Compound Interest Calculator
🔒 Runs in your browser — 100% private
Calculate the maturity value and interest earned on a deposit at any compounding frequency — daily, monthly, quarterly or annually — not just one fixed assumption.
How to use compound interest calculator
- Enter principal, rate and years
Your starting deposit, the annual interest rate and how long it's invested.
- Choose a compounding frequency
Daily, monthly, quarterly or annually — more frequent compounding gives a (slightly) higher return at the same nominal rate.
- Calculate
See the future value, interest earned and a visual principal-vs-interest split.
Formula & methodology
Future Value = Principal × (1 + r/n)^(n × t) — where r is the annual rate, n is the number of compounding periods per year, and t is years.
Example: ₹1,00,000 at 8% for 10 years — annual compounding gives ₹2,15,892; monthly compounding gives ₹2,21,964. The higher the compounding frequency, the more often interest itself starts earning interest.
Quick reference
| Years | Annual compounding | Monthly compounding |
|---|---|---|
| 5 | ₹1,46,933 | ₹1,48,985 |
| 10 | ₹2,15,892 | ₹2,21,964 |
| 15 | ₹3,17,217 | ₹3,30,692 |
| 20 | ₹4,66,096 | ₹4,92,680 |
Features
Daily, monthly, quarterly or annually — not a single fixed assumption.
A donut chart shows how much of the final value is your original principal versus interest earned.
Calculates locally with no sign-up or server request.
Your financial details are never uploaded.
Supported formats and limitations
Text and structured input supported by this tool.
Use cases include personal workflows, content preparation, and quick checks. Review output before relying on it for legal, financial, accessibility, or production decisions.
Frequently asked questions
Does compounding frequency really make a big difference?
At everyday rates, the difference between annual and daily compounding is usually modest (a few percent over long periods) — real-world impact is smaller than many assume, since it's compounding on the interest itself, which starts small.
Is this the same as an FD or RD calculation?
It's the general formula those specific products build on — this site's FD and RD calculators apply the same idea with the compounding convention (usually quarterly) each product actually uses.
Are these official bank returns?
No — this is a planning estimate. Confirm your actual product's exact compounding convention and rate with your bank or financial institution.