Investment

Compound Interest Calculator

Project compounded growth from principal, APR, and compounding frequency — then see the equivalent APY.

Results

Effective APY —

Final balance —

Interest earned —

Total growth —

Compounding reinvests earned yield. Daily compounding at the same APR produces a slightly higher APY than monthly compounding.

Final = Principal × (1 + APR/n)^(n×years). APY = (1 + APR/n)^n − 1. n = compounds per year.

$10,000 → APY ≈ 8.33%, final ≈ $12,710, interest ≈ $2,710.

12% APR compounded monthly ≈ 12.68% APY. Marketing often quotes the higher APY figure.

Is staking APY guaranteed?

No. Rates change, validators can slash, and smart-contract risk applies in DeFi. Educational projection only.

What is the difference between APR and APY?

APR is the nominal rate without compounding. APY includes compounding frequency effects.

Can I model weekly contributions?

This version compounds a fixed principal. Combine with the DCA calculator for contribution schedules.

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