Lump sum
A = P(1 + r/n)^(nt)
Compound Interest
Exponential Growth Dynamics
Experience the magic where interest earns interest. Graph the snowball effect of your wealth.
20년 뒤 예상 자산
₩561,314,048
Total Principal
₩250,000,000
Total Interest
+₩311,314,048
Compound interest lets returns earn more returns
This calculator estimates future balance, total contributions, and expected interest from an initial deposit, monthly contributions, annual return, and time horizon. It is most useful for seeing how time and recurring deposits change long-term outcomes.
Compound interest rules
Monthly deposits
FV = PMT × ((1 + r)^n - 1) / r
Interest earned
Interest = future value - total principal
How to use
- Enter your initial deposit and planned monthly contribution.
- Set an annual return and investment period using realistic assumptions.
- Compare final balance, total principal, and estimated interest earned.
Frequently asked questions
Are monthly contributions compounded?
Yes. The tool applies a monthly rate, so each contribution compounds for the remaining months.
Is the return before tax?
Yes. It uses the rate you enter. Reduce the rate or final result separately for taxes, fees, and inflation.
Can I use a high expected return?
You can, but long-term plans should use realistic averages and allow for market downturns.
This tool is for general calculation. Confirm official financial figures and product terms with the relevant institution.