Compound Interest Calculator
See how compounding frequency changes your final balance.
Projected growth
Hover, tap, or use the arrow keys on the chart to inspect values for each period.
Final amount
₹2,00,966
Interest earned
₹1,00,966
Year-by-year compound growth
| Period | Principal | Value |
|---|---|---|
| Yr 1 | ₹1,00,000 | ₹1,07,229 |
| Yr 2 | ₹1,00,000 | ₹1,14,981 |
| Yr 3 | ₹1,00,000 | ₹1,23,293 |
| Yr 4 | ₹1,00,000 | ₹1,32,205 |
| Yr 5 | ₹1,00,000 | ₹1,41,763 |
| Yr 6 | ₹1,00,000 | ₹1,52,011 |
| Yr 7 | ₹1,00,000 | ₹1,62,999 |
| Yr 8 | ₹1,00,000 | ₹1,74,783 |
| Yr 9 | ₹1,00,000 | ₹1,87,418 |
| Yr 10 | ₹1,00,000 | ₹2,00,966 |
How this is calculated
A = P × (1 + r/n)ⁿᵗ, where P is the principal, r is the annual rate, n is the number of compounding periods per year, and t is time in years. More frequent compounding grows the balance faster at the same stated rate.
How to use this calculator
- Enter your starting principal.
- Enter the annual interest rate.
- Choose the time period and compounding frequency.
- Compare the principal with the growing balance in the chart and table.
What your result means
The final amount is the principal plus estimated compound interest. More frequent compounding can produce a slightly higher balance at the same stated annual rate.
How it is calculated
The calculator uses A = P × (1 + r/n)^(nt), where P is principal, r is annual rate, n is compounding frequency, and t is time in years.
Example
Compare ₹1 lakh invested for 10 years at 7% with annual, quarterly, monthly, and daily compounding to see the effect of frequency.
Assumptions and limitations
- The stated rate remains constant.
- Interest is reinvested at each compounding interval.
- Inflation, taxes, fees, and withdrawals are not included.
Frequently asked questions
Why does compounding frequency matter?
Interest begins earning interest sooner when it compounds more frequently, although the difference may be small at ordinary rates.
Does this show real investment returns?
It shows a fixed-rate mathematical estimate, not a guaranteed market return.