Compound Interest Calculator
Enter a starting amount, a monthly contribution and an expected return to see how your money could grow — and how much of it is pure compounding.
Free • No sign-up • Instant results
Global stocks have historically returned around 7%–10% a year before inflation
Assumes monthly compounding with contributions at the end of each month. Real returns go up and down from year to year — treat this as a projection, not a promise.
Projected final balance
412,177 AED
after 15 years
| Year | Contributions | Returns | Balance |
|---|---|---|---|
| 1 | 32,000 AED | 2,110 AED | 34,110 AED |
| 2 | 44,000 AED | 5,391 AED | 49,391 AED |
| 3 | 56,000 AED | 9,940 AED | 65,940 AED |
| 4 | 68,000 AED | 15,863 AED | 83,863 AED |
| 5 | 80,000 AED | 23,274 AED | 103,274 AED |
| 6 | 92,000 AED | 32,295 AED | 124,295 AED |
| 7 | 104,000 AED | 43,062 AED | 147,062 AED |
| 8 | 116,000 AED | 55,718 AED | 171,718 AED |
| 9 | 128,000 AED | 70,420 AED | 198,420 AED |
| 10 | 140,000 AED | 87,339 AED | 227,339 AED |
| 11 | 152,000 AED | 106,658 AED | 258,658 AED |
| 12 | 164,000 AED | 128,576 AED | 292,576 AED |
| 13 | 176,000 AED | 153,310 AED | 329,310 AED |
| 14 | 188,000 AED | 181,092 AED | 369,092 AED |
| 15 | 200,000 AED | 212,177 AED | 412,177 AED |
How it works
The formula
Future value = P(1 + r)ⁿ + PMT × ((1 + r)ⁿ − 1) ÷ r, where r is the monthly return and n the number of months. Each month's growth earns its own growth.
Time beats timing
Starting ten years earlier often matters more than investing twice as much. Use the table to see how growth accelerates in the later years.
Frequently asked questions
What return should I use?
A diversified global stock index has historically returned around 7–10% a year before inflation. Use a lower figure, such as 5–6%, for a cautious plan.
Is this the same as a bank savings rate?
You can use it for a savings account too — just enter the bank's annual rate.