SAVINGS & RETIREMENT / FREE CALCULATOR

Compound interest calculator

Grow a once-off amount with your chosen compounding frequency.

Method and references reviewed 5 November 2026

YOUR NUMBERS

Let’s work it out.

Calculated on your device. Save a copy only when you choose.

A CLEARER PICTURE

Future investment value

R 20 096,61

Once-off lump sum · selected compounding frequency

Initial investment: R 10 000,00
Growth / loss before fees and tax: R 10 096,61
Compounding periods: 120

See the full breakdown

ESTIMATE · NOT A QUOTATION

Save this scenario, then change your inputs to compare the results.

BEHIND THE NUMBER

Your calculation, unpacked.

Initial investment: R 10 000,00
Growth / loss before fees and tax: R 10 096,61
Compounding periods: 120

UNDERSTAND THE TRADE-OFFS

Small changes.
Different possibilities.

Try changing one input at a time. Compare the total cost, as well as the monthly number.

THE WORKINGS

How this calculation works

For a once-off deposit, future value = principal × (1 + nominal annual rate ÷ compounding frequency)^(frequency × years). No further deposits are assumed.

A worked example

R10 000 at 10% compounded annually for two years becomes R12 100.

Assumptions & limitations

Returns are constant examples. Tax, fees, withdrawals, investment volatility and additional contributions are excluded. Use Savings growth for monthly deposits.

Read a little further.

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See what time and regular saving add to your plan, without assuming guaranteed returns.

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