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Regular Contributions
Future Value
—
Total Principal
—
Total Contributions
—
Total Interest
—
APY (Effective Rate): —
Rule of 72 — doubles in: —
Breakdown
Interest
Contributions
Principal
Growth Over Time
Interest
Contributions
Principal
Compounding Frequency Comparison
| Frequency | Future Value | Total Interest | APY |
|---|
Accumulation Schedule — Year by Year
| Year | Deposits | Interest | Balance |
|---|
| Period | Deposits | Interest | Balance |
|---|
Compound interest grows your balance exponentially because each period's interest is added to the principal, so future interest is earned on a larger base.
Future Value (principal only):
A = P × (1 + r/n)n×t
With regular contributions (annuity):
A = P×(1+r/n)nt + PMT × [ ((1+r/n)nt − 1) / (r/n) ]
Continuous compounding:
A = P × er×t
P = Principal · r = Annual rate (decimal) · n = Compounding periods/yr · t = Years · PMT = Periodic contribution
APY (Effective Annual Rate):
APY = (1 + r/n)n − 1
Rule of 72:
Years to double ≈ 72 ÷ annual rate (%)
Results are estimates for illustrative purposes only. Actual returns will vary based on specific rates, fees, taxes, and market conditions. Consult a qualified financial advisor for personalized guidance.