What does compounding frequency mean?

How many times a year interest is added to the balance and starts earning interest itself. At the same annual rate, monthly compounding beats annual, because the interest starts working earlier.

When is the top-up made?

At the end of each period. This is the conservative assumption: contributing at the start of the period would give a slightly larger result, since each contribution works one extra period.

Which rate should I enter?

The one you consider achievable for your portfolio, not the highest you have seen. The calculator will honestly compute any rate you enter, and the output will be exactly as realistic as that rate is.

Calculators

Compound interest calculator

What an investment with regular top-ups grows into: the final amount, your own contributions and what interest added.

Amount invested, ₽

Annual rate, %

Term, years

Compounds per year

monthly

Top-up per period, ₽

Result

Final amount: 2,630,426 ₽
Your own contributions: 1,300,000 ₽
Added by interest: 1,330,426 ₽

How to use it

1
Enter the starting amount
What you invest up front. Zero is fine — then only the top-ups are counted.
2
Set the rate and the term
Annual rate in percent, term in years and how often interest is compounded.
3
Add the top-up
The amount you add each period. The result is split into your own money and what interest added.

Questions

What does compounding frequency mean?: How many times a year interest is added to the balance and starts earning interest itself. At the same annual rate, monthly compounding beats annual, because the interest starts working earlier.
When is the top-up made?: At the end of each period. This is the conservative assumption: contributing at the start of the period would give a slightly larger result, since each contribution works one extra period.
Which rate should I enter?: The one you consider achievable for your portfolio, not the highest you have seen. The calculator will honestly compute any rate you enter, and the output will be exactly as realistic as that rate is.

What this figure does not mean

This is arithmetic at a constant rate, not a forecast. Real returns vary year to year, and the order of good and bad years affects the outcome more than the average rate does. Inflation, taxes and fees are not included: the result is nominal, not purchasing power.