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Compound Interest Visualiser

Growth on top of growth is the quietest superpower in finance. Watch what regular money does when you give it time.

£
£
%
years

You'd end up with

—

You put in

—

Growth did

—

What 5 fewer years changes

—

▬ what you put in  ▬ what it becomes

How it works

The pot compounds monthly at your chosen rate, with your contribution added each month. The gap between the two lines is the part you didn't have to earn — growth on your growth. Early on it looks unimpressive; the last third of the chart is where compounding stops being polite and starts showing off.

The "5 fewer years" figure re-runs the exact same plan over a shorter period — same money in each month, just less time for it to compound — and shows the difference between the two results. What moves that number is time in the market, not the rate. Real investment returns aren't a smooth line and aren't guaranteed; if you want the after-inflation view, use a lower rate (long-run diversified estimates are often around 5% real).

This calculator is a general educational tool. It uses simplified assumptions, isn't personalised financial advice, and shouldn't be the only basis for a money decision — see our Disclaimer. For decisions that matter, consider speaking to a suitably qualified, regulated adviser.

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