Investing

Compound Interest Calculator

Watch how consistent contributions and time turn a modest starting balance into meaningful long-term wealth.

See the power of long-term investing. Time and compounding do most of the heavy lifting.

Initial deposit

Regular contribution

Contribution frequency

Start date

Expected return (annual)

Time period

years

Projection runs from 25 Sept 2026 to 25 Sept 2046.

Enter an initial deposit or a regular contribution to see your projection.

Disclaimers

This is a model, not a prediction. Actual results may be higher or lower, we cannot predict changing interest rates or other factors that will affect your decision.
The calculator is a guide only and is not intended to be your sole source of information when making a financial decision.

Assumptions

The initial deposit is made on the start date you select (today by default).
Regular deposits are made at the end of each year, month, fortnight, week or day, based on the deposit frequency you set.
Interest is credited either monthly or annually, in line with standard industry practice.
Results are shown in future dollars, no adjustment has been made for inflation.
Any delayed-start comparison uses the same regular deposit frequency as your main strategy.

Assumptions and disclaimers adapted from ASIC MoneySmart.

A conversation with FI Advice is complimentary, obligation-free, and entirely focused on your goals.