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Financial wellness tool

Compound interest calculator

Model how contributions and investment growth can compound over time with a clear split between money added and growth earned.

Compounding frequency
$464,653
Final portfolio value
$160,000
Total contributed
$304,653
Total growth
65.6%
Growth share

Contributions vs growth

YearContributedGrowthBalance
1$16,000$955$16,955
2$22,000$2,413$24,413
3$28,000$4,411$32,411
4$34,000$6,986$40,986
5$40,000$10,182$50,182
6$46,000$14,042$60,042
7$52,000$18,614$70,614
8$58,000$23,952$81,952
9$64,000$30,108$94,108
10$70,000$37,144$107,144
11$76,000$45,122$121,122
12$82,000$54,110$136,110
13$88,000$64,182$152,182
14$94,000$75,416$169,416
15$100,000$87,895$187,895
16$106,000$101,710$207,710
17$112,000$116,958$228,958
18$118,000$133,742$251,742
19$124,000$152,173$276,173
20$130,000$172,370$302,370
21$136,000$194,461$330,461
22$142,000$218,582$360,582
23$148,000$244,881$392,881
24$154,000$273,515$427,515
25$160,000$304,653$464,653

Save your results

Create an account after purchasing a guide to save scenarios, revisit progress, and unlock enhanced tool modes.

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How to use the compound interest calculator

Enter your starting amount, monthly contribution, assumed annual return, time period, and compounding frequency. The chart separates your own contributions from investment growth so the source of the final portfolio value is easy to inspect.

Monthly compounding applies growth each month after the monthly contribution. Annual compounding applies the annual return at the end of each year. Real investment accounts can behave differently because market returns vary, fees reduce returns, and deposits may happen on different days.

Use this as a scenario model. Try conservative, moderate, and ambitious return assumptions to understand which part of the outcome depends on your savings behaviour and which part depends on market performance.