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Interest rate calculator
Calculate compound interest with our return calculator
Interest rate calculator
Calculate compound interest with our return calculator
Interest rate calculator
Calculate compound interest with our return calculator
Interest rate calculator
Calculate compound interest with our return calculator
How our compound interest calculator works
Slider
Your path, your pace. With a few clicks in the compound interest calculator, you can simulate your journey: Start with your desired amount and see how much tailwind a monthly savings plan gives you.
Choose your strategy. We’ve pre-selected “Balanced” for you so you can see right away what’s possible. But you can step it up or slow it down at any time. Choose the investment solution that fits your life.
Visualize your freedom. Drag the timeline into the future and let compound interest work its magic. This way, you see in black and white how small steps turn into real independence over the years.
Calculation basis savings account
For the savings account, we use an interest rate of 0.25% in our calculator. Sure, some banks lure you with slightly higher rates for a short time. But look closely: these offers often only apply for a limited period or up to a certain amount. We prefer to stick to a realistic view so you know where you stand. Because true financial freedom needs a solid foundation instead of bait-and-switch offers.
Clear app
With our calculator, you discover the potential of your money. Your advantage grows with every factor: how much you invest at the start, how regularly you add to it, and how much time you give your assets to work. Something fascinating happens: your money doesn’t just grow steadily step by step. Thanks to compound interest effect, your journey gains momentum – the longer you stay on board, the steeper the curve points upward. Small, regular contributions thus turn into a considerable sum for your financial freedom over time. Time is your most valuable ally here.
How our compound interest calculator works
Slider
Your path, your pace. With a few clicks in the compound interest calculator, you can simulate your journey: Start with your desired amount and see how much tailwind a monthly savings plan gives you.
Choose your strategy. We’ve pre-selected “Balanced” for you so you can see right away what’s possible. But you can step it up or slow it down at any time. Choose the investment solution that fits your life.
Visualize your freedom. Drag the timeline into the future and let compound interest work its magic. This way, you see in black and white how small steps turn into real independence over the years.
Calculation basis savings account
For the savings account, we use an interest rate of 0.25% in our calculator. Sure, some banks lure you with slightly higher rates for a short time. But look closely: these offers often only apply for a limited period or up to a certain amount. We prefer to stick to a realistic view so you know where you stand. Because true financial freedom needs a solid foundation instead of bait-and-switch offers.
Clear app
With our calculator, you discover the potential of your money. Your advantage grows with every factor: how much you invest at the start, how regularly you add to it, and how much time you give your assets to work. Something fascinating happens: your money doesn’t just grow steadily step by step. Thanks to compound interest effect, your journey gains momentum – the longer you stay on board, the steeper the curve points upward. Small, regular contributions thus turn into a considerable sum for your financial freedom over time. Time is your most valuable ally here.
How our compound interest calculator works
Slider
Your path, your pace. With a few clicks in the compound interest calculator, you can simulate your journey: Start with your desired amount and see how much tailwind a monthly savings plan gives you.
Choose your strategy. We’ve pre-selected “Balanced” for you so you can see right away what’s possible. But you can step it up or slow it down at any time. Choose the investment solution that fits your life.
Visualize your freedom. Drag the timeline into the future and let compound interest work its magic. This way, you see in black and white how small steps turn into real independence over the years.
Calculation basis savings account
For the savings account, we use an interest rate of 0.25% in our calculator. Sure, some banks lure you with slightly higher rates for a short time. But look closely: these offers often only apply for a limited period or up to a certain amount. We prefer to stick to a realistic view so you know where you stand. Because true financial freedom needs a solid foundation instead of bait-and-switch offers.
Clear app
With our calculator, you discover the potential of your money. Your advantage grows with every factor: how much you invest at the start, how regularly you add to it, and how much time you give your assets to work. Something fascinating happens: your money doesn’t just grow steadily step by step. Thanks to compound interest effect, your journey gains momentum – the longer you stay on board, the steeper the curve points upward. Small, regular contributions thus turn into a considerable sum for your financial freedom over time. Time is your most valuable ally here.
