Compound Interest Table Generator — Rates 0.25%–100% with Step & Graph

Generate tables across rate ranges and instantly chart the final amount. Private by design—everything runs locally in your browser.

Inputs & Actions

Preset example: £10,000 over 10 years
Enabled when “Nominal APR” is selected
Tip: start with ≤ 20% to keep the table compact, then widen.
e.g., 0.25, 0.5, 1

Values update live when you change inputs. CSV exports include EAR, growth factors, and final amounts.

Chart & Summary

Summary: —

Results Table

Rate (%) EAR (%) Growth Factor ( (1+EAR)t ) Final Amount (£)

How the Table is Calculated

For each rate r in your chosen range, we interpret it as either an EAR (APY) or a Nominal APR with m compounding periods per year. If nominal, we convert using:

EAR = (1 + rnom / m)m − 1

We then compute the growth factor and final amount for your principal £P over t years:

Growth Factor = (1 + EAR)t
Final Amount = P · (1 + EAR)t

The chart visualises Final Amount vs Rate so you can see how sensitive outcomes are to the interest rate.

A compound interest table is more than just a grid of numbers — it is a visual guide to how money can grow when interest is reinvested year after year. For students, investors, and anyone planning for the future, building and studying a table of growth factors is one of the most effective ways to see how small changes in rates make a big difference over time.

The concept behind compound interest is straightforward: instead of earning interest only on the original amount you deposit (the principal), you also earn interest on the interest that has already accumulated. Mathematically, the future value of an investment is found using the formula:

Future Value = Principal × (1 + r)t

where r is the effective annual rate (EAR) and t is the number of years. If you are working with a nominal APR that compounds multiple times a year, you first convert it into an EAR using:

EAR = (1 + r_nom / m)m − 1

Here r_nom is the stated annual percentage rate, and m is the number of compounding periods per year (for example, 12 for monthly, 4 for quarterly).

By generating a full **compound interest table** from 0.25% up to 100% with your chosen step size, you can quickly compare how your money grows under different scenarios. For example, with a £10,000 investment over 10 years:

  • At 2% EAR, the final amount is about £12,190.
  • At 5% EAR, the final amount grows to more than £16,000.
  • At 10% EAR, the final amount more than doubles to about £25,940.

Visualising these results in a chart makes the concept even clearer. The curve steepens as rates rise, showing how powerful compounding becomes at higher interest levels. This is particularly useful for **UK savers and investors** comparing savings accounts, ISAs, or long-term investments — understanding how interest accumulates helps in making smarter financial decisions.

Our tool also allows you to export the full results table as a CSV file, so you can explore the numbers further in Excel or Google Sheets. Whether you are a student learning about finance, a professional modelling returns, or simply curious about how your savings might grow, the Compound Interest Table Generator provides both a quick reference and a teaching aid.

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