Continuous Compound Interest Calculator

Your details

Choose which variable you want the calculator to find. Fill in the other three.
The starting amount invested or deposited.
USD
The nominal annual interest rate as a percentage (e.g. 6 for 6%).
%
How long the money compounds, in years. Decimals are accepted (e.g. 1.5 for 18 months).
years
Currency
Final amount (A)
6,749.29USD

Balance after continuous compounding over the full period

Interest earned1,749.29USD
Principal (P)5,000USD
Annual rate (r)0.06%
Time (t)5years
Effective annual rate0.0618%
Doubling time11.55years
Monthly compounding equivalent6,744.25USD
Continuous vs monthly advantage5.04USD
Principal5,000
Interest earned1,749.29
Continuous8,498.59
Monthly6,744.25

Continuous vs monthly advantage: 5.04

  • Final balance
  • Interest earned

Your money grows 35.0% over 5.00 years at a continuously compounded 6.0000% rate.

  • Your 5000.00 USD grows to 6749.29 USD, earning 1749.29 USD (35.0%) over 5.00 years.
  • The effective annual rate is 6.1837%, which is the rate a once-a-year account would need to match continuous compounding at 6.0000%.
  • At this rate, your balance doubles every 11.55 years.
  • Continuous compounding earns 5.04 USD more than monthly compounding at the same rate over the same period, showing that the benefit narrows as compounding frequency increases.

Next stepUse a retirement or savings calculator to model regular additional contributions alongside this lump sum.

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