Compound Interest Rate Calculator

Your details

The initial amount invested or deposited (present value).
The total amount after the investment period (future value), including the original principal.
How many full years the money was invested or the loan was outstanding.
yr
Any additional months beyond the whole years.
mo
How often interest is added to the balance during the year.
Currency
Annual interest rate (nominal)
0.0814%

The nominal annual rate at the selected compounding frequency.

Annual Percentage Yield (APY)0.0845%
Total interest earned$5,000.00
Growth factor1.5
Interest earned$5,000.00

Your implied annual rate is 8.1368% nominal (8.4472% APY).

  • A nominal rate of 8.14% is higher than average market returns - verify the inputs are correct, or this may be a high-yield instrument with elevated risk.
  • Compounding monthly lifts the effective yield (APY) to 8.4472%, which is 0.3104 percentage points above the nominal rate.
  • Your balance grew by 50.00% in total (5.00 years), equivalent to $5,000.00 of interest on a $10,000 principal.
  • Use the APY when comparing offers that compound at different frequencies - it is the apples-to-apples rate.

Next stepTo see how varying the rate or compounding frequency affects your final balance, try the companion Compound Interest Calculator.

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