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Compound interest is the process of earning interest on your interest. Unlike simple interest, which only applies to your original deposit, compound interest is calculated on both the principal and the accumulated interest from previous periods. This creates exponential growth — the longer you leave your money invested, the faster it grows.
A = P(1 + r/n)^(nt) — where P is principal, r is rate, n is compounding frequency, and t is time in years.
$200/month at 7% for 30 years grows to approximately $243,000 — you only contributed $72,000. Starting 10 years earlier can more than double your final balance.
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