Compound Interest Calculator

Compound interest is how small gains turn into serious money over time. Instead of withdrawing profits, you reinvest them. Your profits start earning their own profits. Here's a simple example: You have $10,000 and make 5% monthly. After month one, you have $10,500. In month two, you earn 5% on $10,500—not the original $10,000. That extra $25 doesn't sound like much, but multiply this over years and the numbers get wild. Einstein supposedly called compound interest the eighth wonder of the world. Whether he actually said that or not, the math is real. A consistent 5% monthly return—if you could maintain it—turns $10,000 into over $180,000 in just three years. Of course, there's a dark side. Compound losses work the same way. Lose 10% of your account, and you need 11% just to get back to even. Lose 50%, and you need 100% to recover. That's why capital preservation matters more than aggressive gains.