of 0% — because $10K → $15K → $10K is neither a gain nor a loss.
📈
Compound Interest Calculator — Final Amount & APY
See how a single deposit grows with compound interest. Pick how often the interest compounds — daily for crypto/stocks, monthly for HYSAs, quarterly for bonds.
$0.00
per year
CAGR
—
Total return
—
Years to double at this rate
—
CAGR smooths out volatility to give you the single constant rate that grew start to end.
CAGR smooths out volatility to give you the single constant rate that grew start to end.
How compounding frequency matters
A 5% rate compounded daily yields 5.1267% APY; compounded monthly it is 5.116%; annually, 5.0%. The difference is small at low rates, but at 20% or higher, daily compounding can add 0.5-1% extra per year. For practical purposes, monthly is the right default for most savings accounts.
How this calculator works
CAGR vs average annual return
CAGR is not the same as simple average annual return. CAGR compounds the return, while simple average ignores compounding. A portfolio that returns 50% one year and loses 33% the next has a simple average of 8.5% but a CAGR of 0% — because $10K → $15K → $10K is neither a gain nor a loss.