Compound calculator
Make compounding visible before it becomes history.
Estimate how principal, time, rate, and frequency can shape long-term family wealth.
INR native
TrackMyNetWorth
Scenario planning
TrackMyNetWorth
Family decisions
TrackMyNetWorth
Compound Interest Calculator
Results
Principal Amount:
₹1,00,000
Interest Earned:
₹0
Maturity Amount:
₹0
How the compound interest calculation works
A = P × (1 + r/n)^(n×t), where P is principal, r the annual rate, n the compounding frequency per year, and t the years. More frequent compounding means interest starts earning interest sooner.
Worked example
₹2,00,000 left untouched at 7% for 5 years, compounded annually versus simple interest:
| Principal | ₹2,00,000 |
| Rate and tenure | 7% · 5 years |
| Simple interest payout | ₹70,000 |
| Compound interest (annual) | ₹80,510 |
| Advantage of compounding | +₹10,510 |
Frequently asked questions
Which compounding frequency matters most?
At the same nominal rate, monthly beats quarterly beats annually — but the gaps are modest below 10 years. Frequency matters less than rate and time; a 0.5% higher rate outweighs almost any frequency difference.
What is the Rule of 72?
Divide 72 by the annual return to estimate doubling time. At 9%, money doubles in roughly 8 years. It is a quick mental check on any rate this calculator shows.
Do Indian bank FDs compound interest?
Yes — most compound quarterly, which is why effective yields slightly exceed the quoted coupon. Cumulative FDs reinvest the compounding inside the deposit; payouts break the chain.
How does compounding apply to mutual funds?
Funds do not pay compound interest; NAV growth compounds because gains stay invested. Growth-option units accumulate gains automatically, while IDCW payouts interrupt the effect — one reason growth options usually win for long horizons.
Calculators answer questions. Your dashboard answers all of them.
TrackMyNetWorth turns these one-off calculations into a living net worth picture — every account, loan and family member in one private dashboard with daily snapshots.
Related tools and pages
- Free forever
- No sign-up needed
- INR native