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Investment & Compound Interest Calculator

See how regular monthly investing and compound growth can build wealth over time.

RM
RM
%
Projected value after 20 years
RM 219,080.04
Starting amountRM 5,000.00
Monthly contributionRM 500.00
Assumed return5.00% p.a.
Total contributedRM 125,000.00
Investment growthRM 94,080.04
Projected valueRM 219,080.04

Assumes a constant return compounded monthly. Real investment returns vary from year to year.

The power of compounding

Compound growth means your returns start earning their own returns. A small monthly amount, invested consistently and left to grow, can become a surprisingly large sum over 10-30 years.

This calculator projects the future value of a starting amount plus a fixed monthly contribution, assuming a constant annual return compounded monthly.

Realistic return assumptions

  • EPF - historically around 5-6% a year.
  • ASB / ASNB fixed-price funds - historically in a similar range.
  • Global equity index funds - higher long-run averages, but with real year-to-year ups and downs.

Returns are never guaranteed. Use a conservative rate and treat the result as a projection, not a promise.

Frequently asked questions

What return rate should I use?
Be conservative. For Malaysian instruments like EPF or ASB, 4-6% is reasonable. Higher figures imply more risk and more volatility.
How often is interest compounded here?
Monthly. Contributions and returns are added each month, so each month return is calculated on a slightly larger balance.
Is investing the same as saving?
No. Saving (like an FD) protects your money with low returns. Investing aims for higher returns but carries a risk of loss, especially in the short term.
Why does starting early matter so much?
Because compounding multiplies over time. Money invested in your 20s has decades to grow, so early contributions do far more work than later ones.

Related calculators

Fixed Deposit Calculator
Calculate the interest and maturity value of a Malaysian fixed deposit (FD).
EPF Calculator
Project how much your EPF (KWSP) savings could grow to by retirement, based on your salary and contributions.
Savings Goal Calculator
Find out how much you need to save each month to reach a financial goal by a set date.

Figures are estimates for general guidance only, not financial advice. Rates verified 2026. Always confirm with the relevant authority before making a decision.