How often should I reinvest?

Mathematically, the more often the better. Monthly capitalization is more profitable than annual capitalization at the same rate.

What is this calculation good for?

The calculator is universal: it is suitable for bank deposits, savings accounts, investments in the stock market (ETFs, stocks, bonds).

Compound interest

Calculation of capitalization of investments with monthly replenishment

Initial amount ($)

Monthly fee ($)

Rate (%)

Term (years)

Interest calculation

Total capital:

$0.00

Your investments $0

Total replenishments $0

Interest accrued $0

Compound Interest Calculator

Q: What is deposit capitalization?

This is the addition of accrued interest to the deposit body. In the next period, interest will be accrued on the increased amount, triggering a snowball effect.

📈 The magic of compound interest: how money makes money

Compound Interest is the “eighth wonder of the world” according to Einstein. The point is simple: the profit is not withdrawn, but added to the principal amount, and next month the income drips onto the increased capital. Money grows exponentially.

💡 The main rule of an investor: Time is more important than money. The sooner you start using compound interest, the less money you will have to invest personally.

Calculation formula

To understand the mechanics, the following formula is used:

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Calculation of compound interest: formula for capitalization of depositsWhat is capitalization and how does it multiply capital In the financial world, there are two main mechanisms for calculating profitability.

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A = P × (1 + r/n)n × t

A - total amount of capital;
P - entry fee;
r—annual rate (0.1 for 10%);
n - frequency of payments (12 - if every month);
t—investment period in years.

Visual difference: Simple vs Compound interest

Let's imagine you invest 100,000 rubles at 10% per annum for 10 years.

Contribution type	In 5 years	In 10 years	Net profit
Simple percentage (Withdraw profit)	150,000 ₽	200,000 ₽	100,000 ₽
Complex percentage (Reinvest)	161,051 ₽	259,374 ₽	159,374 ₽

Result: by simply not withdrawing interest, you earned 59% more.

How to use the calculator

Initial amount: How much money you have now.
Replenishment: The amount you are willing to contribute monthly (this is the “fuel” for compound interest).
Rate: Expected percentage (for a deposit or return on shares).
Capitalization period: How often the bank calculates interest. Select Monthly for maximum accuracy.

Frequently asked questions (FAQ)

🔹 What is deposit capitalization?

This is a process when accrued interest is not paid to the card, but is added to the “body” of the deposit. In the next period, income is accrued for this increased amount, triggering the “snowball” effect.

🔹 How often should you reinvest?

Mathematically, the more often, the more profitable. Monthly capitalization generates more income than annual capitalization at the same rate. Our calculator allows you to select an interval and immediately see the difference in money.

🔹 For what purposes is this calculation suitable?

The tool is universal: it is suitable for calculating bank deposits, savings accounts, investing in the stock market (ETF, bonds) and planning for early retirement (FIRE).