Free tool · your numbers stay on your device
Compound interest, live
Drag the sliders and the curve redraws. The solid line is your balance. The dashed line is what you actually put in. The space between them is growth, and it gets wide fast. Then scroll down to see every year in a table.
Free consultation. No obligation to enroll.
- Drag the sliders, watch the curve
- Full year-by-year table
- Everything runs on your device
- Results are estimates for education
You pick the rate. Nobody knows the real one ahead of time.
- Balance after 30 years
- $252,111
- You put in
- $73,000
- Growth
- $179,111
71% of the final balance is growth. You never deposited that money.
| Year | You put in | Balance |
|---|---|---|
| 0 | $1,000 | $1,000 |
| 1 | $3,400 | $3,551 |
| 2 | $5,800 | $6,286 |
| 3 | $8,200 | $9,219 |
| 4 | $10,600 | $12,364 |
| 5 | $13,000 | $15,736 |
| 6 | $15,400 | $19,352 |
| 7 | $17,800 | $23,230 |
| 8 | $20,200 | $27,388 |
| 9 | $22,600 | $31,846 |
| 10 | $25,000 | $36,627 |
| 11 | $27,400 | $41,753 |
| 12 | $29,800 | $47,250 |
| 13 | $32,200 | $53,144 |
| 14 | $34,600 | $59,464 |
| 15 | $37,000 | $66,241 |
| 16 | $39,400 | $73,509 |
| 17 | $41,800 | $81,301 |
| 18 | $44,200 | $89,657 |
| 19 | $46,600 | $98,617 |
| 20 | $49,000 | $108,224 |
| 21 | $51,400 | $118,526 |
| 22 | $53,800 | $129,573 |
| 23 | $56,200 | $141,418 |
| 24 | $58,600 | $154,120 |
| 25 | $61,000 | $167,740 |
| 26 | $63,400 | $182,344 |
| 27 | $65,800 | $198,004 |
| 28 | $68,200 | $214,797 |
| 29 | $70,600 | $232,803 |
| 30 | $73,000 | $252,111 |
The math, in plain English
Compounding is growth on top of growth. Your money earns a return, then that return earns its own return. Over long stretches, most of the final balance can come from growth, not from what you deposited.
Each month the balance grows by one twelfth of the yearly rate you set, then your monthly contribution is added. The table repeats that for every month of the timeline.
Three things move the number: time, the amount you put in, and the rate. Time and amount are yours to control. The rate is not. Try a low, middle, and high rate to see a range instead of a single guess.
No taxes, fees, or inflation are included. Investments can lose money, and real returns bounce around year to year.
Christian BrinkleyNC Life & Health · Greensboro, NC
Like what the curve shows? Make it real
The calculator shows the shape. A free 20-minute call puts your number next to real accounts and a real plan to start.
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Questions go directly to Christian Brinkley in Greensboro, NC at (919) 408-6671. They are not sold to other agents.