Compound Interest Calculator
Project how your savings grow over time with compound interest. Use the reference rates below to model a regular savings account, time deposit, digital bank, Pag-IBIG MP2, or S&P 500 index investment.
Compound Interest Projector
Gross of tax. Reinvested earnings only.
Market Rate Reference (PH 2026)
Indicative annual yields. Click any rate above the calculator to apply it.
| Product | Est. Rate p.a. | Notes |
|---|---|---|
| Regular savings account | 0.25% | Big-bank passbook/ATM savings (BPI, BDO, Metrobank) |
| Time deposit (1-year) | 3.50% | Typical local-bank peso time deposit, gross of 20% final tax |
| Digital bank savings | 4.00% | CIMB, Maya, SeaBank, Tonik base/promo rates (PDIC-insured) |
| Pag-IBIG MP2 Savings | 6.75% | 5-year average of declared MP2 dividends (tax-free) |
| S&P 500 index (long-term) | 10.00% | ~30-year historical USD CAGR — not guaranteed, FX risk applies |
Frequently Asked Questions
What is compound interest?
Compound interest is the interest you earn on both your original principal and on the interest that has already been credited. Over long periods this 'interest on interest' effect grows your money much faster than simple interest.
How accurate are the reference rates?
The reference rates are indicative market estimates for the Philippines in 2026 based on published bank rate sheets, BSP statistics, Pag-IBIG MP2 historical dividends, and long-term S&P 500 returns. Actual yields vary by provider, promo period, and market conditions, and most rates (except MP2) are subject to 20% final withholding tax.
What's the difference between monthly and yearly compounding?
More frequent compounding gives a slightly higher effective yield because earnings are credited and reinvested sooner. Most Philippine savings products credit interest monthly or quarterly; MP2 and time deposits typically compound annually at maturity.
Does this calculator include taxes?
No. Results are shown gross of tax. In the Philippines, most interest income is subject to a 20% final withholding tax. Pag-IBIG MP2 dividends and qualifying long-term time deposits (5+ years) are tax-exempt.