The 8th Wonder Simulator

"Compound interest is the eighth wonder of the world. He who understands it, earns it... he who doesn't... pays it." - Albert Einstein.

Use this simulator to see the massive Wealth Gap generated by compound interest compared to simple interest over long periods.

Principal Amount

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Rate of Interest

Time Period (Years)

Compounding Frequency

Simple Interest Value

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Compound Interest Value

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The "Compounding Gap"

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Simple vs Compound Interest

Simple Interest grows linearly – you earn interest only on your principal.

Compound Interest grows exponentially – you earn interest on your principal PLUS the interest you've already earned. As the graph shows, the gap between the two explodes after year 10. This is why starting early is crucial.

Disclaimer

Educational Use Only: This tool is meant for estimation purposes. Actual returns may vary based on market conditions.