Compound Interest Calculator
Lump sum plus monthly DCA, monthly to annual payouts deducted from NAV — final assets, IRR and yearly breakdown in one view.
Growth chart
Yearly breakdown
| Year | Invested | Dividends | Year-end |
|---|---|---|---|
| 1 | 220,000 | 8,210 | 224,673 |
| 2 | 120,000 | 14,424 | 352,882 |
| 3 | 120,000 | 20,814 | 484,728 |
| 4 | 120,000 | 27,385 | 620,314 |
| 5 | 120,000 | 34,143 | 759,746 |
| 6 | 120,000 | 41,092 | 903,133 |
| 7 | 120,000 | 48,238 | 1,050,588 |
| 8 | 120,000 | 55,588 | 1,202,225 |
| 9 | 120,000 | 63,145 | 1,358,164 |
| 10 | 120,000 | 70,917 | 1,518,527 |
| 11 | 120,000 | 78,910 | 1,683,438 |
| 12 | 120,000 | 87,129 | 1,853,028 |
| 13 | 120,000 | 95,582 | 2,027,428 |
| 14 | 120,000 | 104,274 | 2,206,775 |
| 15 | 120,000 | 113,213 | 2,391,209 |
| 16 | 120,000 | 122,405 | 2,580,876 |
| 17 | 120,000 | 131,858 | 2,775,922 |
| 18 | 120,000 | 141,579 | 2,976,502 |
| 19 | 120,000 | 151,576 | 3,182,771 |
| 20 | 120,000 | 161,857 | 3,394,891 |
Monthly compounding; DCA at each month's start. Fees accrue monthly inside NAV; payouts are taxed before distribution (ex-div), reinvest puts net payouts back.
How to use
- Enter lump sum, monthly DCA and years.
- Set annual return and yield, pick payout frequency and cash-out or reinvest.
- See final assets and IRR on top, yearly table below.
FAQ
Why do dividends reduce principal?
Stock and fund dividends come out of NAV — on the ex-div date NAV drops by the payout and the cash comes to you, so it is your own money changing hands.
Cash out vs reinvest?
Cashing out spends the dividends and leaves only NAV; reinvesting buys back in and keeps compounding, ending clearly higher over time.
What if yield exceeds return?
The total rarely turns negative, but NAV gets hollowed out: final assets fall below invested principal and payouts shrink yearly. Set yield above return and compare the Final assets and NAV gain cards.
How is annualized return computed?
Monthly cash flows (contributions, payouts, final assets) are solved for monthly IRR and annualized — more accurate than total return divided by years when DCA is involved.