Compound Interest Calculator

Compound interest means your interest earns interest. The final amount is principal × (1 + rate)^years. €10,000 at 5% for 20 years grows to €26,533 — €16,533 of interest, far more than the €10,000 simple interest would produce.

This exponential effect is why starting early matters so much for savings and why long-running debt grows dangerous. The calculator shows both the interest earned and the final total. Compare with the simple interest tool, or plan monthly contributions with the savings goal calculator.