Compound Interest Calculator

Estimate the future value of your investments with compound interest, including optional recurring contributions.

Initial Principal

Annual Interest Rate (%)

Duration (Years)

Compounding Frequency

Recurring Contributions (Optional)

Contribution Amount

Contribution Frequency

Timing of Contribution

End of periodBeginning of period

Enter your investment details
to see the projected growth.

Key Takeaways & Quick Facts

Primary Purpose

Calculate compound interest growth over time.

Execution Environment

100% Client-Side In-Browser (Zero Cloud Uploads)

Standard Verification

Calculations tested against standard benchmarks

How to Use Compound Interest Calculator

Enter your initial principal (starting amount).
Enter the annual interest rate (%).
Specify the duration of the investment in years.
Select how often the interest is compounded (Annually, Monthly, Daily, etc.).
Optionally add a recurring contribution and specify its frequency and timing.
Click Calculate to see the estimated future value, total invested, and a year-by-year schedule.

How it Works

The Compound Interest Calculator computes the exponential growth of an investment. Compound interest means you earn interest on both your original principal and on the interest accumulated in previous periods. When recurring contributions are added, it calculates the future value of those contributions using standard annuity mathematics, taking into account whether contributions are made at the beginning or end of each period.

A = P(1 + r/n)^(nt) Where: A = Future Value P = Principal r = Annual interest rate (decimal) n = Compounding periods per year t = Years

Examples

Input: Principal: ₹10,000, Rate: 5%, Time: 10 years, Compounded: Annually

Result: Future Value: ₹16,288.95

Frequently Asked Questions

What is the difference between simple and compound interest?

Simple interest is calculated only on the principal amount. Compound interest is calculated on the principal amount AND the accumulated interest from previous periods, leading to faster exponential growth.

How does compounding frequency affect my returns?

The more frequently interest is compounded (e.g., daily vs annually), the faster your money grows because you start earning interest on your interest sooner.

How does this differ from a SIP Calculator?

A SIP Calculator is specifically designed for regular, equal monthly investments starting from zero (or a small amount). The Compound Interest Calculator is broader—it handles large lump-sum starting amounts, mixed compounding frequencies, and optional contributions.

Note: Results are estimates based on user inputs and do not constitute financial advice or guaranteed returns.

Formula Audited & Client-Side Private

Calculations are verified against standard mathematical and banking benchmarks. Data stays on your device in local memory.

Our Verification Standards →