Compound Interest Calculator — 40-Year Growth Table & Scenario Comparison | Excel

Visualize the most powerful force in personal finance — compound interest — and see exactly how your money grows over time.

This Excel calculator gives you instant results from just 6 inputs:

• initial capital

• monthly contribution

• annual return rate

• years

• compounding frequency

• inflation rate
  
  

Change any input and every result updates automatically.

What's included (3 sheets):

• Calculator — 6 key results including:

  • future value

  • total invested

  • pure interest earned

  • inflation-adjusted real value

  • money multiplier

  • Rule of 72

• 40-Year Annual Growth Table — year-by-year breakdown showing:

  • starting balance

  • annual contribution

  • annual return

  • year-end balance

  • total invested

  • pure gain for every single year

• Scenario Comparison — 6 pre-built scenarios side by side:

  • Conservative

  • Moderate

  • Aggressive

  • Savings only

  • Late start

  • Early start
    
    

Key outputs you get instantly:
✔ Future value of your investment at any rate and timeframe
✔ Total interest earned vs. total amount invested
✔ Real purchasing power adjusted for inflation
✔ Money multiplier showing how many times your capital grows
✔ Rule of 72 — exact years to double your money at your current rate
✔ Side-by-side scenario comparison to see the cost of waiting

Built with industry-standard color coding.
Zero formula errors guaranteed.
Compatible with Excel 2016+ and Google Sheets.
Fully editable.
Bilingual English and Spanish.

Perfect for:

• retail investors

• financial educators

• students

• financial planners

• anyone planning long-term wealth building or teaching the power of compound interest.