About Rate Hut

Rate Hut is a free compound interest calculator that shows how savings grow with different rates, compounding schedules and regular deposits.

What you can do on Rate Hut

• Compound Interest Calculator – Project growth with daily, monthly, quarterly or annual compounding.
• Simple vs Compound Interest – See how much more compounding earns than simple interest.
• Regular Contributions – Add monthly deposits to model a savings plan.
• Compounding Frequency Comparison – Compare results across different compounding schedules.
• Growth Chart and Yearly Breakdown – Visualize balance, interest and contributions year by year.
• Rule of 72 – Get a quick estimate of how long your money takes to double.

Open the Compound Interest Calculator

How it works

• Free to use: no account, sign-up or payment is required.
• All calculations run locally in your browser. The amounts and rates you enter are not sent to our servers.
• Works in modern desktop and mobile browsers, with nothing to install.
• The interface is available in English and Chinese.
• The site is supported by advertising, which keeps every tool free.

Who runs Rate Hut

Rate Hut is an independent project run by a solo developer. The goal is simple: fast, uncluttered tools that respect your privacy, open instantly and never ask you to register.

Why we built it

Compound interest is easy to describe but hard to picture: small differences in rate, frequency or monthly deposits add up to large gaps over decades. Rate Hut turns those assumptions into clear numbers and charts so savers can compare options at a glance.

Feedback

Suggestions and bug reports directly shape what gets improved next. Send yours through the Contact page.