Compound Interest & CAGR Calculator
Compound interest calculates exponential capital accumulation where earned returns are continuously reinvested into the principal base according to FV = PV × (1 + r / 100)^t.
Total compounded portfolio balance at maturity
Starting lump-sum capital invested at t = 0
Nominal compound annual growth rate (CAGR) in percent
Duration of compounding in years
Step-by-Step Calculation
Compound interest calculates exponential capital accumulation where earned returns are continuously reinvested into the principal base according to FV = PV × (1 + r / 100)^t.
Real-World Reference Values
Long-run annualized equity return with dividends reinvested
Sovereign fixed-income baseline benchmark
Liquid money-market yield floor
20-Row Comparison Table
Future Value (FV) · Initial Principal (PV)
| # | Initial Principal ($) | Future Value ($) | Δ % |
|---|---|---|---|
| 01 | 100 $ | 259.3742 $ | -99.00% |
| 02 | 4,238.75 $ | 10,994.23 $ | -57.61% |
| 03 | 10,000.00 $Current | 25,937.42 $ | 0.00% |
| 04 | 12,516.25 $ | 32,463.93 $ | +25.16% |
| 05 | 16,655.00 $ | 43,198.78 $ | +66.55% |
| 06 | 20,793.75 $ | 53,933.63 $ | +107.94% |
| 07 | 24,932.50 $ | 64,668.48 $ | +149.32% |
| 08 | 29,071.25 $ | 75,403.34 $ | +190.71% |
| 09 | 33,210.00 $ | 86,138.19 $ | +232.10% |
| 10 | 37,348.75 $ | 96,873.04 $ | +273.49% |
| 11 | 41,487.50 $ | 107,607.89 $ | +314.88% |
| 12 | 45,626.25 $ | 118,342.74 $ | +356.26% |
| 13 | 49,765.00 $ | 129,077.59 $ | +397.65% |
| 14 | 53,903.75 $ | 139,812.45 $ | +439.04% |
| 15 | 58,042.50 $ | 150,547.30 $ | +480.42% |
| 16 | 62,181.25 $ | 161,282.15 $ | +521.81% |
| 17 | 66,320.00 $ | 172,017.00 $ | +563.20% |
| 18 | 70,458.75 $ | 182,751.85 $ | +604.59% |
| 19 | 74,597.50 $ | 193,486.70 $ | +645.97% |
| 20 | 78,736.25 $ | 204,221.55 $ | +687.36% |
Frequently Asked Questions
How do I reverse compound interest to solve for CAGR?+
Select r (%) as the target variable. The engine applies r = ((FV / PV)^(1 / t) - 1) × 100 to isolate the exact compound annual growth rate.
How is time to reach a target portfolio calculated?+
Locking t applies logarithmic inversion t = ln(FV / PV) / ln(1 + r / 100) to compute the exact years required.
What is the difference between CAGR and simple average return?+
CAGR accounts for compounding volatility drag across multi-year periods, whereas an arithmetic mean overstates multi-period wealth accumulation.