Compound Interest Calculator

Also known as an investment calculator, savings calculator, or fund calculator.

How quickly your savings can grow

Use the calculator to see how much your savings can grow and when you can reach your savings goal. The earlier you start saving, the longer compound interest has to build on your capital.

Initial lump sumDo you already have savings set aside?

DKK

Initial lump sum

Monthly contributionHow much do you plan to save each month?

DKK

Monthly contribution

Expected annual returnWhat annual return do you expect?

Expected annual return

Investment periodHow long do you plan to save?

Years

Investment period

916.092 DKK

Your deposits400.000 DKK

Estimated return+516.092 DKK

How we calculated this

Interest is compounded monthly. The monthly rate is derived from the annual return so that 12 months of compounding equals exactly the stated annual return. Contributions are added at the end of each month. Growth is calculated over years × 12 months.

What is compound interest?

With compound interest, the returns you earn are added to your principal, so in the next period you earn returns on both the original capital and the accumulated gains. Over time, this snowball effect accelerates growth significantly — the longer you save, the more powerful the effect.

Why does regular saving pay off?

Regular monthly contributions spread market timing risk, since you buy shares or fund units in both rising and falling markets. Even small monthly amounts add up to a significant sum over the years thanks to the compound interest effect.

This calculation is a simplification and not a forecast of future performance. The return percentage is an assumption; the value of financial instruments can rise or fall, and it is possible that you may not recover your original investment. The calculation does not account for inflation, taxes, or fees.