Investment & Compound Interest Calculator

Simulate compound growth, compare High-Yield Savings Account (HYSA) APYs, calculate stock dividend DRIP returns, check ROI, or compute the Present Value of future capital.

Dividend mode is a scenario model. Dividend yield, share price, taxes, and reinvestment availability can change.

DRIP Enabled: Dividends are automatically used to purchase more shares, amplifying long-term compound growth.
Dividend model note: this projection assumes a steady dividend yield and 5% annual share-price appreciation. Real dividends and prices can change.

Investment Projection Summary

$193,367

Ending Portfolio Value

Total Cash Invested$20,000
Interest / Growth Earned+$173,367
Final Shares Owned571.02 shares

Wealth Accumulation Line

Year 0Year 25

Frequently Asked Questions

What is Compound Interest?

Compound interest is interest calculated on the initial principal plus all of the accumulated interest from previous periods. It creates an exponential growth curve over time, often described as 'interest on interest'.

What is DRIP (Dividend Reinvestment Plan)?

A DRIP automatically reinvests cash dividends back into additional shares or fractional shares of the underlying stock. This increases the total number of shares you own, which in turn increases future dividend payments.

What is the difference between ROI and Annualized ROI?

Absolute ROI shows your total returns over the entire investment lifespan (e.g., a 100% return over 10 years). Annualized ROI (CAGR) calculates the geometric average annual return rate, allowing you to compare returns across different time frames.

What is Present Value?

Present Value (PV) is the current value of a future sum of money, discounted at a specific rate of return. It answers: 'How much money must I invest today at X% return to have $Y in Z years?'