What is compound interest?

Compound interest is interest calculated on both the initial principal and the previously accumulated interest. Unlike simple interest, it grows exponentially over time.

How often should interest compound?

The more frequently interest compounds (daily > monthly > quarterly > annually), the more you earn. Daily compounding yields slightly more than monthly, which is better than annual.

What is the Rule of 72?

Divide 72 by your interest rate to estimate how many years it takes to double your money. At 7%, your money doubles in about 10.3 years.

What is the Rule of 72?

The Rule of 72 is a quick mental shortcut: divide 72 by your annual interest rate to estimate how many years it takes to double your money. At 7%, money doubles in roughly 72 ÷ 7 ≈ 10.3 years. It's not exact but surprisingly accurate for rates between 4–12%.

Does compound interest work against you in debt?

Yes. The same math that grows savings also grows debt. Credit card debt at 20% APR: $5,000 left unpaid grows to over $30,000 in 10 years. The key difference is direction — in savings, time is your ally; in debt, time works against you. Paying off high-interest debt first often beats investing, purely on a risk-adjusted return basis.

Zinseszinsrechner

Berechnen Sie das Wachstum Ihres Geldes durch Zinseszinsen.

Anfangsbetrag

Monatlicher Beitrag

Jährlicher Zinssatz

Zeitraum

Jahre

Zinseszinsfrequenz

Endsaldo

$54,915.51

Kapital$10,000.00

Gesamteinzahlungen$24,000.00

Gesamt eingezahlt$34,000.00

Zinsen Verdient$20,915.51

Gesamtrendite61.52%

Jahr 1$13,215.88 ($12,400.00 + $815.88 interest)

Jahr 2$16,664.23 ($14,800.00 + $1,864.23 interest)

Jahr 3$20,361.86 ($17,200.00 + $3,161.86 interest)

Jahr 4$24,326.80 ($19,600.00 + $4,726.80 interest)

Jahr 5$28,578.36 ($22,000.00 + $6,578.36 interest)

Jahr 6$33,137.26 ($24,400.00 + $8,737.26 interest)

Jahr 7$38,025.74 ($26,800.00 + $11,225.74 interest)

Jahr 8$43,267.59 ($29,200.00 + $14,067.59 interest)

Jahr 9$48,888.39 ($31,600.00 + $17,288.39 interest)

Jahr 10$54,915.51 ($34,000.00 + $20,915.51 interest)

At 7.00% annual interest compounded Monatlich with $200.00/month contributions, $10,000.00 grows to $54,915.51 in 10 Jahre — earning $20,915.51 in interest.

Was-wäre-wenn-Analyse

Jährlicher Zinssatz$54,915.51

Zeitraum$54,915.51

Starting 10 years earlier typically doubles your final balance. Time beats rate every time.

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Retirement Savings Calculator

See if this growth puts you on track for retirement

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Über diesen Rechner

Zinseszins bedeutet, Zinsen auf Ihr Anfangskapital UND auf bereits angesammelte Zinsen zu erhalten. Dieser „Zinsen auf Zinsen"-Effekt lässt Vermögen exponentiell wachsen. Je länger Ihr Geld arbeitet, desto dramatischer das Wachstum.

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Häufig gestellte Fragen

Was ist Zinseszins?

Zinseszins wird auf das Anfangskapital und auf bereits aufgelaufene Zinsen berechnet. Im Gegensatz zu einfachen Zinsen wächst er exponentiell.

Wie oft sollten Zinsen aufgezinst werden?

Je häufiger (täglich > monatlich > vierteljährlich > jährlich), desto mehr Ertrag. Tägliche Aufzinsung bringt etwas mehr als monatliche.

Was ist die 72er-Regel?

Teilen Sie 72 durch Ihren Zinssatz, um die Jahre zu schätzen, bis sich Ihr Geld verdoppelt. Bei 7 % dauert es ca. 10,3 Jahre.

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Weiterführende Artikel

Savings

How Compound Interest Works — And Why Starting Early Pays Off

5 min read Savings

Compound Interest vs. Simple Interest — The Difference That Builds (or Costs) You a Fortune

5 min read Investing

The Rule of 72 Explained — Mental Math Every Investor Should Know

5 min read

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For informational purposes only. Calculator results are estimates based on the inputs you provide. This is not financial, investment, tax, or legal advice. Consult a qualified financial professional before making major financial decisions.