Compounding Frequency Tool Calculator

Test daily, monthly, quarterly, or continuous growth instantly. See interest, effective rate, and periods clearly. Download results, share scenarios, and decide with confidence today.

Calculator

Starting amount invested or borrowed.
Nominal annual rate, before compounding.
Use decimals for partial years.
Continuous uses an exponential model.
Optional recurring addition each compounding period.
Beginning matches an annuity-due assumption.
Reset

Formula Used

  • Periodic compounding: FV = P × (1 + r/n)^(n×t)
  • Effective annual rate: EAR = (1 + r/n)^n − 1
  • Continuous compounding: FV = P × e^(r×t)
  • With contributions: an annuity term is added (ordinary or due).

P is principal, r is annual rate, n is periods per year, and t is years.

How to Use

  1. Enter your principal, annual rate, and time horizon.
  2. Choose a frequency to see how growth changes.
  3. Optionally add contributions and set their timing.
  4. Press Calculate to view results and a snapshot table.
  5. Download CSV or PDF to share or document scenarios.

Example Data Table

Principal Annual Rate Years Frequency Contribution Example Future Value
10,000 8% 5 Monthly 0 14,898.46
10,000 8% 5 Quarterly 100 22,789.01
25,000 6.5% 10 Daily 200 64,745.70

Example future values are illustrative, based on standard assumptions.

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Important Note: All the Calculators listed in this site are for educational purpose only and we do not guarentee the accuracy of results. Please do consult with other sources as well.