مجموعة الحاسبات المالية العالميةالفائدة المركبة · ١٩ عملة
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تحميل معايير FRED…

بناء الثروة · الفائدة المركبة

اكتشف ما ستصبح عليه أموالك — بحسابات فائدة مركبة حقيقية.

توقع نمو الاستثمار بمساهمات شهرية على مدى ١-٤٠ سنة. بدون تسجيل، بدون تتبع.

Annual Contribution
USD 6,000 / yr
Equivalent Monthly
USD 500 / mo
Normalized Horizon
20 سنوات
Future Value (base 7%)
USD 300,851
Low (5.0%)
USD 232,643
High (9.0%)
USD 394,035
Total Contributions
USD 130,000
Interest Earned
USD 170,851
Growth Multiple
2.31×
Portfolio Growth — Variance Band (Low / Base / High)21 data points

Year-by-Year Breakdown

Cumulative contributions, interest earned, and balance for every year of the projection.

YearContributions to DateInterest EarnedBalance
0USD 10,000USD 0USD 10,000
1USD 16,000USD 919USD 16,919
2USD 22,000USD 2,339USD 24,339
3USD 28,000USD 4,294USD 32,294
4USD 34,000USD 6,825USD 40,825
5USD 40,000USD 9,973USD 49,973
6USD 46,000USD 13,782USD 59,782
7USD 52,000USD 18,299USD 70,299
8USD 58,000USD 23,578USD 81,578
9USD 64,000USD 29,671USD 93,671
10USD 70,000USD 36,639USD 106,639
11USD 76,000USD 44,544USD 120,544
12USD 82,000USD 53,455USD 135,455
13USD 88,000USD 63,443USD 151,443
14USD 94,000USD 74,587USD 168,587
15USD 100,000USD 86,971USD 186,971
16USD 106,000USD 100,683USD 206,683
17USD 112,000USD 115,820USD 227,820
18USD 118,000USD 132,486USD 250,486
19USD 124,000USD 150,790USD 274,790
20USD 130,000USD 170,851USD 300,851

Goal Seek — Years to Target

How long until your portfolio crosses a target balance at the current assumptions?

Years to Hit Target
35 سنوات
Required Monthly @ 20y
USD 1,842

🇺🇸 401(k) employer match + Roth vs Traditional

The #1 retirement question: are you leaving free money on the table? And should new contributions go to Roth or Traditional?

Free money / yr
+ USD 4,800
✓ Capturing the full match.
Your contribution
USD 12,000/yr
+ Employer match
USD 4,800/yr
Future value @ 20y
USD 729,297
Roth vs Traditional · same gross contribution
Traditional 401(k) · taxed at withdrawal
USD 598,024
FV × (1 − 18% retirement tax)
Roth 401(k) · taxed today, tax-free later
USD 554,266
FV × (1 − 24% current tax, paid up-front)
Traditional wins by USD 43,758. Because retirement tax (18%) < today's (24%), deferring tax until then is the better deal.
Most 401(k) plans let you split Roth & Traditional. The employer match is always traditional (pre-tax). 2025 employee limit: $23,500 combined (+$7,500 catch-up at 50+).

Multi-Currency Portfolio (FX Layer)

Split your portfolio across currencies — see how long-run FX drift adds or subtracts from your final balance in USD. Spot & drift assumptions are editorial 2026 anchors, not live quotes.

Final Value (in USD)
USD 518,953
FX Drift Impact
-USD 6,083
Sleeves
3
CurrencyWeightNominal (local)FX Drift vs USDValue in USD
USD60%315,022+0.0%/yrUSD 315,022
EUR25%120,758-0.3%/yrUSD 139,388
JPY15%11,970,822+1.0%/yrUSD 64,544
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Compound Interest Lookup Table

What your money becomes at 5%, 7%, and 9% annual returns, with monthly compounding. All values in USD.

InitialMonthlyYears@ 5%@ 7%@ 9%
USD 1,000USD 10030USD 87,694USD 130,114USD 197,805
USD 5,000USD 25030USD 230,403USD 345,575USD 531,339
USD 10,000USD 50030USD 460,807USD 691,150USD 1,062,678
USD 10,000USD 50020USD 232,643USD 300,851USD 394,035
USD 25,000USD 1,00025USD 682,542USD 953,207USD 1,356,332
USD 50,000USD 1,50020USD 752,183USD 983,327USD 1,302,288
USD 100,000USD 2,00015USD 745,948USD 918,819USD 1,140,616

The Compound Interest Calculator, Explained

Compound interest is the engine behind every long-horizon investment plan. Unlike simple interest — which pays only on the original principal — compound interest pays interest on the interest you have already earned, which itself then earns more interest. Over a 30-year horizon at a 7% nominal return, roughly 80% of the final balance comes from compounding, not from the contributions themselves.

