How much does $10,000 earn at 5% APY with daily compounding for 30 years?

$10,000 at 5% APY compounded daily for 30 years grows to $44,812 — interest earned $34,812. The effective APY after daily compounding is 5.127%, slightly higher than the 5% nominal rate because each day's interest earns interest the next day.

A = P × (1 + r/365)^(365 × t) where P = $10,000 principal, r = 0.0500 annual rate as decimal, 365 = compounding periods per year, t = 30 years. Plugging in: $10,000 × (1 + 0.000137)^10950 = $44,812.

Is 5% APY realistic in 2026?

Yes — top-tier 2026 HYSAs and short-term CDs paid around 5% APY through most of the past year. Rates can change quickly with Fed policy, so check the bank's current product page before committing.

Does daily compounding actually matter vs monthly?

Slightly. The gap between daily and monthly compounding at the same nominal rate is small: at 5% APR over 1 year, daily produces APY 5.127% vs monthly 5.116% — about $1 per $10,000 difference. Over 30 years on the same balance, the gap widens to roughly $150 because the rate gap compounds. Compounding frequency is much less important than the headline rate (APY) and your time horizon.

Daily compound scenario · Verified 2026-06-15

$10,000 at 5% APY daily compound for 30 years

Grows to $44,812. You earn $34,812 in interest at an effective APY of 5.127%.

Final balance

$44,812

Interest earned

$34,812

Effective APY

5.127%

Quick context

Long-horizon HYSA test (rate unlikely to hold).

How this number was calculated

Daily compound interest formula with n = 365 compounding periods per year:

A = P × (1 + r/n)^(n × t)

where:
  P = $10,000          (principal)
  r = 0.0500              (annual rate as decimal)
  n = 365                  (compounding periods per year — daily)
  t = 30                   (years)

Daily rate = r/n = 0.000137     (0.01370% per day)

Final balance = $10,000 × (1 + 0.000137)^10950
              = $44,812

Interest earned = $44,812 − $10,000 = $34,812
Effective APY = (1 + 0.000137)^365 − 1 = 5.127%

Same closed-form math used by Investor.gov (SEC) and the Federal Reserve. Want to run a different combination? Open the full calculator.

Year-by-year breakdown

Year	Interest earned	Year-end balance
1	$513	$10,513
2	$539	$11,052
3	$567	$11,618
… 24 more years …
28	$1,977	$40,548
29	$2,079	$42,627
30	$2,185	$44,812

Related daily-compound scenarios

$1,000 at 5% APY daily compound for 1 year

→ $1,051 (1 year at 5%)

$1,000 at 5% APY daily compound for 10 years

→ $1,649 (10 years at 5%)

$5,000 at 5% APY daily compound for 5 years

→ $6,420 (5 years at 5%)

$10,000 at 5% APY daily compound for 1 year

→ $10,513 (1 year at 5%)

Try different inputs

Full daily compound interest calculator

Change principal, APY, or years to model your exact HYSA, CD, or money market scenario. Visual chart and year-by-year breakdown included.

Open the calculator →

Educational tool. APY rates fluctuate with Federal Reserve policy and the rate environment; verify the current rate at your bank's product page before relying on this projection. Past rates do not guarantee future rates. Verified 2026-06-15.