Interest & savings
Investment & Finance Calculator
Calculate interest, savings, returns, present and future values, cash flows, NPV, IRR, payback and fee effects.
Compound interest / fixed deposit
Simple interest applies only to principal; compound interest reinvests prior interest. Savings and investment growth share one contribution model with beginning/end timing. ROI is total profit relative to initial capital; CAGR is annualized growth. NPV discounts equally spaced cash flows, IRR is a rate where NPV equals zero and may have no or multiple roots. Payback uses cumulative cash flows and linear interpolation. Fees are modeled as an annual percentage reduction of the entered gross return. Results are mathematical scenarios before tax, not investment advice.
Result
Compound interest / fixed deposit
16,470.094977
Investment & Finance Calculator
Simple interest applies only to principal; compound interest reinvests prior interest. Savings and investment growth share one contribution model with beginning/end timing. ROI is total profit relative to initial capital; CAGR is annualized growth. NPV discounts equally spaced cash flows, IRR is a rate where NPV equals zero and may have no or multiple roots. Payback uses cumulative cash flows and linear interpolation. Fees are modeled as an annual percentage reduction of the entered gross return. Results are mathematical scenarios before tax, not investment advice.
FAQ
How is simple interest calculated?
Simple interest is principal × annual rate × time. Interest earned earlier is not reinvested.
How is compound interest calculated?
Compound interest reinvests interest already credited. The calculator uses the selected compounding frequency.
How much should I save monthly?
In savings-plan mode, the tool solves for the regular contribution that reaches the savings goal under the entered assumptions.
What is ROI?
ROI relates profit or loss to the initial capital. It is not an annual return.
What is CAGR?
CAGR expresses the even annual growth rate between the initial and final value over the entered period.
How do ROI and CAGR differ?
ROI measures the total return for the full period; CAGR expresses that development as an annualized growth rate.
What is present value?
Present value discounts a future value at the entered rate to a comparable value today.
What is NPV?
NPV adds the discounted, equally spaced cash flows. A positive result is only positive under those assumptions.
How is IRR calculated?
IRR is a rate at which the NPV of the entered cash flows is zero. The tool searches for that root numerically.
Can there be multiple IRRs?
Several sign changes in cash flows can produce multiple IRRs or no unique solution.
When does an investment pay back?
Payback is reached when cumulative cash flows offset the initial outflow; the tool interpolates linearly between periods.
How do fees affect growth?
The annual fee reduces the entered gross return in the model each year, so it also affects later growth.
Are taxes included?
No. Results are before tax and do not account for an individual tax situation.
Is this investment advice?
No. The tool calculates scenarios from your inputs and does not recommend investments.