💹 Continuous Compound Interest Calculator
Enter your principal, annual interest rate, and time period to calculate the future value using continuous compounding.
What is continuous compound interest?
Continuous compounding assumes that interest is calculated and added to the balance an infinite number of times per year, rather than monthly, quarterly, or annually. It represents the theoretical upper limit of how much compounding can boost growth for a given nominal rate.
How this calculator works
The future value is found using the formula A = P × ert, where P is the principal, r is the annual interest rate (as a decimal), t is the time in years, and e is Euler’s number (approximately 2.71828). This calculator also reports the effective annual rate, which is the equivalent yearly rate you’d need under simple annual compounding to match continuous compounding.
In practice, very few real-world accounts compound continuously — most compound daily, monthly, or annually — but continuous compounding is a useful theoretical benchmark and appears frequently in finance and economics coursework.
This calculator is for general educational and planning purposes only.