Compound Interest Calculator
Project how your investments grow over time with compound returns.
Compound Interest Calculator
Results update automatically as you type.
Your estimate
Future value
R 1 885 141
Total contributions
R 530 000
Total interest earned
R 1 355 141
The power of compound interest
Compound interest means you earn returns on both your original investment and on accumulated interest. Over long periods, this snowball effect can dramatically grow wealth.
Regular contributions amplify compounding. Even modest monthly deposits into a tax-free savings account or unit trust can build substantial value over decades.
Inflation reduces real purchasing power, so compare nominal growth against expected inflation for a realistic view of your future wealth.
Frequently asked questions
What rate of return should I assume?+
Historical equity returns in South Africa have averaged around 10–12% nominally, but future returns vary. Conservative planning often uses 6–8% after inflation.
How often is interest compounded?+
Compounding frequency affects growth. Monthly or daily compounding yields slightly more than annual compounding at the same stated rate.
Is compound interest only for investments?+
No — debt also compounds. Credit card and personal loan interest works against you the same way investment returns work for you.
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