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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
per month
Monthly Payment
—
Total interest
—
Total paid
—

Early payments go mostly to interest; later payments go mostly to principal.

Early payments go mostly to interest; later payments go mostly to principal.

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

How loan amortization works

Each monthly payment splits between interest and principal. The proportion shifts over time: early payments are mostly interest, late payments are mostly principal. Understanding this split helps you decide whether to pay extra.

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
per month
Monthly Payment
—
Total interest
—
Total paid
—

Early payments go mostly to interest; later payments go mostly to principal.

Early payments go mostly to interest; later payments go mostly to principal.

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

How loan amortization works

Each monthly payment splits between interest and principal. The proportion shifts over time: early payments are mostly interest, late payments are mostly principal. Understanding this split helps you decide whether to pay extra.

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