Yes. The tool compounds the balance month by month and adds the recurring contribution every period, which makes it much more useful for real accumulation planning than a simple lump-sum-only model.
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Simulate contributions, monthly or annual rates, inflation and benchmark comparison with a much better growth chart.
This calculator helps you simulate how time, recurring contributions, interest rate, inflation and benchmark comparison affect long-term growth. You can switch between monthly and annual rate input, choose months or years for the horizon, compare your scenario against a benchmark and estimate nominal versus inflation-adjusted outcomes.
Paste the code into your HTML and the tool shows up on your page, without J-Kit's navigation and ads. It still runs in the browser of whoever visits your site.
<iframe
src="https://jkit.tools/embed/en-US/compound-interest-calculator"
width="100%"
height="600"
style="border:0"
loading="lazy"
title="Compound Interest Calculator"
></iframe>These references help contextualize formulas, standards, APIs and limitations used on this page. They do not replace professional validation when a result has legal, financial, medical or operational impact.
Yes. The tool compounds the balance month by month and adds the recurring contribution every period, which makes it much more useful for real accumulation planning than a simple lump-sum-only model.
⚠️ Educational simulation with monthly compounding. It does not replace portfolio advice, suitability review or net return calculations with real taxes and fees.
Mathematical simulation with monthly compounding and recurring contributions. It does not include income tax, IOF, administration fees, custody fees or slippage.
Portfolio growth
Breakdown
| Year | Invested | Return this year | Balance | Real value |
|---|---|---|---|---|
| 1 | R$16,000.00 | R$1,609.50 | R$17,609.50 | R$16,851.20 |
| 2 | R$22,000.00 | R$2,574.58 | R$26,184.08 | R$23,977.55 |
| 3 | R$28,000.00 | R$3,662.05 | R$35,846.13 | R$31,411.84 |
| 4 | R$34,000.00 | R$4,887.44 | R$46,733.56 | R$39,188.96 |
| 5 | R$40,000.00 | R$6,268.24 | R$59,001.80 | R$47,346.06 |
| 6 | R$46,000.00 | R$7,824.16 | R$72,825.96 | R$55,922.74 |
| 7 | R$52,000.00 | R$9,577.41 | R$88,403.36 | R$64,961.31 |
| 8 | R$58,000.00 | R$11,553.01 | R$105,956.38 | R$74,506.95 |
| 9 | R$64,000.00 | R$13,779.17 | R$125,735.55 | R$84,608.01 |
| 10 | R$70,000.00 | R$16,287.67 | R$148,023.21 | R$95,316.24 |
Return this year = interest generated within that year on the accumulated balance.
Local browser-based simulation. This is not investment advice.