Compound Interest Calculator
Calculate compound interest with daily, monthly, quarterly, or yearly compounding.
Compounding Frequency
Maturity Value
₹2.59 L
Compounded yearly
Principal
₹1.00 L
Interest
₹1.59 L
Total
₹2.59 L
Year-wise Balance
Year-wise Breakdown
| Year | Interest (year) | Balance |
|---|---|---|
| Yr 1 | ₹10.00 K | ₹1.10 L |
| Yr 2 | ₹11.00 K | ₹1.21 L |
| Yr 3 | ₹12.10 K | ₹1.33 L |
| Yr 4 | ₹13.31 K | ₹1.46 L |
| Yr 5 | ₹14.64 K | ₹1.61 L |
| Yr 6 | ₹16.11 K | ₹1.77 L |
| Yr 7 | ₹17.72 K | ₹1.95 L |
| Yr 8 | ₹19.49 K | ₹2.14 L |
| Yr 9 | ₹21.44 K | ₹2.36 L |
| Yr 10 | ₹23.58 K | ₹2.59 L |
Compound Interest Calculator visual insights
Future value
₹50.46 L
Growth
₹32.46 L
How to Use This Calculator
Enter Amount
Set your loan amount or investment using the slider or input field.
Set Rate & Tenure
Adjust the interest rate and time period to match your scenario.
Get Results
See your EMI, total interest, and full payment breakdown instantly.
Share & Plan
Share the result link or download the amortization schedule as PDF.
About Compound Interest Calculator
Compound Interest Calculator helps you estimate investment growth, required contribution, annualised return, and future corpus using India-focused assumptions and INR formatting. Calculate compound interest with daily, monthly, quarterly, or yearly compounding.
This tool is useful for Indian investors planning SIPs, mutual funds, deposits, inflation-adjusted goals, and portfolio returns. It is designed for quick planning before comparing bank offers, investment options, tax choices, or scheme rules with a qualified professional.
The calculations are tailored for users in India and use Indian number formatting, rupee values, and locally relevant finance terms wherever applicable.
Results are estimates for education and planning. Final decisions should use official documents, lender statements, scheme rules, tax notices, or advice from a qualified professional.
Frequently Asked Questions
What is the compound interest formula?
A = P × (1 + r/n)^(n×t), where P is principal, r is the annual interest rate, n is the number of compounding periods per year, and t is time in years. This calculator supports yearly, half-yearly, quarterly, monthly, and daily compounding.
What is the difference between simple interest and compound interest?
Simple interest is earned only on the principal, giving linear growth. Compound interest is earned on principal plus accumulated interest — the "interest on interest" creates exponential growth, which makes a huge difference over long periods.
Does more frequent compounding give much higher returns?
Moving from yearly to quarterly compounding at 10% makes a noticeable difference, but going from daily to continuous adds almost nothing. The effective annual rate for 10% compounded daily is ~10.52%, vs 10.25% half-yearly.
How do I calculate the effective annual rate (EAR)?
EAR = (1 + r/n)^n − 1. For 12% p.a. compounded monthly, EAR = (1 + 0.12/12)^12 − 1 = 12.68%. Always compare EAR, not nominal rate, when evaluating fixed-income products.
Which Indian investments use compounding?
PPF (yearly), EPF (yearly), NSC (yearly), FD (typically quarterly), Kisan Vikas Patra (yearly), and most savings-style products compound interest. Equity mutual funds do not explicitly compound but returns compound naturally through reinvestment.
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Methodology & Formulas
All formulas used here comply with RBI guidelines and standard Indian financial conventions. Calculators are updated for FY 2026–27.
Last updated: April 2026