Compound vs Linear Investment Dashboard

Compare a monthly-compounded investment (from an APY) with a simple linear investment (same APY). Monthly compounding uses monthly rate = (1+APY)^(1/12)-1.

Result snapshot

$0.00 (0.00%)

Inputs

Compound investment (monthly compounding using APY)

Starting amount

APY (%)

Years

Linear investment (simple interest)

Starting amount

APY (%)

Years

Tips:

APY must be entered as annual decimal percent (e.g., 6 = 6% APY).
Compound monthly uses APY → monthly rate: (1+APY)^(1/12)-1.
Linear = simple interest (no compounding): final = P × (1 + APY × years).

Comparison

Monthly steps (compound counted monthly)

Compound — Final value

$0.00

Interest earned: $0.00

Linear — Final value

$0.00

Interest earned: $0.00

Compound monthly rate

APY used: 0%

Linear effective annual (APY)

Years compared: 0

Monthly breakdown (first 24 months shown)

Total months: 0

Month	Compound value	Linear value

Formulas: Compound monthly: monthlyRate = (1 + APY)^(1/12) - 1 → monthly compounding; final = P × (1+monthlyRate)^(months). Linear (simple interest): final = P × (1 + APY × years). All APY inputs are percent values (6 = 6%).