Compound Interest Calculator

A = P(1 + r/n)^(nt) · All values in ₹ · Ctrl+R to reset

FORMULA

A = P(1 + r/n)^(nt)

Calculator Inputs

Initial Investment

Rate of Interest (P.A.)

Time Period

Years

Months

Regular Contributions

Maturity Value

₹7,44,923

Total Investment

₹5,00,000

Est. Returns

₹2,44,923

Future value

₹7,44,923

Total interest

₹2,44,923

Initial balance

₹5,00,000

Effective rate (APY)

8.30%

Nominal: 8%

Rate of Return

+48.98%

Time to double

8y 9m

Rule of 72

Principal 67.1%

Interest 32.9%

5y · monthly compounding

BREAKDOWN

VIEW

Year	Interest	Accrued	Balance
0	—	—	₹5,00,000
1	₹41,500	₹41,500	₹5,41,500
2	₹44,944	₹86,444	₹5,86,444
3	₹48,675	₹1,35,119	₹6,35,119
4	₹52,715	₹1,87,833	₹6,87,833
5	₹57,090	₹2,44,923	₹7,44,923

📐

A = P(1 + r/n)^(nt). P is principal, r is annual rate, n is compounding frequency per year, t is time in years. Interest earns interest on itself.

📈

Unlike simple interest, compound interest grows exponentially. Monthly compounding beats annual compounding at the same rate.

⚡

APY is the effective annual rate after compounding. 8% nominal compounded monthly = 8.30% APY. Always compare APY.

🇮🇳

Most Indian FDs compound quarterly. Equity mutual funds compound on a daily NAV basis. Use lakh-crore formatting.