Daily Compound Interest Calculator

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Principal amount

Rate (%) 

→ Years , Months , Daily

Daily reinvest rate

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Projection for :

Investment value

Total days / Business days

Total interest / earnings

Percentage profit

Earnings breakdown :

→ Daily , Weekly, Monthly , yearly

Why Use This Daily Compound Interest Calculator?

What is Daily Compound Interest?
Daily compound interest works by calculating your earned interest every single day and immediately adding it to your balance. The next day, interest is then calculated on this new higher balance. This daily cycle means your money grows faster compared to monthly, quarterly or yearly compounding.

Where is Daily Compounding Used?
Savings and Investments: Banks and investment accounts often compound interest daily on savings accounts, CDs, and money market accounts — you earn interest on both your principal and previously accrued interest.
Trading with Margin: When trading CFDs, Forex, or options, daily compounding applies to both gains and losses. Note that margin trading is high risk — you can lose more than your initial investment.

How is Daily Compound Interest Calculated?
Formula with a fixed daily rate: A = P(1+r)^t
Where A = Future value, P = Principal, r = Daily interest rate (decimal), t = Number of days.

Example : $1,000 at 0.4% daily for 365 days gives A = 1000 × (1.004)^365 = $4,293.44. Total interest earned = $3,293.44.

If you have an annual rate instead, use: A = P(1 + r/365)^(365t)

Daily Reinvest Rate
You can choose what percentage of daily interest to reinvest. For example, reinvesting 80% of daily interest means 80% stays in your investment to keep compounding, while 20% is withdrawn as cash each day.

Excluding Weekends
If you only trade on weekdays, you can exclude weekends from your calculation. For example, compounding for one year minus weekends means approximately 261 business days of compounding instead of 365.