Does more frequent compounding increase returns?

Yes. Monthly compounding leads to higher growth than annual compounding because interest is added more often.

How do monthly contributions affect results?

Regular contributions increase the capital and the base for compounding, significantly increasing the final amount.

Does the calculator guarantee exact investment returns?

No. It provides a projection based on the entered rate. Actual returns may vary.

Compound Interest

Q: What is compound interest?

Compound interest means returns are calculated not only on the initial amount but also on previously earned interest.

Estimate capital growth with contributions: final amount, contributed vs earned (%), growth chart, and yearly table. Compounding: monthly / quarterly / yearly.

Auto-calculate NBU rate: loading…

Enter details

Finance

Initial amount

Base currency: ₴. Schedule conversion uses NBU rates (USD/EUR).

Monthly contribution

Added at the beginning of each month (including the first).

Annual rate, %

Period (years)

Compounding frequency

Start date

Used for year labels in the table.

Result

CalcCore

Enter initial amount, rate, and period.

Growth chart

Currency:

The line shows the end-of-year balance.

Yearly table (open)

Currency:

Year	Date	Contributed (₴)	Earned (₴)	Balance (₴)	Earned, %

How does the compound interest calculator work?

The CalcCore compound interest calculator shows how your money can grow over time thanks to compounding — interest is earned not only on your initial amount, but also on previously earned interest. This is a core concept behind long-term investing and saving.

Enter your starting amount, monthly additions, annual rate, and time period. Then choose the compounding frequency (monthly / quarterly / yearly). The calculator estimates the final balance and breaks down how much you contributed vs how much you earned.

Compounding frequency: monthly, quarterly, or yearly

Frequency matters: the more often interest is compounded, the faster the balance typically grows, because gains are reinvested sooner. For the same annual rate, monthly compounding usually produces a higher result than yearly.

Contributed vs earned: what do these numbers mean?

The calculator separates: contributed (initial amount + all additions) and earned (final balance minus contributions). This helps you understand how much growth comes from your deposits versus compounding returns.

Growth chart and yearly table

For clarity, the calculator provides a growth chart and a yearly table, showing the end-of-year balance, total contributions, and total earnings. This is useful for planning goals such as saving milestones, emergency funds, or major purchases.

FAQ

What is compound interest in simple terms?

It means you earn interest on your balance, including the interest you already earned. In other words, your interest starts earning interest.

How does compounding frequency affect the result?

More frequent compounding (monthly/quarterly/yearly) generally increases growth, because returns are reinvested sooner.

How are monthly additions calculated?

Monthly additions increase the principal over time, which increases the base used to calculate interest. Consistent contributions can significantly boost long-term results.

Will this match my bank or broker exactly?

This calculator provides a clean mathematical estimate. Real products may include fees, taxes, variable rates, or specific transaction dates, which can change the final outcome.

What’s the difference between “contributed” and “earned”?

“Contributed” is your own money (initial amount + additions). “Earned” is growth from returns: final balance minus contributions.