Compound interest calculator

Compound interest calculator icon

The compound interest calculator helps you work out:

  • what money you'll have if you save a regular amount
  • how compounding increases your savings interest
  • the difference between saving now and saving later
  • how to calculate compound interest

For more information see disclaimers & assumptions and FAQs below.

Estimated time: 5 mins


Disclaimers & assumptions


  • A model not a prediction. Results are only estimates, the actual amounts may be higher or lower. We cannot predict things that will affect your decision such as movements in interest rates.
  • This calculator is not intended to be your sole source of information when making a financial decision. You should consider whether you should get advice from a licensed financial adviser.
  • Refer to the "How compound interest works" section at the bottom of the calculator for more detail.


  • Initial deposit is made today
  • Regular deposits are made at the end of year, month, fortnight, week, or day (according to the deposit frequency you nominated)
  • Interest is credited either monthly or annually, in line with standard industry practice
  • The delayed start comparison feature will have the same regular deposit frequency

FAQs - frequently asked questions

Q. Are the results of the compound interest calculator shown in today's dollars?

A. The results of this calculator are shown in future dollars. No adjustment has been made for inflation.

Q: Why have you changed the calculator?

A: We upgrade our calculators regularly due to technological advances, regulatory changes and customer feedback. Once a calculator has been upgraded, the old version will no longer be available.

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Last updated: 05 Mar 2018