Compound Interest Calculator
See what a starting balance and a monthly contribution grow into once interest starts earning interest, with a year-by-year breakdown.
All one hundred calculators in one place. Filter by name, narrow to a category, or star the ones you use often so they are a click away next time.
Every tool on this page works the same way: type a number, get an answer immediately, and read the formula underneath if you want to check it. Nothing asks for an account, nothing sends your figures anywhere, and every page carries at least one worked example calculated by hand.
If you know what you are looking for, the filter box above is quickest — it matches names, slugs and keywords, so typing house finds the affordability calculator and typing fba finds the Amazon profit tool. If you are browsing, the category chips narrow the grid without reloading the page, and you can select more than one at a time. The star on any calculator page adds it to your favourites, which are stored in your own browser and can be filtered here with the Favourites chip.
See what a starting balance and a monthly contribution grow into once interest starts earning interest, with a year-by-year breakdown.
Calculate interest charged on the original principal only — the way short-term loans, some bonds and many promissory notes actually work.
Project a savings balance from a starting amount, a regular monthly deposit and an interest rate, and see how much of it is deposits versus interest.
Turn a start value, an end value and the money you added along the way into a total return and an annualised return you can compare fairly.
Measure return on investment as a percentage of what you put in, so a $400 gain on $2,000 can be compared with a $4,000 gain on $50,000.
See what a sum of money will be worth after years of inflation, and how much you would need later to buy what it buys today.
Compare the nest egg you are on track to build with the one your target retirement income needs, and see the gap in today's money.
Enter every balance, rate and minimum, add whatever extra you can afford, and compare snowball against avalanche month by month.
Work out the fixed monthly payment on any amortising loan, plus total interest, total cost and a full payment schedule.
Find out how many months a card balance takes to clear at your current payment, and what the interest costs you along the way.
Fold origination fees and points into the quoted rate to get the annual percentage rate that lets you compare loan offers honestly.
Convert a nominal rate and a compounding frequency into annual percentage yield, the number that makes two savings accounts comparable.
Compress a lumpy multi-year result into one smoothed annual growth rate so different investments and business lines can be ranked.
Project what a lump sum, a stream of payments, or both together will be worth at a chosen date and rate of return.
Discount a future amount back to what it is worth today, the single idea behind valuing offers, settlements and investments.
Add up everything you own, subtract everything you owe, and see the one number that tracks financial progress better than income does.
Lay income against itemised spending to find your monthly surplus or deficit and see what share each category takes.
Split take-home pay into 50% needs, 30% wants and 20% savings, then check the split against what you actually spend.
Size a cash buffer from your real essential spending, then see the shortfall and how many months of saving closes it.
Divide what you save by what you earn to get the percentage that predicts how many working years stand between you and financial independence.
Build a full monthly housing payment — principal, interest, tax, insurance, HOA and PMI — with a complete amortisation schedule.
Work backwards from income, debts and a deposit to the highest house price a 28/36 debt-to-income test will actually approve.
Calculate an EMI on any home loan tenure, then add a prepayment to see the interest saved and the months cut from the term.
Compare the full cost of renting against owning over your real time horizon, including appreciation, and find the break-even year.
Test a rental deal properly: monthly cash flow, cap rate, cash-on-cash return and an estimated internal rate of return.
Turn annual rent, purchase price and running costs into gross and net yield so two rental properties can be compared on one scale.
Find the deposit a purchase price needs, how long saving takes at your current rate, and where the 20% PMI threshold sits.
Measure the equity in your home, the share a lender will actually let you borrow against, and your combined loan-to-value ratio.
Itemise lender, title, prepaid and government fees to see total closing costs, what they are as a share of price, and cash to close.
Apply a mill rate or percentage to an assessed value, subtract exemptions, and get annual, monthly and effective property tax.
Turn revenue and cost into a margin percentage, the figure that tells you what share of every sale you actually keep.
Convert between cost, markup and selling price — and between markup and margin, the two numbers people mix up most often.
Find the unit volume and revenue at which fixed costs are finally covered, and chart how profit behaves either side of that point.
Judge a project, hire or piece of equipment by return on investment, annualised return and the payback period in months.
Compare two periods to get growth percentage, then annualise it so month-on-month and year-on-year figures stop misleading you.
Subtract cost of goods sold from revenue to get gross profit and gross margin, the first health check on any product line.
