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math.finance-compound-interest Calculator
Calculates future value under compound interest at different compounding frequencies (annual, monthly, daily, continuous), showing the difference between APR and APY. Daily compounding adds roughly 0.5 percentage points over annual compounding at typical savings rates — small individually, large over decades.
Inputs
P
Original borrowed or invested amount before interest. Interest accrues on the outstanding principal balance.
R
Yearly rate as a percentage. The calculator converts this to the appropriate period rate automatically.
N
Reference formula or conversion factor shown for context.
T
Reference formula or conversion factor shown for context.
Results
future value
What your investment will be worth at the end of the period. The power of compounding: $10,000 at 8% for 30 years grows to about $100,000.
interest earned
Sample size or count used in the calculation.
effective annual rate
The result expressed on a per-year basis.
total
The combined total across all inputs and components.