Compound Interest Calculator (Deposit + Savings)

Future value of a lump sum plus monthly deposits with annual/quarterly/monthly compounding — growth breakdown by source.

Also available in 한국어

Initial principal ($)Monthly deposit ($)Annual rate (%)YearsCompoundingApply 15.4% Korean interest taxKorean residents only

The amounts you entered are included in the link. Anyone with the link sees the same result.

Maturity value (pre-tax)

127,051원

12만 7천 5십 1원

How it was calculated

01Principal growth
30,000 × (1 + 0.004167)^120 (monthly compounding)
Basis: Compound future value FV = P(1+i)^n
49,410원
02Monthly deposit growth
500 × [((1+i)^120 − 1) / i] — ordinary annuity (end-of-month deposits)
Basis: Future value of an ordinary annuity
77,641원
03Pre-tax maturity value
principal growth 49,410 + deposit growth 77,641
127,051원
04Tax not applied
Enable the after-tax option for a standard taxable account
Basis: Korean income tax act 제129조 (14% withholding + 1.4% local)
0원
05After-tax maturity value
127,051 − 0
127,051원

Reference simulation only, not tax advice. Verify with official sources before filing or paying.