Take revenue down through COGS, operating expenses, interest and tax to the bottom line and the net margin behind it.
Express operating income as a share of revenue to see how efficiently the core business runs before financing and tax.
Divide total sales and marketing spend by new customers won to get CAC, the ceiling every growth plan has to respect.
Estimate the gross profit one customer contributes over their whole relationship, then check it against CAC as a ratio.
Strip product cost, shipping, platform fees, ad spend and returns out of an order to find what you really keep per sale.
Model a Shopify order end to end — plan fee, payment processing, product cost, shipping and ads — and get your break-even ROAS.
Stack referral fee, FBA fulfilment, storage, returns and PPC against your price to get net profit, margin, ROI and break-even ACoS.
Back-solve the selling price that hits your target margin after percentage fees, per-order fees and shipping are taken out.
Compare actual weight with dimensional weight, apply the carrier's divisor and zone rate, and get the billable cost per parcel.
Set a wholesale price that keeps your margin intact and still leaves a retailer room for a workable keystone markup.
Apply single or stacked discounts, add tax, and see the final price, the amount saved and the true effective discount rate.
Add tax to a net price or strip it back out of a gross one, with the tax amount shown separately for bookkeeping.
Convert sessions and orders into conversion rate, revenue per visitor, and a simulator showing what a small uplift is worth.
Measure advertising return against real gross profit, not revenue, so ROAS stops flattering campaigns that lose money.
Turn conversions and visitors into a percentage, or reverse-solve the traffic needed to hit a conversion target.
Divide clicks by impressions to get click-through rate for ads, emails and search listings, with benchmarks to read it against.
Work out cost per click from spend and clicks, and see the maximum CPC your conversion rate and margin can support.
Price impressions per thousand, convert between CPM and CPC using CTR, and budget a reach campaign accurately.
Get return on ad spend as a ratio, then compare it with the break-even ROAS your gross margin actually requires.
Take revenue down to gross profit before subtracting ad spend, giving the return figure a finance team will accept.
Calculate open rate on delivered mail, plus click rate and click-to-open rate — the metric that isolates content from subject line.
Measure social engagement against followers and against reach, the two versions of the metric that tell very different stories.
Price an organic ranking in ad money: search volume, a position CTR curve and CPC give the monthly value of that traffic.
Track leads through MQL, SQL and closed deals to get stage conversion rates, pipeline value and cost per lead.
Three modes in one tool: what is X% of Y, X is what percent of Y, and the percentage increase or decrease between two numbers.
Add, subtract, multiply and divide fractions with automatic simplification, mixed-number conversion and a decimal equivalent.
Paste a list of numbers and get mean, median, mode, range, count and sum together, so outliers cannot hide behind the mean.
Simplify a ratio, solve for a missing term, scale a recipe or mix, and convert between ratio, fraction and percentage.
A full keypad with trigonometry, logarithms, powers, roots, factorials and constants, parsed safely without ever using eval.
Raise any base to any power, including negative and fractional exponents, with scientific notation for very large results.
Find square roots, cube roots and any nth root, with simplified radical form and a perfect-square check for whole numbers.
Compute single-event, union, intersection, complement and at-least-once probabilities for independent and dependent events.
Get population or sample standard deviation, variance, mean and standard error from a dataset, with every step shown.
Calculate area for eight shapes — square, rectangle, triangle, circle, trapezoid, parallelogram, ellipse and sector — in any unit.
Calculate Body Mass Index from height and weight in metric or imperial units, see your WHO category and your healthy weight range.
Estimate basal metabolic rate — the energy your body burns at complete rest — using Mifflin-St Jeor or Harris-Benedict.
Multiply your BMR by an activity factor to get total daily energy expenditure, the calorie number every diet plan starts from.
Get maintenance calories plus cutting and bulking targets, with the weekly weight change each target implies.
Split a calorie target into protein, carbohydrate and fat grams using 4/4/9 energy values and a split that suits your goal.
Set a daily protein target from body weight, training load and goal, then split it sensibly across your meals.
Estimate body fat percentage with the US Navy tape method, and see lean mass plus the category your result falls into.
Compare the Devine, Robinson, Miller and Hamwi formulas side by side, plus the healthy BMI weight range for your height.
