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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
of revenue
Net Profit Margin
Gross profit
Markup %

Net margin is what you keep after all costs. Gross margin ignores operating expenses.

Net margin is what you keep after all costs. Gross margin ignores operating expenses.

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

Understanding profit margins

Profit margins tell you how much of each dollar of revenue you keep. A 30% net margin means for every $1 you earn, you keep $0.30 after all costs. Margins are the most universal measure of business health.

📈
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
of revenue
Net Profit Margin
Gross profit
Markup %

Net margin is what you keep after all costs. Gross margin ignores operating expenses.

Net margin is what you keep after all costs. Gross margin ignores operating expenses.

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

Understanding profit margins

Profit margins tell you how much of each dollar of revenue you keep. A 30% net margin means for every $1 you earn, you keep $0.30 after all costs. Margins are the most universal measure of business health.

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