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mQuickCalc
📈
Estimates only. Results assume a fixed interest rate for the full period. Real investments vary year to year. Use this for fixed-rate planning (CDs, bonds, HYSA) or for rough long-term stock-market estimates.

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
in today's dollars
Future Price
—
Purchasing power lost
—
Real return needed to break even
—

At 3% inflation, $100 in 20 years buys what $55 buys today.

At 3% inflation, $100 in 20 years buys what $55 buys today.

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

Why inflation matters for every financial decision

Inflation is invisible in the short term but devastating over decades. At 3% inflation, prices double every 24 years. Planning for retirement or any long-term financial goal requires using real (inflation-adjusted) returns, not nominal ones.

mQuickCalc
📈
Estimates only. Results assume a fixed interest rate for the full period. Real investments vary year to year. Use this for fixed-rate planning (CDs, bonds, HYSA) or for rough long-term stock-market estimates.

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
in today's dollars
Future Price
—
Purchasing power lost
—
Real return needed to break even
—

At 3% inflation, $100 in 20 years buys what $55 buys today.

At 3% inflation, $100 in 20 years buys what $55 buys today.

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

Why inflation matters for every financial decision

Inflation is invisible in the short term but devastating over decades. At 3% inflation, prices double every 24 years. Planning for retirement or any long-term financial goal requires using real (inflation-adjusted) returns, not nominal ones.

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