Compound Interest & Future Value Calculator
Compute exponential wealth growth with flexible compounding frequencies, regular periodic contributions, and APY comparisons
Starting investment capital
Nominal annual rate (%)
Duration in years
Final Future Value (A)
$20,096.61
Compound Gain: +$10,096.61 (+100.97%)
Principal: $10,000.00 • Total Interest: $10,096.61
Effective Annual Yield (APY)
7.23%
Actual yearly return with compounding
Interest-to-Principal Multiplier
2.01×
Final Balance ÷ Initial Principal
Average Daily Accrual
$2.77 / day
Compound compounding rate
Rule of 72 Doubling Horizon
10.0 Years
Approximate time to double capital
Deposited every period
Annuity Future Accumulated Value
$102,481.93
Total Contributions: $50,000.00
Interest Earned from Deposits & Principal: $52,481.93
Total Cash Invested
$50,000.00
Principal + Sum of all PMT deposits
Compound Interest Earned
$52,481.93
Growth generated by compound interest
Wealth Multiplier Ratio
2.05×
Final Balance ÷ Total Invested
Total Period Deposits
180 Deposits
Count of periodic additions
Rule of 72 Doubling Analysis
Nominal annual percentage
Base capital amount
Exact vs. Rule of 72 Doubling Time
10.24 Years (Exact) vs 10.29 Years (Rule of 72)
High Accuracy Approximation
Target Doubled Capital: $10,000.00
Exact Doubling Years
10.24 Years
ln(2) / ln(1 + r/n) adjusted
Rule of 72 Estimate
10.29 Years
72 / Rate (Adjusted variant: 72 + Rate/3)
Quadrupling Time (4× Capital)
20.48 Years
Two successive doubling cycles
Decupling Time (10× Capital)
34.01 Years
ln(10) / ln(1 + r)