Compound Interest Calculator
Calculate how your investment grows over time with compound interest. Adjust the parameters and see results in real time.
€
€
%
years
Compounding frequency
Total value€56,435
Total invested€25,000
Total return€31,435
InvestedInterest earned
Pure mathematics — no annually updated constants.
Time is an investor's most valuable tool
Compound interest is the phenomenon where your investment returns begin generating their own returns. It transforms the linear growth of saving into an accelerating curve.
Amount invested 25,000 €
Return earned +30,000 €
Final balance 55,000 €
A = P(1 + r/n)^(nt) P = Principal · r = Annual rate · n = Compounding periods/year · t = Years Oitia Insight
The biggest mistake in investing isn't picking the wrong stock — it's waiting. A small amount today is worth more than a large amount ten years from now. The longer you let the snowball roll, the greater the share of returns becomes.