Compound interest, on your side.
The eighth wonder of the world, according to Einstein. Calculate how much your money can grow over time: enter your capital, your contributions, and a return, and watch the magic of interest on interest.
Monthly compounding. Illustrative estimate, not financial advice.
Final value · in 20 years
$3 M
You put in
$1.3 M
Interest earned
$1.7 M
Your investment growth
Illustrative estimate · Not financial advice
Why it matters
The force that grows your money on its own
Interest on interest
You do not just earn on what you put in: you earn on the gains too. That makes your money grow exponentially.
Time is your biggest ally
The sooner you start, the harder compound interest works. A decade of difference changes everything.
Steady contributions add up
Contributing every month, even a little, moves the needle far more than it seems.
Small rates, big difference
One extra point of return, sustained over time, turns into a huge difference in the end.
With Daiku
From theory to your real money
Track your investments
Add your assets and contributions. Daiku follows them with up-to-date prices.
Watch the interest add up
Daiku calculates your real return and how your net worth grows month by month.
Project your future
Build scenarios and see where you land in 5, 10, or 20 years.
FAQ
Frequently asked questions
What is compound interest?
It is the interest you earn not only on your initial capital, but also on the interest you have already generated. Over time, that snowball effect makes your money grow exponentially.
How is it calculated?
A periodic rate is applied to the accumulated balance (capital + prior interest), adding your contributions. The calculator above does it for you: enter your capital, monthly contribution, return, and time frame.
How often should I contribute?
The more often and steadier, the better. Monthly contributions make more of compound interest than a single large contribution at the end of the year.
What return should I use?
It depends on where you invest. As a reference, long-term stock indexes have historically returned around 6–8% per year, but past returns do not guarantee future ones.
Is it free?
The calculator is free and requires no sign-up. Tracking your real investments with up-to-date prices and projections is part of Daiku, with a free plan and Pro (14-day trial, no card).
Let time work for you
Start tracking your investments and project your future with Daiku.
Start free