3 simple steps to investing
1
Download the app and open an account
Download the app and register anytime and anywhere, on the tram or from the comfort of your sofa. We will open your cash and custody account right away.
2
Choose investment solution
3
Deposit money and set up a standing order
3 simple steps to investing
1
Download the app and open an account
Download the app and register anytime and anywhere, on the tram or from the comfort of your sofa. We will open your cash and custody account right away.
2
Choose investment solution
3
Deposit money and set up a standing order
3 simple steps to investing
1
Download the app and open an account
Download the app and register anytime and anywhere, on the tram or from the comfort of your sofa. We will open your cash and custody account right away.
2
Choose investment solution
3
Deposit money and set up a standing order
You're ready in 10 minutes
Scan the QR code, download the app, and set off towards greater financial independence
You're ready in 10 minutes
Scan the QR code, download the app, and set off towards greater financial independence
To your own investment solution in just a few steps
Start with one of five ready-made solutions – you then build your personal mix directly in the app.
You're ready in 10 minutes
Scan the QR code, download the app, and set off towards greater financial independence
Talk to humans, not to bots
Book a non-binding Call with Kay or Jordan.
Free of charge · 30 min · online
Talk to humans, not to bots
Book a non-binding Call with Kay or Jordan.
Free of charge · 30 min · online
Talk to humans, not to bots
Book a non-binding Call with Kay or Jordan.
Free of charge · 30 min · online
Talk to humans, not to bots
Book a non-binding Call with Kay or Jordan.
Free of charge · 30 min · online
Why investing pays off
Your money in the savings account is sleeping – and quite deeply, unfortunately. When you choose an investment solution, you wake it up. This way, you make significantly more from your savings in the long term and use compound interest as your strongest ally on the path to more financial freedom. You now have the numbers in black and white – time to put them into action. In the video, Kay shows you with a concrete example why the right time to start is exactly now.
The video is in lovely Swiss German. However, you can enable English subtitles.
Compound interest effect
Compound interest is, as the name suggests, interest that accrues on your existing interest. If you reinvest the interest from your investment, you will earn interest on it again. The longer you reinvest your earnings, the more you benefit from this effect, the so-called compound interest effect.
A side note: By interest here we mean the return. That is why it should correctly be called “returns” and not “compound interest”. The compound interest calculator would then be called yield calculator. However, the term compound interest has definitely become established.
Compound interest effect
Compound interest is, as the name suggests, interest that accrues on your existing interest. If you reinvest the interest from your investment, you will earn interest on it again. The longer you reinvest your earnings, the more you benefit from this effect, the so-called compound interest effect.
A side note: By interest here we mean the return. That is why it should correctly be called “returns” and not “compound interest”. The compound interest calculator would then be called yield calculator. However, the term compound interest has definitely become established.
Compound interest effect
Compound interest is, as the name suggests, interest that accrues on your existing interest. If you reinvest the interest from your investment, you will earn interest on it again. The longer you reinvest your earnings, the more you benefit from this effect, the so-called compound interest effect.
A side note: By interest here we mean the return. That is why it should correctly be called “returns” and not “compound interest”. The compound interest calculator would then be called yield calculator. However, the term compound interest has definitely become established.
Fun fact about the compound interest calculator
Albert Einstein commented on compound interest at the beginning of the 20th century. There are various quotes attributed to him. “Compound interest is the eighth wonder of the world. Whoever understands it earns from it, everyone else pays for it” Einstein is also said to have said that the “greatest invention of human thought is compound interest”.
Fun fact about the compound interest calculator
Albert Einstein commented on compound interest at the beginning of the 20th century. There are various quotes attributed to him. “Compound interest is the eighth wonder of the world. Whoever understands it earns from it, everyone else pays for it” Einstein is also said to have said that the “greatest invention of human thought is compound interest”.
