---
title: "Compound Interest Calculator with Contributions | MCC"
description: "See how a balance grows with compound interest and regular contributions. Free, private, runs in your browser."
url: "https://mcc-solutionsnj.com/bookkeeping/compound-interest-calculator"
---

Free tool

# Compound interest calculator

Enter a starting balance, a yearly rate, the years and any regular contribution to see the ending balance and the interest earned.

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Starting amount ($)

Yearly interest rate (%)

Years

Compounding periods per year (12 = monthly)

Contribution each period ($)

Prefer to talk it through? [Take the free books check](/bookkeeping/health-check) or [contact us](/contact).

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## Put this tool on your own site

Free to use. Paste this where you want it to appear. It runs in the visitor's browser, so nothing they enter is sent to us.

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How it works

## How it works

Each period the balance earns **rate divided by periods per year**. The ending balance is the starting amount grown by compounding, plus each contribution grown from the period it was added. Contributions are assumed to be made at the end of each period.

FAQ

## About this calculator

**What is compound interest?**

Interest earned on both the original amount and the interest already added. Over time it grows faster than simple interest.

**Is the rate guaranteed?**

No. Savings and investment returns vary. The calculator shows what a steady rate would produce, not what you will earn.

**What does the compounding frequency change?**

More frequent compounding adds interest to the balance sooner, so the ending balance is slightly higher at the same yearly rate.

**Is anything saved?**

No. The math runs in your browser and nothing you enter is sent to us.

**Is this tax or financial advice?**

No. It is a calculator for general information. Check the numbers against your own records, and ask an accountant before you act on them.

Read the guide: [How to Track Your Net Worth (and Why It Matters)](/tools/guides/how-to-track-your-net-worth). Related: [simple interest calculator](/bookkeeping/simple-interest-calculator), [business loan payment calculator](/bookkeeping/business-loan-payment-calculator). See [all free tools](/free-tools). More free tools: [IRR calculator](/bookkeeping/irr-calculator), [Present value and future value calculator](/bookkeeping/present-value-and-future-value-calculator), [Prorated salary calculator](/bookkeeping/prorated-salary-calculator), or [see all free tools](/free-tools).

Free

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General information, not tax or legal advice. [How we write and check our tools](/editorial-standards).

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## Want your books and numbers handled?

[Free health check](/bookkeeping/health-check)[Call (908) 444-6373](tel:+19084446373)