Compound Interest Calculator

Calculate compound growth using configurable contribution, frequency, rate, and term.

Adjust your plan

Enter an exact value or use a slider. Your result updates instantly.

Formula, example and assumptions
Maturity value₹2,70,704.15
Indian rupees
%
Indian rupees

Your result

Local calculation
Maturity value₹2,70,704.15About ₹2.71 lakh

Maturity value includes your starting amount, any regular contributions and compound growth over the full term. Regular contributions are added once per selected compounding period.

Annual rate (%)
10 %
Term in years
10
Compounding frequency
Monthly
See how this is calculated

Investment split

Total invested37%
Compound growth63%

Result breakdown

Total invested
₹1,00,000.00 About ₹1 lakh
Compound growth
₹1,70,704.15 About ₹1.71 lakh
Check the inputs and method

These are your current inputs, not the worked example further down the page.

Starting principal
₹1,00,000
Annual rate (%)
10 %
Term in years
10
Compounding frequency
Monthly
Contribution each compounding period
₹0

Method

Let P be principal, C the contribution per period, r the annual percentage rate ÷ 100, n periods per year and N = n × years. With i = r/n, maturity = P(1+i)^N + C[(1+i)^N−1]/i; invested = P + CN; growth = maturity − invested. At i = 0, maturity = P + CN. Contributions arrive at period-end.

Read the worked example and assumptions

How this calculation works

Compare how often interest is credited on a starting balance, with an optional deposit at the end of each compounding period. The maturity figure includes your own deposits; compound growth is only the amount above those deposits. Keep the contribution frequency in view: choosing quarterly compounding also makes the regular contribution a quarterly payment, not a monthly one.

Let P be principal, C the contribution per period, r the annual percentage rate ÷ 100, n periods per year and N = n × years. With i = r/n, maturity = P(1+i)^N + C[(1+i)^N−1]/i; invested = P + CN; growth = maturity − invested. At i = 0, maturity = P + CN. Contributions arrive at period-end.

Worked example

This example uses illustrative inputs. Your current result is shown above.

Enter ₹1,00,000 principal, 10% annual interest, 2 years, annual compounding and ₹0 regular contribution. Maturity = ₹1,00,000 × 1.10² = ₹1,21,000; total invested is ₹1,00,000 and compound growth is ₹21,000.

Assumptions and limits

  • The annual rate is nominal: it is divided by the chosen compounding frequency.
  • The rate and contribution stay constant; regular contributions require a whole number of periods.
  • Tax, account fees and withdrawals are not deducted from the balance.

Questions people ask

Does a monthly frequency turn the rate into a monthly rate?

The entered rate remains annual. The model divides it by 12 and credits interest 12 times a year; enter a monthly contribution when that frequency is selected.

How is this different from the SIP calculator?

This tool uses a nominal annual rate and selectable crediting frequency. SIP uses an effective annual return, converts it to an equivalent monthly rate, and adds contributions at the beginning of each month.

Why is maturity much larger than interest?

Maturity includes the starting principal and every additional deposit. Subtract total invested to isolate the modelled growth.

Related calculators

Rent vs buyCompare renting with buying a home using equal cash budgets, invested savings, property costs and remaining loan debt.Cost of delaying SIPCompare starting a monthly SIP now with a delay, and find the higher contribution needed to reach the same target on the same date.Direct vs regularCompare direct and regular mutual fund expense ratios using the same contributions, gross return assumption and investment period.SIPCompare SIP and lump-sum growth with step-up, inflation-adjusted, and real-return views.