Fun fact about the compound interest calculator
Albert Einstein commented on compound interest at the beginning of the 20th century. There are various quotes attributed to him. “Compound interest is the eighth wonder of the world. Whoever understands it earns from it, everyone else pays for it” Einstein is also said to have said that the “greatest invention of human thought is compound interest”.
Return does not come without risk
Risk
Financial markets fluctuate and no one can predict exactly how they will change. Therefore, even with findependent’s compound interest calculator, there is no guarantee that your investment will actually develop in this way. We make assumptions when calculating returns, which are of course not universally valid. However, they are based on actual, historical values.
Fees
Investing money is always associated with certain costs. In addition to product costs and external transaction costs, there are usually fees for administration and custody account management.
Just like your interest rates, the level of your fees also plays a major role. The lower the fees of your investment solution, the more of your savings will be left for you.
Freemium
With findependent you benefit from paying no management and custody fees up to an amount of 2’000 francs, for life.
On your investment sum above 2’000 francs you pay 0.40% per year. From 50,000 francs, we have also introduced a sliding scale, with fees gradually decreasing down to 0.29%. You can find the exact scale in the fee overview.
Return does not come without risk
Risk
Financial markets fluctuate and no one can predict exactly how they will change. Therefore, even with findependent’s compound interest calculator, there is no guarantee that your investment will actually develop in this way. We make assumptions when calculating returns, which are of course not universally valid. However, they are based on actual, historical values.
Fees
Investing money is always associated with certain costs. In addition to product costs and external transaction costs, there are usually fees for administration and custody account management.
Just like your interest rates, the level of your fees also plays a major role. The lower the fees of your investment solution, the more of your savings will be left for you.
Freemium
With findependent you benefit from paying no management and custody fees up to an amount of 2’000 francs, for life.
On your investment sum above 2’000 francs you pay 0.40% per year. From 50,000 francs, we have also introduced a sliding scale, with fees gradually decreasing down to 0.29%. You can find the exact scale in the fee overview.
Return does not come without risk
Risk
Financial markets fluctuate and no one can predict exactly how they will change. Therefore, even with findependent’s compound interest calculator, there is no guarantee that your investment will actually develop in this way. We make assumptions when calculating returns, which are of course not universally valid. However, they are based on actual, historical values.
Fees
Investing money is always associated with certain costs. In addition to product costs and external transaction costs, there are usually fees for administration and custody account management.
Just like your interest rates, the level of your fees also plays a major role. The lower the fees of your investment solution, the more of your savings will be left for you.
Freemium
With findependent you benefit from paying no management and custody fees up to an amount of 2’000 francs, for life.
On your investment sum above 2’000 francs you pay 0.40% per year. From 50,000 francs, we have also introduced a sliding scale, with fees gradually decreasing down to 0.29%. You can find the exact scale in the fee overview.
You're ready in 10 minutes
Scan the QR code, download the app, and set off towards greater financial independence
You're ready in 10 minutes
Scan the QR code, download the app, and set off towards greater financial independence
You're ready in 10 minutes
Download the app and set off towards greater financial independence
To your own investment solution in just a few steps
Start with one of five ready-made solutions – you then build your personal mix directly in the app.
Findependent AG is an account-holding securities firm authorised and supervised by the Swiss Financial Market Supervisory Authority FINMA.
The information on this website constitutes advertising for the financial services provided by findependent.
ENGLISH
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© Findependent AG 2026
Findependent AG is an account-holding securities firm authorised and supervised by the Swiss Financial Market Supervisory Authority FINMA.
The information on this website constitutes advertising for the financial services provided by findependent.
© Findependent AG 2026
Findependent AG is an account-holding securities firm authorised and supervised by the Swiss Financial Market Supervisory Authority FINMA.
The information on this website constitutes advertising for the financial services provided by findependent.