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Compound Interest & Working Capital Calculator

Project future business treasury reserves and investment growth with compounding interest and monthly contributions.

Growth Profiles & Asset Allocation Models
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Investment Parameters

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Treasury Forecast Analysis

Estimated Future Value$113,669Projected capital at end of term
Total Accrued Interest+$43,669Yield from compounding returns

Capital Growth Trajectory

Principal vs. Market Growth
Total Contributions$70,000
Interest Yield38.4%
Months Active120
CompoundingMonthly
Calculator guide

How to use the Compound Interest & Contribution Calculator

Project future value from starting capital, recurring monthly contributions, an annual return and a time horizon.

01Set inputsChoose values, units and assumptions.
02Apply the modelFuture value = P(1 + r)^n + PMT × ((1 + r)^n − 1) ÷ r, using monthly compounding and end-of-month contributions.
03Read the resultCheck the output against the assumptions before using it.
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What this calculator does

Starting capital compounds each month while recurring contributions are added over the selected period. The result separates contributed capital from modeled growth so the effect of compounding is visible.

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Formula & method

Future value = P(1 + r)^n + PMT × ((1 + r)^n − 1) ÷ r, using monthly compounding and end-of-month contributions.

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Assumptions & notes

  • The current model uses monthly compounding.
  • Recurring contributions are treated as end-of-month contributions.
  • The selected return is an assumption and is not a guaranteed investment return.
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