Find out how much your money can grow over time. Enter the values and see the result instantly — with an evolution chart.
Compound interest is interest that applies not only to the initial amount, but also to the interest already accumulated — the famous "interest on interest". That's why money grows exponentially over time, not linearly.
Formula: M = C × (1 + i)ⁿ — where C is the initial capital, i the rate per period (e.g., 0.01 = 1% per month) and n the number of periods. With monthly contributions, each contribution is also compounded.
Example: R$ 1,000 initial + R$ 500/month, at 1% per month for 10 years, reaches over R$ 115k — about R$ 55k in interest alone. It's time working in your favor.
Use the formula M = C × (1 + i)ⁿ. With monthly contributions, add each compounded contribution. This calculator does it all automatically — just fill in the fields.
With simple interest, the return always applies to the initial amount. With compound, it applies to the accumulated total (interest on interest), growing exponentially over time.
Dividing by 12 isn't enough. The equivalent monthly rate is (1 + annual rate)^(1/12) − 1. When you choose "yearly" in the calculator, this conversion is done for you.
Yes, 100% free and no sign-up. The calculation happens in your browser — nothing is sent to servers.
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