Calculate how much you'd accumulate over N years with compound interest — with an initial capital and regular contributions.
| Step | Formula |
|---|---|
| Capital growth | FV = P × (1 + r/n)^(n×t) |
| With regular contributions | + PMT × (((1+r/n)^(n×t) − 1) / (r/n)) |
P — initial capital, r — annual rate, n — compounding periods per year, t — years, PMT — periodic contribution. This is a mathematical model — actual investment returns fluctuate and are not guaranteed.
The more often interest is added to the capital, the sooner it starts earning interest itself — daily compounding gives a slightly higher result than annual compounding at the same nominal rate.
No, this is a gross calculation. For real purchasing power see the inflation calculator; taxes on any gains (if applicable) need to be deducted separately.
Regular contributions (a DCA strategy) spread the purchase price over time and reduce the concentration of risk at a single point, while also benefiting from the compound interest effect.
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