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Compounding frequency significantly impacts investment returns. Monthly compounding generates higher returns than annual compounding due to more frequent interest calculations. Over long periods, this difference compounds into substantial additional gains.
Input your starting investment amount.
Enter expected annual return rate (APR).
Select investment duration in years.
Choose how often interest compounds.
Optional: Add regular monthly contributions.
See total returns and year-by-year breakdown.
Input your starting investment amount.
Enter expected annual return rate (APR).
Select investment duration in years.
Choose how often interest compounds.
Optional: Add regular monthly contributions.
See total returns and year-by-year breakdown.
Compounding frequency significantly impacts investment returns. Monthly compounding generates higher returns than annual compounding due to more frequent interest calculations. Over long periods, this difference compounds into substantial additional gains.
The best choice depends on your individual financial situation, goals, and constraints. Use the calculators above to compare both options with your specific numbers.