Compound interest is the difference between the cash you contribute to an investment and the actual future value of the investment. In this case, by contributing just $0 per year with the annual contribution being increased by 0% per year (cumulative contributions of $2,331,000) you are able to accumulate $2.3456053E7 over 30 years. Compound interest makes up $2.1125053E7 of your future balance. <div id="chart1Container">Chart will load here</div> <script type="text/javascript"> <!-- var myChart1 = new FusionCharts( "Pie2D", "myChart1Id", "100%", "100%", "0", "1" ); myChart1.setXMLData("<chart showValues='1' showFCMenuItem='0' decimals='0' formatNumberScale='0' startingAngle='45' enableRotation='1' caption='Value Of Compound Interest' xAxisName='' numberPrefix='$' bgColor='FFFFFF' showBorder='1' borderColor='FFFFFF' borderThickness='1' canvasBgColor='E6E3CF' palette='2' numberSuffix='' thousandSeparator=',' decimalSeparator='.'><set value='2331000.0' label='Beginning Balance' /><set value='0.0' label='Annual Contributions' /><set value='2.1125053E7' label='Compound Interest' /></chart>"); // --> </script> <table class='pure-table pure-table-bordered' role='grid'><tr><th scope="col">Year</th><th scope="col">Beginning Balance</th><th scope="col">Savings @ 0.00%</th><th scope="col">Interest @ 8.00%</th><th scope="col">Ending Balance</th></tr><tr><td role="rowheader" scope="row">1</td><td>$2,331,000</td><td>$0</td><td>$186,480</td><td>$2,517,480</td></tr><tr><td role="rowheader" scope="row">2</td><td>2,517,480</td><td>0</td><td>201,398</td><td>2,718,878</td></tr><tr><td role="rowheader" scope="row">3</td><td>2,718,878</td><td>0</td><td>217,510</td><td>2,936,389</td></tr><tr><td role="rowheader" scope="row">4</td><td>2,936,389</td><td>0</td><td>234,911</td><td>3,171,300</td></tr><tr><td role="rowheader" scope="row">5</td><td>3,171,300</td><td>0</td><td>253,704</td><td>3,425,004</td></tr><tr><td role="rowheader" scope="row">6</td><td>3,425,004</td><td>0</td><td>274,000</td><td>3,699,004</td></tr><tr><td role="rowheader" scope="row">7</td><td>3,699,004</td><td>0</td><td>295,920</td><td>3,994,924</td></tr><tr><td role="rowheader" scope="row">8</td><td>3,994,924</td><td>0</td><td>319,594</td><td>4,314,518</td></tr><tr><td role="rowheader" scope="row">9</td><td>4,314,518</td><td>0</td><td>345,161</td><td>4,659,680</td></tr><tr><td role="rowheader" scope="row">10</td><td>4,659,680</td><td>0</td><td>372,774</td><td>5,032,454</td></tr><tr><td role="rowheader" scope="row">11</td><td>5,032,454</td><td>0</td><td>402,596</td><td>5,435,051</td></tr><tr><td role="rowheader" scope="row">12</td><td>5,435,051</td><td>0</td><td>434,804</td><td>5,869,855</td></tr><tr><td role="rowheader" scope="row">13</td><td>5,869,855</td><td>0</td><td>469,588</td><td>6,339,443</td></tr><tr><td role="rowheader" scope="row">14</td><td>6,339,443</td><td>0</td><td>507,155</td><td>6,846,598</td></tr><tr><td role="rowheader" scope="row">15</td><td>6,846,598</td><td>0</td><td>547,728</td><td>7,394,326</td></tr><tr><td role="rowheader" scope="row">16</td><td>7,394,326</td><td>0</td><td>591,546</td><td>7,985,872</td></tr><tr><td role="rowheader" scope="row">17</td><td>7,985,872</td><td>0</td><td>638,870</td><td>8,624,742</td></tr><tr><td role="rowheader" scope="row">18</td><td>8,624,742</td><td>0</td><td>689,979</td><td>9,314,721</td></tr><tr><td role="rowheader" scope="row">19</td><td>9,314,721</td><td>0</td><td>745,178</td><td>10,059,899</td></tr><tr><td role="rowheader" scope="row">20</td><td>10,059,899</td><td>0</td><td>804,792</td><td>10,864,691</td></tr><tr><td role="rowheader" scope="row">21</td><td>10,864,691</td><td>0</td><td>869,175</td><td>11,733,866</td></tr><tr><td role="rowheader" scope="row">22</td><td>11,733,866</td><td>0</td><td>938,709</td><td>12,672,576</td></tr><tr><td role="rowheader" scope="row">23</td><td>12,672,576</td><td>0</td><td>1,013,806</td><td>13,686,382</td></tr><tr><td role="rowheader" scope="row">24</td><td>13,686,382</td><td>0</td><td>1,094,911</td><td>14,781,292</td></tr><tr><td role="rowheader" scope="row">25</td><td>14,781,292</td><td>0</td><td>1,182,503</td><td>15,963,796</td></tr><tr><td role="rowheader" scope="row">26</td><td>15,963,796</td><td>0</td><td>1,277,104</td><td>17,240,899</td></tr><tr><td role="rowheader" scope="row">27</td><td>17,240,899</td><td>0</td><td>1,379,272</td><td>18,620,171</td></tr><tr><td role="rowheader" scope="row">28</td><td>18,620,171</td><td>0</td><td>1,489,614</td><td>20,109,785</td></tr><tr><td role="rowheader" scope="row">29</td><td>20,109,785</td><td>0</td><td>1,608,783</td><td>21,718,568</td></tr><tr><td role="rowheader" scope="row">30</td><td>21,718,568</td><td>0</td><td>1,737,485</td><td>23,456,053</td></tr></table>