Crypto & Fiat Compound Interest Simulator.

Calculate future wealth from initial capital, recurring monthly deposits, and daily/weekly/monthly compounding across crypto staking and traditional high-yield accounts.

Free Runs in your browser Data: Client-side Math

Trading & Calculation Currency:

Currency:

Yield Presets:

Starting Principal ($)

Monthly Contribution ($)

Annual Rate (APY / APR)

Compounding Frequency

Time Horizon

Years

Projected Portfolio Value1.48x Principal

$51,717(+$16,717 interest)

In 10 years at 6.5% compounding daily, you invest $35,000 to build $51,717.

Total Deposited$35,000

Interest Earned+$16,717

Interest Share32.3%

Compounding Balance

Deposited Principal

Specification & Methodology

Understanding your results.

A rigorous breakdown of the mathematical equations, market assumptions, and step-by-step calculations powering this tool.

Executive Summary & Compounding Mechanics

Compound interest transforms consistent linear contributions into exponential wealth accumulation. Whether modeling conservative bank yields (4.5%), S&P 500 index compounding (10.2%), or daily on-chain staking (6.5%), regular additions combined with high-frequency compounding drastically shorten your time horizon to financial independence.

Compounding Frequencies Daily (365x), Weekly, Monthly, Yearly

DCA Integration Recurring Monthly Deposits ($0 - $10k+)

Data Privacy 100% Client-Side

Mathematical Specification

Future Value & Recurring Contribution Equations.

Formula 01 Future Value with Periodic Deposits

A = P × (1 + r/n)^nt + PMT × [((1 + r/n)^nt - 1) / (r/n)]

Where P is starting principal, r is nominal annual interest rate, n is compounding frequency per year, t is time in years, and PMT represents the monthly recurring contribution.

Formula 02 Net Interest & Wealth Multiplier

Interest = A - (P + PMT × 12 × t), Multiplier = A / Total Contributed

Quantifies the precise financial leverage generated purely from accumulated interest vs user capital invested, highlighting how compounding overtakes principal contributions over longer horizons.

Case Study

Worked Example: $5,000 Starting Capital + $250 Monthly Staking.

Consider an investor who starts with $5,000 and allocates $250 per month into an Ethereum staking validator pool yielding 6.5% APY with continuous daily compounding over a 10-year horizon:

Step 1: Starting Principal $5,000

Step 2: Total Contributed $35,000 ($5k + $30k deposits)

Step 3: Staking Interest +$18,742 +53.5% on capital

Step 4: Final Value $53,742 1.54x total invested

Key Insight: Over the 10-year period, compound interest generated over $18,740 in pure passive yield - representing more than 34% of the entire portfolio's ending net worth.

Operational Guide

How to use this tool.

Step-by-step workflow instructions to get the most accurate calculations for your trading strategy.

1
Enter Starting Principal: Type your initial lump-sum capital or use quick size chips ([1k] [5k] [10k] [25k]). The tool adapts dynamically to your active global currency.
2
Configure Recurring Deposits: Specify how much you plan to add each month ($0 to $1,000+) to simulate disciplined dollar-cost averaging.
3
Select Yield Benchmark: Drag the annual rate slider or pick 1-click presets ([TradFi 4.5%], [Staking 6.5%], [Stablecoin 9.0%], [S&P 500 10.2%], [DeFi 15.0%]).
4
Choose Compounding Frequency: Select Daily (standard for crypto staking/DeFi), Weekly, Monthly, or Annually to view the mathematical impact of frequency on final returns.
5
Analyze Growth Curves & Copy: Review the inline SVG dual-series chart comparing your deposited principal against the total compounding curve, then click "Copy Summary" to save your projection.

Privacy & safety.

Our Compound Interest Simulator operates with complete privacy and zero telemetry. All financial calculations, cashflow projections, interest schedules, and currency conversions are processed locally on your device via client-side WebAssembly and React logic. No financial figures are transmitted across any network.