Estimate a daily fluid target from body weight, exercise minutes and climate, shown in litres, cups and fluid ounces.
Solve for pace, time or distance, get a splits table for your target, and see equivalent times at common race distances.
Calculate concrete volume for slabs, footings and columns in cubic feet, yards and metres, plus bag counts and material cost.
Work out gravel volume and tonnage for a driveway or path from area and depth, with truckload counts and delivered cost.
Convert bed area and mulch depth into cubic yards and two-cubic-foot bags, so you order once and finish the job.
Turn room dimensions and plank size into boxes of flooring, including the waste allowance your layout and cut pattern need.
Subtract doors and windows from wall area, apply coverage and coats, and get the gallons or litres to buy plus cost.
Apply a pitch multiplier to the building footprint to get true roof area, roofing squares, bundles and underlayment rolls.
Get tile count, boxes, grout and adhesive for a floor or wall, with a waste percentage that matches your layout.
Measure rooms of any shape, add them together, and convert the total between square feet, square metres and square yards.
Calculate sand volume and weight for bedding, sandboxes or paver bases using the density of the sand type you are buying.
Convert an appliance's wattage and run time into kilowatt-hours, then into daily, monthly and yearly cost and CO2.
Convert letter grades and credit hours into a 4.0 grade point average, with a weighted option for honours and AP courses.
Combine assignment scores and their weights into a current course grade, letter grade and the points still available.
Find the exact score you need on a final exam to finish a course at your target grade, given its weight.
Check your attendance percentage against a required minimum, and see how many classes you must attend or can still miss.
Get an exact age in years, months and days from any birth date, plus total days lived and a countdown to the next birthday.
Measure the gap between two dates in years, months, weeks and days, with an option to include or exclude the end date.
Count calendar days, weeks and business days between two dates, with weekends and named holidays excluded on request.
Subtract a start time from an end time, take out breaks, and get the result in hours, minutes and decimal hours.
Add up a week of shifts with breaks, split regular from overtime hours, and turn the total into gross pay.
See the weekday you were born, days until your next birthday, milestone dates like 10,000 days, your zodiac sign and generation.
No calculator matches those filters — try a shorter word, or clear them with the button above.
Start from the question rather than the name. If you are asking what something will be worth later, you want the compound interest or future value calculator. If you are asking what something costs you, start with loan payment or credit card interest. If you are asking whether a price works, the profit margin and break-even tools are the pair to reach for, and the product pricing calculator solves the same relationship backwards.
Health questions chain together in a fixed order: BMR gives what you burn at rest, TDEE adds your activity, calories turns that into a goal, and macros splits the goal into grams. Construction questions almost all start with square footage, because area is the input every material calculation needs.
The default order puts the twenty-one most-used calculators first and then follows the order they appear in our index, which groups them by subject. A – Z is the obvious alternative when you know the name. Newest reverses the index order, which surfaces the everyday and construction tools that were added last.
Category chips are additive rather than exclusive: select Finance and Mortgage together and you see all thirty of those tools at once, which is useful when a question straddles both. The count beside the chips updates live, so you can see how much a filter narrowed things before you scroll.
One habit that pays off: the filter box matches keywords as well as names. Several calculators are best found by the problem rather than the title — typing overtime finds the work hours calculator, deposit finds the down payment one, and macros finds the macro calculator even though the page is titled differently. If a search you would expect to work does not, that is a gap in our keywords and we would like to hear about it.
Whatever you open from this grid, the page is built the same way. There is a calculator card at the top that updates as you type, with sliders on the fields where dragging is faster than typing and unit toggles where two systems are in common use. Below it sits the result panel: one headline figure, two to four supporting numbers, and — where it helps — a chart or a full breakdown table.
Under that comes the writing: how to use the tool, the formula with every variable defined, at least one example worked through by hand, how to read the result, and where the method stops being reliable. That last section is the one we spend longest on, because a number without its caveats is worse than no number at all.
Every page also offers three things at the bottom of the result panel. Copy puts the inputs and the result on your clipboard as plain text. Share link builds a URL with your numbers in it, so a colleague opens the same calculation rather than a blank form. Print produces a clean one-page sheet with no navigation and no advertising on it.
Each of the nine category pages explains its own tools in more depth and says which one to choose when two look similar. If none of the hundred answers your question, email info@factonisam.com — a fair number of these started as a request.