Finance · Investment
Compound Interest Calculator
See how principal grows with yearly, half-yearly, quarterly, or monthly compounding.
Your compound plan
1,000 – 5 Crore
1 – 30 years
Maturity amount
—
Growth over time
Principal vs interest by year
How this calculator works
Compound interest is the engine behind FDs, debt funds, and long-term investing. This calculator shows how principal grows when interest is added on interest at a chosen frequency.
- Enter principal.
- Enter annual rate.
- Enter years (1–30).
- Choose compounding frequency.
- Results and chart update live.
Formula
A = P × (1 + r/(100×n))^(n×t)
Where n is compounds per year (1 yearly, 2 half-yearly, 4 quarterly, 12 monthly).
Examples
More about this calculator
Practical use cases
Students learning compounding, and savers comparing annual vs monthly compounding.
Common mistakes
Mixing nominal APR with effective annual rate without converting.
Tips
More frequent compounding helps a little; rate and time matter more.
Important notes
Educational estimate only. Product fine print may use day-count conventions that differ slightly.
FAQs
Simple interest does not earn interest on prior interest. Compounding does — which is why long tenures grow faster.
Yearly = 1, Half-Yearly = 2, Quarterly = 4, Monthly = 12 compounds per year. Banks and products specify this in fine print.
It helps a little at the same nominal rate. Rate and time usually matter more than going from quarterly to monthly.