Compound Interest Calculator
See how your principal grows with compound interest.
Inputs
Principal
₹1,00,000
Interest Earned
₹1,20,804
Maturity Value
₹2,20,804
Growth Timeline
Year-wise Breakdown
| Year | Principal | Amount |
|---|---|---|
| 1 | ₹1,00,000 | ₹1,08,243 |
| 2 | ₹1,00,000 | ₹1,17,166 |
| 3 | ₹1,00,000 | ₹1,26,824 |
| 4 | ₹1,00,000 | ₹1,37,279 |
| 5 | ₹1,00,000 | ₹1,48,595 |
| 6 | ₹1,00,000 | ₹1,60,844 |
| 7 | ₹1,00,000 | ₹1,74,102 |
| 8 | ₹1,00,000 | ₹1,88,454 |
| 9 | ₹1,00,000 | ₹2,03,989 |
| 10 | ₹1,00,000 | ₹2,20,804 |
How this is calculated
A = P × (1 + r/n)^(n×t)- 1Principal: ₹1,00,000
- 2Rate: 8% per annum, compounded 4× per year
- 3Term: 10 years (40 compounding periods)
- 4Maturity value: ₹2,20,804
- 5Interest earned: ₹1,20,804
Results are estimates for educational purposes only and are not financial, investment, tax, accounting, or legal advice. Always consult a qualified professional before making financial decisions.
By Vizo ToolLast updated August 20265 min read
Compound Interest Calculator — Watch Your Money Multiply
The Compound Interest Calculator shows exactly how your principal grows when interest earns interest. Enter your principal, annual rate, time period, and compounding frequency — yearly, half-yearly, quarterly, or monthly — and instantly see the maturity value, total interest earned, and a year-by-year growth table.
Compound interest is one of the most powerful forces in personal finance. This tool makes it visible, so you can compare frequencies and tenures and see why starting early matters so much. Everything runs privately in your browser.
- Any compounding frequency
- Interest earned
- Growth graph
- Year-wise table
- Free & private
Why Use Compound Interest?
Compare Frequencies
See how quarterly vs monthly compounding changes your final amount — the difference adds up.
Interest Earned at a Glance
Separate the interest from the principal so you know exactly what your money earned.
Year-wise Growth
Watch the snowball effect with a table of balance and interest for every year.
Zero Cost, Zero Uploads
Free to use, no sign-up, and every calculation happens locally on your device.
Features
Flexible Compounding
Choose yearly, half-yearly, quarterly, monthly, or any frequency from 1 to 12 times per year.
Growth Graph
A clean line chart plots your principal and maturity value over time.
Year-wise Table
A detailed table shows opening balance, interest, and closing balance each year.
Instant Updates
Drag any slider and the results, chart, and table update in real time.
Export & Share
Copy the result summary, share it, or print a report of your calculation.
How to Use the Compound Interest Calculator
See the power of compounding in three steps.
Enter your principal
Type or slide the amount you're investing or depositing (e.g. ₹1,00,000).
Set rate, tenure and frequency
Choose the annual interest rate, number of years, and how often interest compounds.
Read the results
Review the maturity value, interest earned, growth chart, and year-wise table.
Frequently Asked Questions
Got questions? We've got answers.
How is compound interest calculated?▼
A = P × (1 + r/n)^(n×t), where P is principal, r is the annual rate, n is compounding periods per year, and t is years.
What does compounding frequency mean?▼
It's how often interest is added to your balance — yearly, half-yearly, quarterly, monthly. More frequent compounding earns slightly more interest.
Is monthly or quarterly compounding better?▼
Monthly compounding earns marginally more than quarterly because interest is added to the balance 12 times a year instead of 4.
What is the rule of 72?▼
Divide 72 by your annual rate to estimate how many years it takes to double your money — e.g. 72 ÷ 8% ≈ 9 years.
Does the calculator show the interest earned separately?▼
Yes — the Interest Earned card shows your total return, separate from the principal, and the maturity card shows the final amount.
What is the formula for compound interest?▼
A = P(1 + r/n)^(nt) is the standard formula; the calculator also shows it in the 'How this is calculated' panel.
Can I use it for FD, savings, or loans?▼
Yes — the same formula powers fixed deposits and investments. For loans, use the dedicated EMI calculator instead.
How much will ₹1 lakh grow in 10 years at 8%?▼
At 8% compounded annually, ₹1,00,000 grows to about ₹2,15,892 in 10 years — nearly ₹1.16 lakh of pure interest.
Is compound interest better than simple interest?▼
Yes — compounding earns interest on interest, producing a higher return over time. The growth chart makes the difference visible.
Does this calculator support long tenures?▼
Yes, the time slider goes up to 40 years with a complete year-wise breakdown.
Are results guaranteed returns?▼
No — the tool projects mathematical growth at the rate you enter. Actual investment returns vary with markets and products.
Can I copy or share my calculation?▼
Yes — copy a summary, share it, or print a report directly from the results toolbar.
Is my data private?▼
Completely. All math runs in your browser and nothing is uploaded or stored.
Why does more frequent compounding earn more?▼
Interest starts earning its own interest sooner, so the balance grows slightly faster the more often it's compounded.
Does it work on mobile?▼
Yes — the calculator is fully responsive with sliders designed for touch screens.
Can I compare different rates side by side?▼
Use the sliders to check different scenarios quickly — the results update instantly each time you change a value.
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