RupeePlan

Investing calculator

Compound Interest Calculator

Explore how principal, rate, time and compounding frequency work together to grow money.

Your inputs

Adjust any value. Results update instantly.

₹
%
years

Estimated results

Principal

₹1,00,000

Interest earned

₹1,20,804

Final amount

₹2,20,804

Your inputs stay on this device. Nothing is saved or sent.

Preparing chart…

Year-wise compounding

Values are estimates rounded to the nearest rupee for display.

YearPrincipalInterest earnedTotal value
1₹1,00,000₹8,243₹1,08,243
2₹1,00,000₹17,166₹1,17,166
3₹1,00,000₹26,824₹1,26,824
4₹1,00,000₹37,279₹1,37,279
5₹1,00,000₹48,595₹1,48,595
6₹1,00,000₹60,844₹1,60,844
7₹1,00,000₹74,102₹1,74,102
8₹1,00,000₹88,454₹1,88,454
9₹1,00,000₹1,03,989₹2,03,989
10₹1,00,000₹1,20,804₹2,20,804

Methodology

How this calculator works

P is principal, r is the annual decimal rate, m is the number of compounding periods per year, and t is time in years. Interest earned in one period becomes part of the balance that can earn interest in later periods.

A = P × (1 + r ÷ m)ᵐᵗ

Assumptions

  • The annual rate and compounding frequency remain constant.
  • No deposits or withdrawals occur after the initial principal.
  • Interest is reinvested at each compounding date.
  • Taxes, charges and inflation are excluded.

Questions, answered

Frequently asked questions

What is compound interest?

Compound interest is interest earned on both the original principal and previously accumulated interest.

Does more frequent compounding increase the result?

For the same nominal annual rate, more frequent compounding normally produces a slightly higher effective return.

How is compound interest different from simple interest?

Simple interest is calculated only on principal. Compound interest also earns returns on earlier interest.

Does this calculator include tax?

No. Tax treatment depends on the product and your circumstances, so the displayed amount is before tax and fees.