Compound Interest Calculator
Find maturity amount & interest earned with yearly, half-yearly, quarterly or monthly compounding — instant compound interest results.
Maturity amount
Invested · Interest earned
Why you’ll love Compound Interest Calculator
Instant & free
No signup, no paywall, no limits — Compound Interest Calculator works the moment the page loads.
Completely private
Everything runs in your browser. Nothing you enter is ever uploaded or stored on a server.
Works on any device
Fully responsive and touch-friendly — use it on your phone, tablet or desktop.
Accurate & clear
Built on the real formulas, with a breakdown you can actually trust.
How to use it
Open it
No download and no login — the tool is ready right at the top of this page.
Use it
Enter your details or start interacting. Everything updates live as you go.
Get your result
Copy, download or share your result in a single tap. That’s it.
About Compound Interest Calculator
This compound interest calculator uses the standard formula A = P(1 + r/n)^(nt): enter a principal amount, an annual interest rate and a number of years, pick how often interest compounds — yearly, half-yearly, quarterly or monthly — and it instantly shows the maturity amount and the total interest earned. Everything recalculates live as you type, with no submit button and no sign-up.
Compounding frequency matters more than most people expect, because each compounding period adds interest on top of previously earned interest. Take ₹1,00,000 at 8% per annum for 10 years: compounded yearly it grows to about ₹2,15,892, compounded quarterly to about ₹2,20,804, and compounded monthly to about ₹2,21,964. Same rate, same time — the only difference is how often the interest is credited. Switching the compounding option in the dropdown lets you see that gap for your own numbers in one click.
The calculation runs entirely in your browser, so the amounts you type are never uploaded or stored on a server, and the page keeps working offline once loaded. It models a one-time lump sum — the way bank fixed deposits, bonds and single investments actually behave — which makes it a quick, private way to sanity-check the maturity value a bank or advisor has quoted you before you commit.
Popular uses
Frequently asked questions
It uses A = P(1 + r/n)^(nt), where P is the principal, r is the annual rate as a decimal, n is the number of compounding periods per year (1 for yearly, 2 for half-yearly, 4 for quarterly, 12 for monthly) and t is the time in years. The interest earned is simply A minus P. This is the same formula banks use for fixed deposits and cumulative interest products.
Simple interest is paid only on the original principal: ₹1,00,000 at 8% for 10 years earns a flat ₹80,000. Compound interest is also paid on the interest already earned, so the same deposit compounded yearly earns about ₹1,15,892 — roughly 45% more. The gap widens dramatically with longer time periods, which is why starting early matters so much for long-term investing.
Most Indian banks compound FD interest quarterly, so pick "Quarterly" to match a typical FD quote. Some deposits and bonds compound half-yearly or annually — check the product terms. Note that the calculator shows gross maturity value; TDS or income tax on the interest is not deducted here.
No — this tool models a single lump-sum investment growing untouched, which is the classic compound interest scenario. Recurring monthly contributions (SIPs or recurring deposits) follow a different annuity formula, because each instalment compounds for a different length of time. For a lump sum plus growth toward a savings goal, our FIRE calculator also simulates yearly contributions.
With monthly compounding, interest is credited twelve times a year, and each credit immediately starts earning interest itself. At 8% p.a. the effective annual yield rises from exactly 8.00% (yearly) to about 8.30% (monthly). The difference per year is small, but over a decade or more it compounds into a noticeably larger maturity amount.
Compound Interest Calculator is 100% free — no signup, no watermarks and no usage limits. It’s one of 200+ free tools we build and give away.
It uses the standard formulas and shows its working, so you can verify every number. For big decisions, treat the result as a reliable estimate.
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