Compound Interest Calculator with Inflation Adjustment
Project compound growth and compare nominal future value to inflation-adjusted real value.
About this calculator
Compound interest
Compound interest earns returns on both principal and accumulated interest. The compounding frequency (daily, monthly, annually) affects how fast balance grows.
This calculator also applies inflation to show real value — what your balance can actually buy in the future.
FV = P × (1 + r/n)^(n×t) Real value = FV ÷ (1 + inflation)^t
Rule of 72 (quick estimate)
Divide 72 by the annual rate to estimate years to double your money at that nominal rate. Example: at 6%, money doubles in about 12 years (72 ÷ 6).
Reference tables & standards
SEC compound growth illustration
Source: U.S. SEC — compound interest for investors| Factor | Impact on growth |
|---|---|
| Higher rate | Exponential increase in long-term balance |
| More compounding periods | Slightly higher effective yield (APY) |
| Longer time horizon | Largest driver of compound growth |
| Inflation | Reduces real purchasing power of future balance |
Calculations are for educational and planning purposes only. They are not financial, tax, or investment advice. Rates, fees, and inflation assumptions vary in real markets.