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Compound Interest Calculator
A lump sum plus optional monthly saving, compounded — see the balance, what you put in, and what growth added.
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What this book teaches
The one force in personal finance that does something for nothing — money earning on the money it already earned. You’ll see compound growth year by year, estimate any doubling time in your head with the rule of 72, weigh the real cost of waiting to start, compare accounts on true yield (APY), strip out inflation, and watch how a small fee compounds against you over decades.
Free tools for this book
Rule of 72
Doubling time at any rate, the rate needed to double in a set time, and the doublings in between.
The Cost of Waiting
What delaying the start of regular saving really costs by the same end date.
Savings-Goal Planner
The monthly amount to hit a target by a date — with interest doing some of the work.
Rate, Frequency & APY
Turn a nominal rate and its compounding frequency into the true yield.
Real vs Nominal Return
Take inflation out of a return to see real growth in buying power.
Fee Drag
How a small annual fee compounds against you over the decades.
Savings Toolkit
All eleven of the book’s saving tools, gathered and sized to print. No sign-up.
All chapters
- 1What Compound Interest Really Is
- 2The Cost of Waiting
- 3The Rule of 72
- 4Saving a Little, Regularly
- 5Reaching a Goal
- 6Rate, Frequency & APY
- 7Inflation: Real vs Nominal
- 8When Compounding Works Against You
- 9Putting It Together: Your Growth Plan
- ★Bonus — The Emergency & Sinking Fund
- ★Bonus — Understanding Investment Returns (no hype)