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The maths that does the heavy lifting.

See how a starting balance and regular contributions grow over time at different return rates. Compounding is the quiet engine of every retirement plan — this shows you what time in the market is actually worth.

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04 — Growth

Compound Interest

— Projected Balance
—
— Total Contributed
—
— Interest Earned
—
Year 0 Year 20

Assumes monthly compounding at a constant rate of return. Actual investment returns vary and past performance is not a reliable indicator of future performance. Personal advice requires a Statement of Advice. AFSL 562647.

This calculator provides estimates only, based on simplified assumptions and the figures you enter. It does not take into account your personal objectives, financial situation or needs, and is not financial advice. Results are illustrative and actual outcomes will differ. Consider seeking personal advice before acting. Wealth Designers Advisory Pty Ltd (ABN 26 650 483 300, AFSL 562647).

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Troy Gudgeon established Wealth Designers Advisory under its own Australian Financial Services Licence specifically to remove the conflicts that come with bank or institutionally-owned advisory groups. No dealer group, no product quotas — the only agenda at the table is yours.

  • 20+ years of financial planning experience across every market cycle
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Troy Gudgeon, Founding Director and Principal Adviser
Troy Gudgeon
Founding Director & Principal Adviser
MFinPlan · SSA™ · FAAA Member
Wealth Designers Advisory Pty Ltd
ABN 26 650 483 300 · AFSL 562647
Accredited SMSF Association Specialist
Common Questions

Answers about the compound interest calculator.

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  • What return rate should I assume?
    Long-run returns depend on your asset mix — growth portfolios have historically returned more than defensive ones, with more volatility along the way. Test a range rather than a single number, and remember past performance doesn't predict future returns.
  • Does the calculator account for tax or inflation?
    No — results are pre-tax and in tomorrow's dollars. Tax depends on the structure you invest through (personal name, super, trust, company), which is one of the highest-value decisions an adviser helps you make.
  • How often is interest compounded here?
    Contributions and growth are applied on a regular cycle as labelled in the calculator. Small differences in compounding frequency matter far less than your contribution rate and asset mix.
  • Why do the last years grow so much faster?
    Because compounding is exponential — growth earns growth. It's also why starting earlier beats starting bigger, and why sequencing risk matters near retirement (we've written a full article on that in Insights).
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Wealth Designers Advisory Pty Ltd · AFSL 562647 · Advice prepared under the Corporations Act 2001