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Compound interest
Calculate how your savings grow with compound interest: final value, return and what the money is worth after inflation.
How compound interest works
Compound interest means the return itself earns a return. What decides the final value is how long the money is allowed to grow – time matters more than the amount you start with. Saving 2,000 kr a month for 20 years means 480,000 kr invested, but at a 7 percent annual return it grows to more than double that.
The calculation assumes the annual return is spread evenly over the twelve months of the year and that the monthly saving is deposited at the end of each month. Inflation is applied separately, so you can see what the final value is worth in today’s money. The return is the figure you enter yourself – past performance is no guarantee of future returns, and tax and fund fees are not included.
If you save in funds or shares in an investment savings account (ISK) you pay a flat annual tax instead of tax on the gain – see our calculator for ISK, endowment insurance and a regular securities account for what that means.
The calculation is based on your own assumptions about return and inflation. Guidance only, not investment advice.
| Savings horizon | Capital invested | Final value | Of which return |
|---|---|---|---|
| 5 years | 120 000 kr | 142 392 kr | 22 392 kr |
| 10 years | 240 000 kr | 342 103 kr | 102 103 kr |
| 20 years | 480 000 kr | 1 015 073 kr | 535 073 kr |
| 30 years | 720 000 kr | 2 338 905 kr | 1 618 905 kr |
| 40 years | 960 000 kr | 4 943 084 kr | 3 983 084 kr |
Updated for 2026 · Source: Skatteverket / SCB · About the calculations