{
  "id": "compound-interest",
  "slug": "compound-interest-calculator",
  "title": "Compound Interest & Savings Calculator",
  "description": "Project the growth of your savings with monthly contributions, compound frequency and inflation-adjusted results.",
  "category": "calculators",
  "tags": ["compound interest", "savings", "investment", "finance", "interest", "calculator"],
  "icon": "trending-up",
  "needsBackend": false,
  "relatedModules": ["mortgage-calculator", "unit-converter"],
  "seoIntro": "Compound interest is the process by which interest earned on an investment is added to the principal so that future interest is earned on a larger base. Over long horizons it produces dramatically larger balances than simple interest — a phenomenon Einstein famously called \"the eighth wonder of the world\".\n\nThis calculator projects the future value of a savings or investment account given an initial deposit, recurring monthly contributions, an annual interest rate, a compounding frequency and an optional inflation rate. Everything runs locally in your browser.",
  "seoFaq": [
    { "q": "Which formula is used?", "a": "Future value = P(1+r/n)^(nt) for the lump sum, plus the future value of an annuity for the recurring contributions: PMT · ((1+r/n)^(nt) − 1) / (r/n). Contributions are added at the start of each month." },
    { "q": "What does compounding frequency change?", "a": "More frequent compounding earns slightly more because interest is added to the balance sooner. Daily vs annual at 5% over 30 years is roughly a 7% difference in final balance." },
    { "q": "How is inflation applied?", "a": "The real (inflation-adjusted) balance is computed by discounting the nominal balance by (1 + inflation)^t. It tells you the future value in today's purchasing power." },
    { "q": "Are taxes considered?", "a": "No. Tax treatment of savings interest varies wildly by country and account type. Treat the result as a pre-tax baseline." }
  ]
}