If you put $1,000 into a compound interest savings account offering 6% interest compounded daily, after two years you would have earned $127.49. This would bring your account total to $1,127.49. That may not sound like a lot of money, but it represents $127.49 in free money that you didn't have to work for. You only had to choose the right initial investment. After 20 years, you would have $3,319.79.