Compounding frequency matters

The SEC's Investor.gov calculator lets you choose annual, semi-annual, quarterly, monthly, or daily compounding — and so does this one. The more often interest is credited and reinvested, the higher the effective annual rate (EAR). On a $100,000 portfolio over 30 years at a 7% nominal rate, the difference between annual compounding (EAR 7.00%) and daily compounding (EAR ~7.25%) is roughly $40,000 of final value. Match the cadence to your actual account: bank savings typically compound daily, bonds semi-annually, and equity index funds are well-modeled by monthly compounding.

Rate variance bands — stress-testing your assumption

Single-point projections are misleading because nobody knows what the next 30 years of returns will look like. The variance band shows you the same scenario at, for example, 5% / 7% / 9% — so you can see the realistic spread of outcomes. A $500/month contribution over 30 years at a base 7% return reaches ~$612k; at 5% it's ~$416k and at 9% it's ~$921k. The same inputs, just a different assumption about the future.

Real returns and the inflation tax

Nominal returns flatter you. Real returns tell you what you can actually buy. At a 3% long-run inflation rate, a 7% nominal return is only a 3.9% real return. On a 30-year horizon, a $1,000,000 nominal portfolio is worth only about $412,000 in today's purchasing power. The inflation toggle here overlays the real-return curve on top of the nominal — use it to check whether your number is actually large enough.

Tax drag in a taxable account

In a taxable brokerage account, dividends and realized gains are taxed every year, which reduces the base that compounds forward. A 15% effective annual tax drag turns a 7% gross return into roughly 6% net. On a $100,000, 30-year horizon, that's the difference between $761,000 and $574,000 of final value. Tax-advantaged accounts (401(k), Traditional or Roth IRA, 529, HSA, ISA, SIPP) eliminate this drag and are the right home for long-horizon money — use the tax-drag slider here to see exactly what that costs you.

The multi-currency dimension

If you live, save, or report in more than one currency — and millions of people do — your real return is the local-currency return adjusted for long-run FX drift. The Multi-Currency Portfolio panel below lets you split contributions across up to five currencies and see, in your home currency, how forward FX shifts add or subtract from your final value. This is the single biggest gap in every US-only compound interest calculator.

What this calculator does not do

This is a deterministic projection — not a Monte Carlo simulation, not a financial plan, and not investment advice. Real markets deliver sequence-of-returns risk, drawdowns, dividend cuts, sector rotations, and black-swan events that no closed-form calculator captures. Use this tool to compare scenarios and stress-test assumptions, not to predict the future.

Frequently Asked Questions

How does compound interest work?

Compound interest pays you interest on the interest you've already earned. Each compounding period, your balance is multiplied by 1 + (annual rate / periods per year). Over decades, this exponential effect produces the bulk of investment returns — typically 70–85% of the final balance for a 30-year horizon at a 7% nominal return.

What compound frequency should I use?

Most stock-market index funds compound continuously through reinvested dividends and price appreciation, which is well-approximated by daily or monthly compounding. Most US savings accounts compound daily but credit monthly. Bonds typically compound semi-annually. Choose the cadence that matches your actual account — the difference between annual and daily compounding on a 30-year, 7%, $100k portfolio is roughly 8–10%.

Should I use nominal or real returns?

Always sanity-check with real (inflation-adjusted) returns. A 7% nominal return at 3% inflation is only ~3.9% real. Over 30 years, $100k growing at 7% nominal reaches ~$761k — but only ~$313k in today's purchasing power. Use the inflation toggle to see both side by side.

How does tax drag affect long-term returns?

In a taxable account, dividends and realized gains are taxed annually, reducing the compounding base. A 15% effective annual drag turns a 7% gross return into roughly a 6% net return — which over 30 years is the difference between $761k and $574k on $100k. Tax-advantaged accounts (401(k), IRA, ISA, etc.) avoid this drag and are usually the better home for long-horizon money.

What return should I assume for stocks?

Long-run global equity nominal returns have historically averaged 7–10%, with the US S&P 500 closer to 10% pre-tax pre-fee. Forward-looking 2026 capital-markets assumptions from major institutions (Vanguard, JPM, BlackRock) cluster around 5–7.5% for US equities given elevated starting valuations, and 7–9% for non-US developed markets. A conservative 6–7% is a defensible base case.

How does FX affect a multi-currency portfolio?

If you hold non-USD assets and report in USD (or vice versa), long-run currency drift can add or subtract several percent per year from your realized return. The Multi-Currency Portfolio panel models this — for example, USD strength of ~1%/yr vs JPY over 20 years compounds to a ~22% drag on JPY-denominated holdings when measured in USD.

Is this calculator different from Investor.gov?

Investor.gov's calculator is the SEC's official tool — accurate, government-backed, but English/USD only with no fee model, inflation toggle, tax drag, or multi-currency support. This calculator extends the same compounding math with rate-variance bands, real-return view, tax drag, multi-currency portfolio, a 19-currency display layer, and a fee-drag visualizer (Toll Booth) so you can stress-test what fees actually cost you over decades.

Bank-Grade Terminal · Wealth Engine
100% Free · Ungated · No Lead Wall

No email registration, lead-capture walls, or mandatory broker forms required to run full institutional simulations with local regulatory safeguards.

