Compound Interest Calculator: How Small Deposits Grow Over Time
Learn how compound interest works and how regular deposits can change long-term savings growth.
Compound interest means earning interest on both your starting balance and the interest already added. Over time, that can make growth accelerate.
Why regular deposits matter
Regular deposits can have a major effect because each deposit gets time to earn future interest.
What to test
Try different balances, interest rates, monthly deposits and timeframes. Small differences can become large over long periods.
Use conservative assumptions
Interest rates change, so it is smart to compare a realistic case, a conservative case and an optimistic case.