Compound Interest Calculator

Calculate the future value of an initial investment plus monthly contributions. Adjust rate, term and compounding frequency. Ideal for planning savings and financial goals.

Valor futuro

$20.514,24

Intereses ganados

$7.514,24

Total aportado

$13.000,00

Crecimiento año a año

Saldo proyectado

$0,00$5.538,84$11.077,69$16.616,53$22.155,38año 1año 3año 5año 7año 9año 10Saldo proyectadoTotal aportado

Cómo se calcula

Sin aportes periódicos:

FV = P × (1 + r/n)^(n×t)

Con aportes periódicos al final de cada periodo (PMT):

FV = P × (1+r/n)^(n×t) + PMT × ((1+r/n)^(n×t) − 1) / (r/n)

Cómo usarla

  1. Initial capital. How much you invest today.
  2. Monthly contribution. How much you add each month (can be 0).
  3. Annual rate. Expected return rate.
  4. Years. Time horizon.

Ejemplos resueltos

  • USD 1 000 al 5% capitalización mensual a 10 años → USD 1 647.
  • Aportando USD 100/mes al 5% por 10 años → USD 15 528.

Preguntas frecuentes

What is compound interest?

Interest earned on top of accumulated interest. The longer the time and the more frequent the compounding, the more exponential the growth.

Does monthly vs annual compounding make a big difference?

At small rates, very little. At high rates or long periods, yes. Monthly typically yields 0.5-2% more than annual after 10 years.

Calculadoras relacionadas