CalcVault
VI
Free • No login required

Compound Interest Calculator

Calculate how your investment grows over time with compound interest. See total amount, interest earned, and effective annual rate.

₫
%
years

Fill in the fields above and click Calculate to see your results.

How to use

Calculate how your investment grows over time with compound interest. See total amount, interest earned, and effective annual rate.

How it's calculated

Total Amount

principal * pow(1 + annual_rate / 100 / compound_frequency, compound_frequency * years)

Total value of your investment after the period

Interest Earned

total_amount - principal

Total interest accumulated over the period

Effective Annual Rate

(pow(1 + annual_rate / 100 / compound_frequency, compound_frequency) - 1) * 100

The actual annual return accounting for compounding

Examples

10M VND at 8% monthly for 5 years

  • Investment Period (Years):5
  • Initial Investment:10,000,000
  • Annual Interest Rate (%):8
  • Compounding Frequency:12

50M VND at 6% yearly for 10 years

  • Investment Period (Years):10
  • Initial Investment:50,000,000
  • Annual Interest Rate (%):6
  • Compounding Frequency:1

Frequently Asked Questions

What is compound interest?

Compound interest is interest calculated on both the initial principal and the accumulated interest from previous periods. Unlike simple interest, it causes your investment to grow exponentially over time.

How does compounding frequency affect returns?

The more frequently interest is compounded, the higher your effective annual return. Daily compounding yields slightly more than monthly, which yields more than yearly compounding at the same nominal rate.

What is the effective annual rate (EAR)?

The EAR is the actual annual return after accounting for compounding within the year. It is always equal to or higher than the nominal annual rate, and is useful for comparing investments with different compounding frequencies.

Related Calculators

USD to VND Currency Converter

Convert between US Dollars and Vietnamese Dong using the latest approximate exchange rate. Note: rate is approximate — check your bank for live rates.

Inflation Calculator

Calculate the impact of inflation on purchasing power. See how much money you need in the future to match today's value, and how much purchasing power you lose over time.

Loan Amortization Schedule Calculator

Calculate your monthly loan payment and see a full amortization schedule showing principal, interest, and remaining balance for each month.

Profit Margin Calculator

Calculate gross and net profit margins for your business. Understand how much profit you make on each dollar of revenue.

ROI Calculator

Calculate the Return on Investment (ROI) for any business project or personal investment.