Compound Interest Calculator
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Expected average annual return (stocks historically ~7%)
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The Power of Compound Interest
What is Compound Interest?
Compound interest is interest calculated on both the initial principal and the accumulated interest from previous periods. It's often called "interest on interest" and allows investments to grow exponentially over time.
The Rule of 72
A simple way to estimate how long it takes to double your money: divide 72 by your interest rate. At 7% returns, your money doubles roughly every 10 years. At 10%, it doubles every 7.2 years.
Time is Your Greatest Asset
Starting early matters more than the amount you invest. Someone who invests CHF 300/month from age 25 often ends up with more than someone who invests CHF 600/month starting at age 35.
Realistic Expectations
Historically, diversified stock portfolios have returned about 7% per year after inflation. Past performance doesn't guarantee future results, but long-term investing has consistently beaten savings accounts.