About the Compound Interest Calculator
Calculate how a principal amount grows under compound interest across annual, semi-annual, quarterly, monthly, or daily compounding, with a year-by-year growth chart.
₹
Compound Interest Calculator
Compare compounding frequency, principal, rate, and time.
Principal
₹1,00,000
Total interest
₹1,68,506
Maturity value
₹2,68,506
Projected growth
AI insight
Get a brief, general explanation of what these results mean. This is educational information, not personalized financial advice.
How the result is produced
The calculator applies `A = P × (1 + r/m)^(m×t)` for principal `P`, annual rate `r`, compounding periods `m`, and time `t`, then charts the balance and interest over time.
Example: Compare annual and monthly compounding on the same principal and rate to see how the compounding frequency changes the estimate.
Limitations and review notes
The model assumes a fixed rate and regular compounding. It does not include taxes, fees, deposits, withdrawals, changing rates, or the purchasing-power effect of inflation.
How to use it
- 1. Enter the principal, annual interest rate, and duration.
- 2. Choose a compounding frequency.
- 3. Review the maturity value and total interest.
- 4. Check the year-by-year growth chart.
FAQ
Which compounding frequencies are supported?
Annually, semi-annually, quarterly, monthly, and daily compounding.
How does frequency affect the result?
More frequent compounding produces a slightly higher maturity value for the same nominal annual rate.
Does this run on a server?
No. The calculation runs entirely in your browser after the page loads.
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