Let time compound your wealth

A free online calculator for investment returns, recurring contributions, and long-term wealth growth.

Assets after 30 years

¥4,471,077

Principal

¥1.18M

Profit

¥3.29M

Annual

8.00%

Model long-term returns with clarity

Estimate lump-sum investing, recurring contributions, CAGR, and FIRE targets with one responsive model.

Scenario presets

Apply a preset annual return and refresh the model instantly.

Compound Interest Calculator

¥
¥
%
yrs

Compounding frequency

Final amount

¥5,594,459

Estimated ending portfolio

Total principal

¥1,180,000

Total profit

¥4,414,459

Total return

374.11%

Asset growth

Principal and profit

Principal vs investment profit

Example: invest 3,000 every month at 8% annually for 30 years

Assuming monthly compounding, total principal is ¥1,080,000 and the estimated final amount is ¥4,500,886.

Start calculating

Calculation guides

Each calculator shows the assumptions behind the result, so you can understand the model instead of only reading a number.

How to read compound growth

Compound models are useful for long-term investing, savings goals, and retirement planning. Results depend on annual return, time horizon, compounding frequency, and recurring contributions.

What DCA estimates

The DCA calculator treats each contribution as a separate cash flow and compounds it over the remaining period. It helps compare contribution amount, duration, and assumed return.

When CAGR helps

CAGR converts total growth over a period into a smoothed annual rate, making it easier to compare investments, business revenue, or portfolio values across different time spans.

FIRE targets are estimates

The FIRE model estimates years to target from expenses, withdrawal rate, current assets, and monthly investing. It should not replace cash-flow, tax, insurance, or market-risk planning.

Learn before you calculate

Read practical guides about compound interest, DCA, CAGR, FIRE planning, retirement assumptions, withdrawal rates, and calculator limitations before relying on any estimate.

Visit the learning center

FAQ

Plain-language answers for compound interest, DCA, CAGR, and FIRE assumptions.

What is compound interest?

Compound interest reinvests earned returns so both principal and accumulated gains can grow in future periods.

What is the compound interest formula?

A common lump-sum formula is FV = PV × (1 + r / n) ^ (n × t). With recurring investments, each cash flow is compounded period by period.

How are DCA returns calculated?

Dollar-cost averaging adds a fixed amount weekly, monthly, or quarterly, then compounds each contribution at the matching periodic return.

How do you calculate CAGR?

CAGR = (Ending Value / Beginning Value) ^ (1 / Years) - 1. It measures the smoothed annual growth rate over a period.

What does FIRE mean?

FIRE stands for Financial Independence, Retire Early. A common target is annual expenses divided by a safe withdrawal rate, often 4%.

Who is this calculator for?

It is useful for fund investing, index investing, retirement planning, education funding, FIRE planning, and long-term savings goals.