Compound Growth Calculator
Project a starting amount plus optional regular contributions compounding yearly, monthly, daily or continuously, with a year-by-year table and the effective annual rate.
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1,647.01 after 10 years
of which 647.01 is growth
| Year | Contributed | Growth | Balance |
|---|---|---|---|
| 1 | 1,000.00 | 51.16 | 1,051.16 |
| 2 | 1,000.00 | 104.94 | 1,104.94 |
| 3 | 1,000.00 | 161.47 | 1,161.47 |
| 4 | 1,000.00 | 220.90 | 1,220.90 |
| 5 | 1,000.00 | 283.36 | 1,283.36 |
| 6 | 1,000.00 | 349.02 | 1,349.02 |
| 7 | 1,000.00 | 418.04 | 1,418.04 |
| 8 | 1,000.00 | 490.59 | 1,490.59 |
| 9 | 1,000.00 | 566.85 | 1,566.85 |
| 10 | 1,000.00 | 647.01 | 1,647.01 |
How this is calculated
About Compound Growth Calculator
Compounding over a period, in both directions: what a value becomes at a given rate, and what annual rate is implied by a start and an end figure. The second is CAGR, and it is the number people most often want when comparing two things that grew over different timescales. Free online, and nobody asks who you are. The projection is computed locally from the numbers you enter.
How to use Compound Growth Calculator
- Project forwardEnter the starting value, the rate and the number of periods to see what it becomes.
- Add regular contributionsOptionally add an amount paid in every week, month, quarter or year, and see how much of the final balance is contributions and how much is growth.
- Mind the periodA rate compounding monthly and the same rate compounding annually give different answers, and the gap widens the longer you run it.
What CAGR hides
A compound annual growth rate is the single smooth rate that would have produced the observed end value. It says nothing about the path: a figure that doubled then halved and one that crept up steadily can share a CAGR. It is a fair summary for comparison and a poor description of volatility.
What it does not do
- Constant rates do not exist outside a spreadsheet. This models the assumption, not the world.
- It ignores contributions, withdrawals, fees and tax, all of which change the outcome materially over long periods.
Compound Growth Calculator: questions people ask
- Can it work out CAGR from a start and end value?
- No, this projects forward from a starting amount and a rate. To find the annual rate between two values, use CAGR = (end ÷ start)^(1 ÷ years) − 1; for example 1,000 growing to 2,000 over 10 years is about 7.18% a year.
- Why does compounding frequency matter?
- Because interest is added to the balance more often, and subsequent interest is then earned on a larger figure. The same nominal rate compounded monthly beats one compounded annually, which is why the frequency is stated.
- How do I do a compound growth calculation in Excel?
- Use =P*(1+r/n)^(n*t), for example =1000*(1+0.05/12)^(12*10) for 1,000 at 5% compounded monthly for 10 years. That is the formula this page uses for a starting amount, A = P × (1 + r / n)^(n × t). Regular contributions need a separate term, so check those against the page rather than this one cell.
Questions about ToolsVerse itself — privacy, cost, what happens to your files — are answered in the frequently asked questions.
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