Finance Tools

Compound Interest Calculator

Estimate how your money grows over time with compound interest. Choose compounding frequency and view year-wise projections instantly.

Principal Amount

Annual Interest Rate (%)

Time (Years)

Compounding

How to calculate compound interest

Three inputs. The chart at the end is the part most people find useful.

01
Enter the principal and interest rate
The principal is the starting amount — what you're investing or depositing. The rate is the annual interest rate as a percentage.
02
Set the time period and compounding frequency
Enter the number of years and choose how often interest compounds. Monthly compounding on a 5% annual rate gives a slightly higher return than annual compounding — the difference grows larger over longer periods.
03
Read the result and the year-by-year chart
You'll see the final amount, total interest earned, and a breakdown by year. The chart makes it obvious why starting earlier matters more than the rate.

What people use it for

Savings account projections

Enter your current balance, the bank's interest rate, and how many years you plan to leave it. The result shows what it'll actually be worth — not what the bank's marketing says.

Comparing compounding frequencies

Daily vs monthly vs annual compounding on the same rate. The difference is small at 4–5%, but at higher rates or over 20+ years it adds up to real money.

Fixed deposit maturity value

Indian FDs typically compound quarterly. Enter the deposit amount, rate, and tenure to see the exact maturity value before you lock in.

The cost of waiting

Run the same calculation starting at age 25 vs 35. The gap in final value is usually shocking enough to motivate action.

Frequently asked questions

Free, no account needed.

Simple interest is calculated only on the principal. Compound interest is calculated on the principal plus all previously earned interest. On ₹1,00,000 at 8% for 10 years: simple interest gives ₹80,000 in interest; compound (annual) gives ₹1,15,892.

More frequent is better for savings — daily > monthly > quarterly > annually. But the difference is small at typical savings rates. Going from annual to monthly compounding at 6% over 10 years adds about 0.17% to the total return.

This calculator handles lump-sum investments. For regular monthly contributions (like SIPs), use the SIP calculator instead.

Nothing is sent anywhere. Runs in your browser.

Yes, on any modern phone or tablet browser.

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Calculate how monthly SIP investments grow into a corpus over time.

Investment Growth Calculator

SIP vs lump sum, goal planner, and inflation-adjusted projections.

FD Calculator

Fixed deposit maturity value with quarterly or annual compounding.

PPF Calculator

Project your PPF corpus with the current 7.1% tax-free rate.

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How to calculate compound interest

Three inputs. The chart at the end is the part most people find useful.

Enter the principal and interest rate

The principal is the starting amount — what you're investing or depositing. The rate is the annual interest rate as a percentage.

Set the time period and compounding frequency

Enter the number of years and choose how often interest compounds. Monthly compounding on a 5% annual rate gives a slightly higher return than annual compounding — the difference grows larger over longer periods.

Read the result and the year-by-year chart

You'll see the final amount, total interest earned, and a breakdown by year. The chart makes it obvious why starting earlier matters more than the rate.

What people use it for

Savings account projections

Enter your current balance, the bank's interest rate, and how many years you plan to leave it. The result shows what it'll actually be worth — not what the bank's marketing says.

Comparing compounding frequencies

Daily vs monthly vs annual compounding on the same rate. The difference is small at 4–5%, but at higher rates or over 20+ years it adds up to real money.

Fixed deposit maturity value

Indian FDs typically compound quarterly. Enter the deposit amount, rate, and tenure to see the exact maturity value before you lock in.

The cost of waiting

Run the same calculation starting at age 25 vs 35. The gap in final value is usually shocking enough to motivate action.

Frequently asked questions

Free, no account needed.

This calculator handles lump-sum investments. For regular monthly contributions (like SIPs), use the SIP calculator instead.

Nothing is sent anywhere. Runs in your browser.

Yes, on any modern phone or tablet browser.