Tip Amount
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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
total tip
Total with tip
—
Per person
—
15% is the US cultural baseline. 20% is standard for good service. 25% for exceptional.
15% is the US cultural baseline. 20% is standard for good service. 25% for exceptional.
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 tipping culture works around the world
Tipping expectations vary dramatically: in Japan and most of Europe, service staff are paid a living wage and tipping is unusual or even offensive. In the US, tipping subsidizes restaurant worker wages — a legacy of post-Prohibition labor practices. As minimum wages rise in some states, tipping norms are beginning to shift.
📈
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
total tip
Tip Amount
—
Total with tip
—
Per person
—
15% is the US cultural baseline. 20% is standard for good service. 25% for exceptional.
15% is the US cultural baseline. 20% is standard for good service. 25% for exceptional.
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 tipping culture works around the world
Tipping expectations vary dramatically: in Japan and most of Europe, service staff are paid a living wage and tipping is unusual or even offensive. In the US, tipping subsidizes restaurant worker wages — a legacy of post-Prohibition labor practices. As minimum wages rise in some states, tipping norms are beginning to shift.