Calcolatore interesse composto e CAGR
Segui l’effetto dell’interesse composto e il tasso di crescita annualizzato verso i tuoi obiettivi.
Try the calculator
Run the numbers yourself with the inputs below.
Overview
The Compound & CAGR Calculator projects how a starting balance and recurring contributions grow when reinvested at a fixed annual return.
How it works
FV = P * (1 + r/12)^(12n) + C * ((1 + r/12)^(12n) - 1) / (r/12) * (1 + r/12)P is the initial principal, C is the monthly contribution, r is the annual return rate, and n is the number of years.
Worked example
You start with 10,000, add 500 every month, and earn an average annual return of 7% over 20 years.
= Total invested is 130,000. Future value is roughly 299,000, of which about 169,000 is interest earned through compounding.
When to use it
- Estimate how long it will take to reach a retirement or savings goal
- Compare the effect of different contribution rates or time horizons
- See how higher expected returns translate into a final balance
Frequently asked questions
What return rate should I assume?
Pick a rate that matches the asset mix you actually plan to hold and consider running a conservative scenario as well.
Does it account for inflation or taxes?
No. The result is a nominal pre-tax projection.
Why is the result so sensitive to small changes in the rate?
Compounding is exponential, so small annual differences can become meaningful over long periods.