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Compound Interest Calculator
See how savings grow with compound interest and regular deposits — any compounding frequency, tax and inflation — and export to CSV, Excel or PDF.
Savings
Deposit at the
% / year
% / yr
%
% / yr
Result
Future value
941,112.35
- Total deposits
- 700,000.00
- Total interest
- 241,112.35
- Annual yield (APY)
- 5.116%
- Doubles in
- 13.9 years
Year 1DepositsInterestYear 10
Growth schedule
| Year | Deposit | Interest | Total deposits | Total interest | Balance |
|---|---|---|---|---|---|
| 1 | 160,000.00 | 6,510.47 | 160,000.00 | 6,510.47 | 166,510.47 |
| 2 | 60,000.00 | 9,913.27 | 220,000.00 | 16,423.74 | 236,423.74 |
| 3 | 60,000.00 | 13,490.16 | 280,000.00 | 29,913.90 | 309,913.90 |
| 4 | 60,000.00 | 17,250.06 | 340,000.00 | 47,163.96 | 387,163.96 |
| 5 | 60,000.00 | 21,202.32 | 400,000.00 | 68,366.28 | 468,366.28 |
| 6 | 60,000.00 | 25,356.79 | 460,000.00 | 93,723.07 | 553,723.07 |
| 7 | 60,000.00 | 29,723.80 | 520,000.00 | 123,446.87 | 643,446.87 |
| 8 | 60,000.00 | 34,314.24 | 580,000.00 | 157,761.11 | 737,761.11 |
| 9 | 60,000.00 | 39,139.54 | 640,000.00 | 196,900.64 | 836,900.64 |
| 10 | 60,000.00 | 44,211.70 | 700,000.00 | 241,112.35 | 941,112.35 |
How compound interest works
- Compound interest (ดอกเบี้ยทบต้น) earns interest on past interest as well as on what you deposited: FV = P × (1 + r/n)n·t, plus the growth of every regular contribution.
- Compounding is how often interest is added to the balance. More often means slightly more growth; the annual yield (APY) shows the real yearly rate after compounding and tax.
- Deposits at the start of the period earn one extra period of interest compared with the end (an annuity due versus an ordinary annuity).
- Tax on interest: in Thailand bank deposit interest is normally withheld at 15%. Tax-free accounts and funds use 0%.
- Inflation shows what the future balance is worth in today's money. “Doubles in” is the exact version of the rule of 72.
- The balance is simulated month by month, using the monthly rate equivalent to the chosen compounding. Results are estimates; real accounts round and credit interest on their own dates.
- CSV and Excel export the full monthly schedule and summary; PDF opens your browser's print dialog — choose “Save as PDF”.