Compound interest
Estimate final capital with compound interest and optional regular contributions.
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How it works
Projects how an investment grows when interest itself earns interest. You can add recurring contributions and choose how often interest compounds. A constant rate is assumed, with contributions made at the end of each period.
Formula
balance = P × (1 + r ÷ n)^(n·t) + contribution × [((1 + r ÷ n)^(n·t) − 1) ÷ (r ÷ n)]
Example
Frequently asked questions
What changes if I compound monthly?
Interest is added more often, so the final result is slightly higher than with annual compounding at the same rate.
Is it a promise of returns?
No. It is a mathematical projection at a fixed rate; real returns vary, and fees and taxes are not included.