Free tool
Compound Interest Calculator
See how savings or investments grow once interest starts earning interest, and how much of the final pot is growth rather than money you paid in.
What you're putting in
£
£
Set to 0 to see growth on the starting amount alone.
Growth assumptions
%
yrs
%
Illustrative only, assuming a steady return with contributions added at the end of each month. “Today’s money” restates the balance at your inflation rate so you can see what it would actually buy. Real returns vary, and this ignores tax and fees.
Balance after 20 years
£150,425
- You paid in
- £65,000
- Interest earned
- £85,425
- In today's money (2.5% inflation)
- £91,800
- What you paid in, in today's money
- £52,301
Interest as % of pot
56.8%
Money multiplied by
2.31×
Real return after inflation
4.39%
Lost to inflation
£58,625
Real gain vs what you paid in
£39,499
Without any interest
£65,000
Extra from compounding
£85,425
Along the way
- Year 5 — £22,084 in today's money
- £24,986
- Year 10 — £41,653 in today's money
- £53,320
- Year 15 — £64,548 in today's money
- £93,485
- Year 20 — £91,800 in today's money
- £150,425