Compound interest: why time beats the tip amount

Compound interest reinvests earnings — you earn interest on interest. Over long horizons the effect dwarfs simple interest.

Rate and time often matter more than slightly larger early contributions. Start early even with small amounts.

Monthly contributions smooth entries; the calculator projects initial capital plus deposits.

Past returns do not guarantee future ones. Use the tool for educational scenarios, not investment advice.

Try different rates and terms in the compound interest calculator to see how outcomes change.