Compounded 4×/year
Quarterly Compound Interest
Common for CDs, corporate bonds, and dividend-reinvestment plans — four interest posts a year.
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Future value
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After
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Contributed
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Principal + deposits
Interest earned
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Effective APY
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Growth over time
Principal, contributions, and interest — stacked year by year.
PrincipalContributionsInterest
Year-by-year breakdown
Opening balance, deposits, interest, closing balance.
Show table
Year-by-year breakdown
Opening balance, deposits, interest, closing balance.
| Year | Opening | Net flows | Interest | Closing |
|---|
FAQ
Frequently asked
What posts interest quarterly?
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Many certificates of deposit, some corporate bonds, and most dividend-paying stocks pay four times a year. If you reinvest the dividends, you're compounding quarterly.
How does quarterly compare to monthly?
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At 6% nominal, quarterly compounding gives 6.136% APY; monthly gives 6.168%. The difference is about 3 basis points — small, but consistent over long horizons.
Can I model quarterly dividends with reinvestment?
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Yes. Set the compound frequency to quarterly and enter the dividend yield as the interest rate (add expected price growth if you want total return). Reinvested dividends then compound four times a year, the way a DRIP (dividend reinvestment plan) works. Use the deposit field only for new money you add — entering the dividends there as well would count them twice.
Start compounding, keep compounding.
Open the calculator, change one number, and watch the long tail.