Compound Interest Calculator
See how a starting amount plus regular top-ups can grow over time — and how much of the final figure is compounding rather than your own contributions.
How it grows
Balance vs what you contributed — the gap is compounding at work.
Where to put your money
To actually earn these returns, your money needs to be invested — not sitting in a current account.
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Frequently asked questions
What is compound interest?
Compound interest is interest earned on both your original money and the interest it has already earned. Over long periods this snowballs — the growth accelerates the longer you leave it invested.
What return rate should I use?
It depends where your money is. Fixed deposits sit around 2.5–4%, EPF has averaged roughly 5–6%, and diversified equity investing has historically returned more but with more risk. Use a rate that matches where you'll actually put the money.
Why does starting early matter so much?
Because compounding rewards time. RM500 a month from age 25 usually ends up far larger than the same amount started at 35, even though you contribute for only ten more years — the early money compounds for longer.
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