Compound Interest Calculator Canada 2025

Monthly or annual compounding • Includes regular contributions • Year-by-year breakdown

Compound interest is the most powerful force in personal finance. See how your initial investment and regular contributions can grow dramatically over time through compounding returns.

The Power of Compound Interest

Compounding means earning returns on your returns. A $100 investment growing at 7% annually doubles roughly every 10 years. With monthly contributions, growth accelerates significantly.

Realistic Canadian Return Rates

• High-interest savings account (HISA): 3.5%–5%
• GIC (5-year): 3%–4.5%
• Canadian bond index: 3%–5%
• Canadian equity index (S&P/TSX): 6%–8% historical average
• Balanced portfolio (60/40): 5%–7%