Compound Interest Visualizer
Model growth with regular contributions, any compounding frequency and an inflation adjustment — then see exactly how much of the final balance is principal, deposits and interest.
- Nominal rate
- 7.00%
- Effective annual rate
- 7.229%
Compounding: 12× per year. The effective rate is what you actually earn over a year.
Final balance
$271,649
Of which interest
$176,649
65.0% of the balance
In today's money
$271,649
deposits $90,000
Composition over time
Rule of 72
- 72 ÷ nominal rate
- 10.3 years
- Actual (effective rate)
- 9.9 years
The rule of 72 approximates doubling time at 7.00% as 10.3y; the exact figure from the effective rate is 9.93y. Off by 0.35 years.
Deposit split
- Initial principal
- $5,000
- Total contributions
- $90,000
- Interest earned
- $176,649
Every month at the end of the period.
Year by year
| Year | Balance | Principal | Contributions | Interest | Real value |
|---|---|---|---|---|---|
| 1 | $9,079 | $5,000 | $3,600 | $479 | — |
| 2 | $13,453 | $5,000 | $7,200 | $1,253 | — |
| 3 | $18,144 | $5,000 | $10,800 | $2,344 | — |
| 4 | $23,173 | $5,000 | $14,400 | $3,773 | — |
| 5 | $28,566 | $5,000 | $18,000 | $5,566 | — |
| 6 | $34,349 | $5,000 | $21,600 | $7,749 | — |
| 7 | $40,550 | $5,000 | $25,200 | $10,350 | — |
| 8 | $47,199 | $5,000 | $28,800 | $13,399 | — |
| 9 | $54,329 | $5,000 | $32,400 | $16,929 | — |
| 10 | $61,974 | $5,000 | $36,000 | $20,974 | — |
| 11 | $70,172 | $5,000 | $39,600 | $25,572 | — |
| 12 | $78,962 | $5,000 | $43,200 | $30,762 | — |
| 13 | $88,388 | $5,000 | $46,800 | $36,588 | — |
| 14 | $98,495 | $5,000 | $50,400 | $43,095 | — |
| 15 | $109,333 | $5,000 | $54,000 | $50,333 | — |
| 16 | $120,955 | $5,000 | $57,600 | $58,355 | — |
| 17 | $133,417 | $5,000 | $61,200 | $67,217 | — |
| 18 | $146,779 | $5,000 | $64,800 | $76,979 | — |
| 19 | $161,107 | $5,000 | $68,400 | $87,707 | — |
| 20 | $176,472 | $5,000 | $72,000 | $99,472 | — |
| 21 | $192,947 | $5,000 | $75,600 | $112,347 | — |
| 22 | $210,613 | $5,000 | $79,200 | $126,413 | — |
| 23 | $229,555 | $5,000 | $82,800 | $141,755 | — |
| 24 | $249,868 | $5,000 | $86,400 | $158,468 | — |
| 25 | $271,649 | $5,000 | $90,000 | $176,649 | — |
About this tool
This visualizer steps through your timeline month by month, applying interest at the compounding frequency you choose and crediting contributions at the start or end of each period, so the contribution-timing difference is real rather than cosmetic. It reports the effective annual rate beside the nominal rate, splits the final balance into principal, contributions and interest on a stacked chart, and discounts everything back to today's money when you enter an inflation rate. All maths runs in your browser — nothing is sent anywhere and there is no account. Tax, fees and platform charges are not modelled.
- 100% free — no account needed
- Runs in your browser
- Nothing is uploaded
Frequently asked questions
Is Compound Interest Visualizer really free?
Yes. Compound Interest Visualizer is completely free on PureBrowser — every feature, with no account, no trial, and no credit card.
Does Compound Interest Visualizer upload my data?
No. Compound Interest Visualizer runs entirely inside your browser, so anything you type, paste, or open stays on your own device.
Do I need to sign up or install anything?
Neither. There is no account and nothing to download — open the page and Compound Interest Visualizer is ready to use on desktop or mobile.
Does Compound Interest Visualizer work offline?
Once the page has loaded, yes. All of the processing happens locally in your browser, so it keeps working without a connection.
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