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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
today's dollars
Present Value
—
Time to double (Rule of 72)
—
Equivalent annual payment
—

PV tells you how much to invest today to reach a future goal at a given return rate.

PV tells you how much to invest today to reach a future goal at a given return rate.

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

The time value of money foundation

Present value is the most fundamental concept in finance. All investment decisions, project valuations, and financial planning rely on discounting future cash flows to today's dollars. Master PV and you understand the logic behind NPV, IRR, and virtually all financial models.

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
today's dollars
Present Value
—
Time to double (Rule of 72)
—
Equivalent annual payment
—

PV tells you how much to invest today to reach a future goal at a given return rate.

PV tells you how much to invest today to reach a future goal at a given return rate.

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

The time value of money foundation

Present value is the most fundamental concept in finance. All investment decisions, project valuations, and financial planning rely on discounting future cash flows to today's dollars. Master PV and you understand the logic behind NPV, IRR, and virtually all financial models.

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