Compound interest calculator for Sweden
See what regular contributions turn into over time.
Changing country switches the currency and resets the inputs to local starting values.
Your numbers
Balance after 25 years
4 923 176 kr
3 223 176 kr of it is growth
- Total contributed
- 1 700 000 kr
- Interest earned
- 3 223 176 kr
- Growth multiple
- 2.9×
- final balance ÷ money in
- Average growth per year
- 128 927 kr
Balance
by year| Period | Contributed | Growth | Balance |
|---|---|---|---|
| Year 3 | 300 800 kr | 46 451 kr | 347 251 kr |
| Year 6 | 491 600 kr | 148 165 kr | 639 765 kr |
| Year 9 | 682 400 kr | 318 012 kr | 1 000 412 kr |
| Year 12 | 873 200 kr | 571 863 kr | 1 445 063 kr |
| Year 15 | 1 064 000 kr | 929 284 kr | 1 993 284 kr |
| Year 18 | 1 254 800 kr | 1 414 401 kr | 2 669 201 kr |
| Year 21 | 1 445 600 kr | 2 056 955 kr | 3 502 555 kr |
| Year 24 | 1 636 400 kr | 2 893 620 kr | 4 530 020 kr |
| Year 25 | 1 700 000 kr | 3 223 176 kr | 4 923 176 kr |
Returns are assumed constant and gross of tax. Real markets are lumpy, so treat this as a trend line rather than a forecast.
How to read the result
Compounding is unremarkable for the first few years and then does almost all of the work at the end. Most people underestimate the back half badly.
Set a starting balance, a monthly contribution and a rate, and the projection below splits the final number into what you put in versus what the growth added.
This page is set to Sweden and prints SEK. Starts at a 3% deposit return. Every figure is a starting point you should overwrite with your own.
Worked example in SEK
Using the values the form starts with.
Balance after 25 years
4 923 176 kr
- Total contributed
- 1 700 000 kr
- Interest earned
- 3 223 176 kr
- Growth multiple
- 2.9×
- Average growth per year
- 128 927 kr
Questions people ask
- Monthly or annual compounding?
- This model compounds monthly and adds your contribution at the end of each month, which matches how most brokerage and savings accounts behave.
- What rate should someone in Sweden use?
- For a broad global equity index, 6–8% before inflation is a common planning assumption anywhere. For cash, use your local deposit rate — around 3% in Sweden at the moment.
- Does this account for tax?
- No. Tax-sheltered accounts exist in most countries and change the outcome materially, so compare the gross figure here against your own account rules.
Compound interest in other countries
Same maths, local currency and local starting values.