Compound Interest

Compound interest is what turns steady saving into real growth — interest earning interest, year after year. Enter a starting principal, contribution amount and frequency, interest rate, and time horizon, and this calculator projects the balance over time, with a year-by-year breakdown of principal versus interest earned and a visual growth chart. Adjust any variable to instantly see how it changes the outcome — useful for comparing savings accounts, planning retirement contributions, or just understanding why starting early matters more than the interest rate itself.

Kalkulator Bunga Majemuk

Simulasikan pertumbuhan investasi dengan bunga majemuk dan kontribusi berkala.

Pengertian Bunga Majemuk

Definisi
Bunga majemuk adalah bunga yang diperoleh dari pokok awal dan bunga yang terakumulasi dari periode sebelumnya. Sering disebut sebagai bunga berbunga karena imbal hasil setiap periode ikut menghasilkan bunga baru.
Rumus

Rumus bunga majemuk menghitung nilai masa depan investasi dengan mempertimbangkan pokok awal dan kontribusi rutin: 

A = P(1 + r/n)^(nt) + PMT * ((1 + r/n)^(nt) - 1)/(r/n)

A   = Jumlah akhir
P   = Investasi awal
r   = Suku bunga tahunan
n   = Jumlah kali bunga dikomposisi per tahun
t   = Waktu dalam tahun
PMT = Jumlah pembayaran berkala
Manfaat
  • Pertumbuhan kekayaan yang dipercepat melalui imbal hasil eksponensial
  • Menguntungkan strategi investasi jangka panjang
  • Membantu mencapai tujuan keuangan lebih cepat
Tips untuk Memaksimalkan Hasil
  • Mulai berinvestasi lebih awal untuk memaksimalkan kekuatan bunga majemuk
  • Reinvestasi dividen dan pembayaran bunga
  • Pertahankan kontribusi rutin untuk meningkatkan pertumbuhan

Calculate the True Growth of Your Investments Over Time

Compound interest accelerates long-term wealth building by generating returns on both your initial principal and your accumulated interest over time. Small, consistent deposits combined with compound growth often yield significantly higher returns than simple interest calculations suggest.

The Compound Interest Calculator models your portfolio's growth projection over any time horizon, delivering a clear breakdown of your contributions versus interest earned.

Key Features

  • Flexible Contribution Modeling: Set initial deposit amounts, recurring contribution frequencies (monthly, annually), and custom interest rates.
  • Compounding Frequency Options: Calculate growth based on daily, monthly, quarterly, or annual compounding schedules.
  • Visual Growth Charts: Interactive charts clearly separate your total principal invested from the exponential interest earned over time.
  • Year-by-Year Schedule: Review a detailed breakdown showing yearly starting balances, total deposits, annual interest gains, and ending balances.
  • Inflation Adjustments: Optionally factor in estimated inflation rates to evaluate the real purchasing power of your future savings.

Common Use Cases

  • Retirement Planning: Estimate long-term account growth for retirement funds, index funds, or individual investment portfolios.
  • Goal Tracking: Determine how much you need to save monthly to reach specific financial milestones, such as a home down payment or college fund.
  • Strategy Comparisons: Compare how starting to invest a few years earlier or increasing monthly contributions impacts your total payout.

Adjust your starting balance, interest rate, and timeline above to project your future investment growth instantly.