Compound Interest Calculator

See what investing a set amount every year, in an index fund or anything else with a steady average return, could grow into over time. Free, no account needed.

Expected average annual return

The S&P 500 has averaged roughly 10% a year before inflation, or about 7% after inflation, over the long run. Past performance doesn't guarantee future returns, and any single year can be very different from the average.

Balance after 30 years$614,051
What you put inGrowth
$181,000
Total you put in
$433,051
Growth from returns
71%
Growth as % of final balance
Growth over time

Contributions vs. growth, year by year.

YearContributedGrowthBalance
1$7,000$490$7,490
5$31,000$7,322$38,322
10$61,000$29,669$90,669
15$91,000$73,087$164,087
20$121,000$146,061$267,061
25$151,000$260,486$411,486
30$181,000$433,051$614,051

Want your investing contribution set aside automatically every time you get paid?

Estimate only. Assumes a steady annual return and contributions made at the start of each year, real markets don't move in a straight line, and this isn't investment advice. Not adjusted for taxes or fees.