Compound Interest Calculator
Utilities
Compound interest calculator
Estimate growth with principal, yearly contributions, chosen rate, and compounding frequency. Includes a per-year breakdown table.
Enter your inputs
Future value
₹2,98,192
End balance after all periods
Total contributions
₹50,000
Sum of yearly contributions
Interest earned
₹1,48,192
Growth from compounding
Yearly breakdown
| Year | End balance | Interest earned | Contributions |
|---|---|---|---|
| 1 | ₹1,13,487 | ₹8,487 | ₹5,000 |
| 2 | ₹1,28,094 | ₹18,094 | ₹10,000 |
| 3 | ₹1,43,914 | ₹28,914 | ₹15,000 |
| 4 | ₹1,61,046 | ₹41,046 | ₹20,000 |
| 5 | ₹1,79,600 | ₹54,600 | ₹25,000 |
| 6 | ₹1,99,694 | ₹69,694 | ₹30,000 |
| 7 | ₹2,21,456 | ₹86,456 | ₹35,000 |
| 8 | ₹2,45,024 | ₹1,05,024 | ₹40,000 |
| 9 | ₹2,70,549 | ₹1,25,549 | ₹45,000 |
| 10 | ₹2,98,192 | ₹1,48,192 | ₹50,000 |
What this calculator does
This Compound Interest Calculator projects how savings or investments grow over time with optional recurring contributions and selectable compounding frequency. It produces a per-year breakdown so you can see how compounding accelerates growth across years.
Who should use this calculator
Individuals planning long-term savings, investors estimating future balances, and financial planners comparing contribution strategies should use this tool. It helps compare scenarios with different rates, contribution schedules, and compounding frequencies.
How this calculator works
The tool applies the compound interest formula with optional periodic contributions. For a given principal, rate, compounding periods per year, and years, it computes period-by-period growth and aggregates contributions to show year-end balances and total returns. All math runs client-side and supports multiple compounding frequencies.
How to interpret your result
Results include projected balances at each year end and a final maturity amount. Use the per-year table to observe the compounding effect and compare scenarios. These are gross projections and do not include taxes, fees, or inflation adjustments unless you model them separately.
Example
For example, ₹100,000 principal at 8% annual rate with monthly compounding and ₹5,000 yearly contribution will grow substantially over 10 years; the yearly table shows compounding acceleration so you can track how contributions and rate combine to increase final balance.
Limitations & disclaimer
This calculator provides projections only. It assumes fixed rates and contributions; real investments have variable returns, taxes, and fees that affect results. Consult a financial adviser for personalised planning and tax-aware projections.
FAQs
Does this include taxes?
No. It shows gross growth. Apply your own tax rate separately if needed.
Is compounding frequency supported?
Yes. Choose annual, quarterly, or monthly compounding in the calculator.
Why a yearly table?
It helps you see the compounding effect per year, not just the final maturity.
Any live rates?
No external calls. Rates are whatever you enter.