Statutory & Macroprudential Safeguards Honored

LTCG 0/15/20% + NIIT 3.8% — sheltered inside 401(k) / IRA / Roth wrappers.

  • Roth conversion ladder, backdoor Roth, and HSA triple-tax-advantage stacks modeled.

US Mortgage & Paycheck Calculator 2026

Federal + state tax brackets, FICA caps, and 30-year fixed amortization against the live Federal Reserve SOFR benchmark.

Benchmark
SOFR (FRED)
FICA cap
$168,600
Std deduction
$14,600
التغطية

حاسبات الرهن العقاري والراتب والثروة والقروض مترجمة لـ ٢٣ دولة بأسعار حية من البنوك المركزية.

المنهجية

إطفاء قياسي، تقاليد فائدة إقليمية، وإضافات ضريبية نسبية — شفافة وقابلة للتكرار.

الخصوصية

تُجرى الحسابات على جهاز المستخدم. لا تُخزَّن أي مدخلات أو تُرسَل.

How the Money Math Actually Works — A Plain-English Guide for Borrowers, Savers, and Earners

1. How Mortgage Interest Really Works

Every mortgage payment is split between two things: interest the bank earns and principal that actually reduces what you owe. In the early years, almost all of your payment is interest — on a typical 30-year loan, more than 70% of your first payment goes to the lender, not your home. This is called amortization, and it is why paying even a small amount extra early in the loan can save tens of thousands of dollars over the full term. The simple formula behind your monthly payment uses three inputs: the loan amount, the interest rate, and the number of months. Change any one of those and the entire schedule changes. Our Mortgage Calculator runs this math live for any country, currency, and rate structure — so you can see exactly where each payment goes.

2. APR vs. Interest Rate — What You're Actually Paying

The advertised interest rate on a loan is almost never the full cost. The APR (Annual Percentage Rate) is what really matters — it rolls in the fees the lender charges to put the loan in place. Three numbers determine your true cost:

  • Interest rate: the percentage the bank charges on the money you borrow, applied month after month. This is the headline number on every ad.
  • APR: the interest rate plus origination fees, broker fees, and most closing costs, expressed as a single yearly percentage. Always compare loans by APR, never by the headline rate.
  • Points and one-time fees: a point equals 1% of the loan paid upfront to lower your interest rate. Worth it only if you'll keep the loan long enough to recover the cost — our Loan Break-Even Calculator solves this exact question.

3. What Your Paycheck Is Actually Worth

Gross salary is a marketing number. Take-home pay is reality. The gap between the two is driven by two different tax rates that most people confuse:

  • Marginal tax rate: the rate you pay on your next dollar of income. This is the number that decides whether a raise, a bonus, or a side income is worth pursuing. Most countries use brackets, so your marginal rate jumps as you earn more.
  • Effective tax rate: the percentage of your total income that actually leaves your bank account as tax. It is always lower than your marginal rate because earlier income is taxed at lower brackets. This is the number to use when budgeting. Our Net Salary Calculator computes both, country by country, so you can see your real take-home pay.

4. Compound Interest — Why Starting Early Beats Investing More

Compound interest is the rare math that genuinely changes lives. Each year, you earn returns not just on the money you originally invested but on every dollar of return you've already made. Over thirty or forty years, this snowball gets so large it eclipses contributions entirely. A classic example: someone investing $300 a month from age 25 to 35 and then stopping will usually end up with more money at retirement than someone investing the same $300 a month from age 35 all the way to 65. Time matters more than amount, which is why every additional year of delay is roughly twice as expensive as the last. Our Wealth Calculator projects this curve for any starting balance, contribution, and assumed return — including what the same plan looks like in a conservative bond, an equity index, and a balanced 60/40 portfolio.

5. When Refinancing Actually Pays Off — The Break-Even Rule

Refinancing is rarely free. The new lender charges closing costs — typically appraisal, title, origination, and admin fees — that you have to recover through lower monthly payments before the new loan is genuinely cheaper. The break-even rule is simple: divide the total closing cost by the monthly saving. The answer is how many months you need to stay in the loan to come out ahead. If your break-even is 18 months and you plan to move in two years, refinancing is worth it. If your break-even is 60 months and you plan to sell in three years, it is not. Our Loan Break-Even Calculator runs the math against your current loan, the new offer, and your realistic horizon — and tells you the answer in months, not in marketing claims.

6. Why You and the Bank Don't Pay the Same Rate

There is no single interest rate. There are three. The wholesale rate is what banks pay each other overnight — set by the central bank. The institutional rate is what pension funds, REITs, and large landlords pay, slightly above wholesale because they borrow at scale and negotiate hard. The retail rate is what you and every other individual borrower pays, with a larger markup baked in to cover the lender's costs, marketing, and risk. The gap between institutional and retail is not a scam — it is the cost structure of consumer lending. What you can control is where you land inside that retail band: a bigger down payment, a shorter fixed term, and stronger income documentation typically move your rate 0.15% to 0.50% lower. Our institutional rates drawer shows all three rates side-by-side for your country, so you can see exactly how far above wholesale your quote sits — and where the room to negotiate is.