Compound Interest Pro – Wealth

Compound interest calculator for investing, saving and withdrawing. Solve for future value, deposits, years or rate. View charts and period tables. Plan with confidence.

Compound Interest Professional is a highly precise asset management simulator that lets you calculate savings plans, withdrawals, goal achievements, required rates of return, and more. It visualises your future asset growth with graphs and tables, so you can track the principal, interest, and balance for each period.

Key Features

1. Future Value Calculator Enter your initial principal, regular contributions, and interest rate to project your total future assets. Add a withdrawal amount to simulate scenarios where you're drawing down the principal while continuing to invest.

2. Contribution/Withdrawal Calculator Figure out how much you need to save each month (or year) to hit your target, or how much you can withdraw per period.

3. Time to Goal Calculator Calculate how many years it will take to reach your target based on your contribution amount and interest rate. Supports withdrawal scenarios too.

4. Required Rate of Return Calculator Find out the annual yield you need to achieve your goal.

Features

• Results are shown in graphs and tables, so you can easily check details for any period.
• Handles annual/monthly compounding, plus regular savings and withdrawals.
• High-precision decimal calculations to keep errors to a minimum.

Flexible and Accurate

• Professional-grade precision using high-accuracy decimal maths — no rounding errors. • Choose between yearly or monthly compounding and contribution frequencies. • Instant recalculation: change any figure and the results update immediately. • No registration, no ads, no tracking — your data stays on your device.

Use Cases

• Planning savings for retirement or education funds.
• Savers and investors planning for the long term
• Assessing risks during withdrawal phases.
• Comparing strategies like DCA (Dollar-Cost Averaging), ETFs, or REITs.
• ISA, LISA and SIPP contribution planning
• Workplace pension and auto enrolment projections
• Premium Bonds expected returns over time
• State pension top-up scenarios
• Mortgage overpayment and offset modelling
• DCA into UK ETFs, US ETFs, or REITs
• FIRE (Financial Independence, Retire Early) target calculations

An asset management tool that lets you accurately and simply see the full power of compound interest.

Example Scenarios

“If I invest £300 per month for 15 years at 5%, what will I have?”

“How much can I withdraw monthly from £200,000 at 4%?”

“What rate do I need to reach £1 million in 25 years?”

“How long will my savings last if I withdraw £1,500 each month?”

"If I max out my £20,000 ISA allowance for 10 years at 6%, what will I have?"

"If I contribute £500/month to my SIPP for 30 years at 5%, what's the pot at 65?"

"If I overpay my mortgage by £200/month, how many years do I save?"

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