Simple, compound, continuous, or monthly accrual — with a full year-by-year breakdown and growth chart. Know your number before you commit.
Simple · Compound · Continuous · Monthly Accrual
Configure Your Calculation
Growth Over Time
Breakdown by Year
| Period | Balance | Interest This Period | Total Contributed | Cumulative Interest |
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Why gjori.ai built this
Most interest calculators give you one number and call it done. But the number that matters isn't just your final balance — it's how you got there. What's the actual split between principal, contributions, and interest? What does compounding daily versus annually actually cost you? What does 1.5% per month look like on a tax lien over three years? This tool shows you the math, the period-by-period growth, and the formula behind every result — so you can make an informed decision, not just accept a headline rate.
Who uses this
Interest calculations come up constantly — savings accounts, loans, investments, tax liens, business decisions. Here's who checks their numbers here.
Compare what different savings account rates actually mean over five or ten years — not just the APY headline, but the real dollar difference.
Model long-term compound growth with regular monthly contributions. See what consistent investing actually does to the curve over decades.
Calculate exact accrual on tax lien certificates using the monthly rate method. Know your redemption value at any point in the lien period.
Evaluate financing options, calculate interest on business lines of credit, or model returns on capital you're considering deploying.
Visualize the difference between simple and compound interest for personal finance education. The period-by-period table makes the concept concrete.
Quick client-facing projections without spinning up a spreadsheet. Run three scenarios in three minutes and share the numbers on the spot.
Common questions
Simple interest is calculated only on the original principal — it doesn't grow on itself. Compound interest calculates on both principal and accumulated interest at a set frequency (daily, monthly, annually, etc.). Continuous compounding is the theoretical limit using the mathematical constant e. Monthly Rate accrual applies a fixed percentage each month to the running balance — this is how most tax liens, some credit products, and certain penalties are structured.
Use Monthly Rate when the interest rate is stated as a percentage per month rather than per year. Tax lien certificates in most states are issued with a monthly statutory rate (e.g. 1.5%/month in many jurisdictions). Some credit cards and penalty structures also work this way. The tool converts the monthly rate to an annualized equivalent so you can compare it to other products.
APY (Annual Percentage Yield) is the effective annual return when compounding is factored in. A 5% rate compounded monthly produces an APY of about 5.116% — because interest earned early in the year earns interest itself in later months. For monthly rate accrual, the tool shows both the simple annualized rate (monthly × 12) and the true compounded APY so you can compare apples to apples.
Yes — use the months toggle on the time period input. The tool calculates correctly for any number of months and shows a month-by-month breakdown in the table.
Yes — we build custom versions for financial platforms, credit unions, tax lien investment platforms, HR benefits portals, and financial education programs. A branded embed with your rates pre-populated, your color scheme, and your compliance language is a one-week build. Talk to us about a custom build →
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Custom-branded interest calculators for credit unions, financial platforms, tax lien investment tools, HR benefits portals, and educational programs — with your rates, your branding, and your compliance language built in.
You'll hear from us within one business day.
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