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Estimate how your money grows with compounding, recurring contributions, and time.
Change any field and the result updates instantly.
₹1,00,000
10% per year
5 years / 60 months
How often interest is added back.
Leave at ₹0 for principal-only
Contribution frequency
Contribution timing
Every chart is built from the same simulation, so totals always match the cards and table.
Of the future value
Invested vs future value by year
Where compounding pulls ahead
How the gap widens with compounding
Balance growth as interest compound. Duration: 5 years / 60 months.
| Year | Opening | Contributions | Interest | Closing | Cum. invested | Cum. interest |
|---|---|---|---|---|---|---|
| Year 1 | ₹1,00,000 | ₹0 | ₹10,471 | ₹1,10,471 | ₹1,00,000 | ₹10,471 |
| Year 2 | ₹1,10,471 | ₹0 | ₹11,568 | ₹1,22,039 | ₹1,00,000 | ₹22,039 |
| Year 3 | ₹1,22,039 | ₹0 | ₹12,779 | ₹1,34,818 | ₹1,00,000 | ₹34,818 |
| Year 4 | ₹1,34,818 | ₹0 | ₹14,117 | ₹1,48,935 | ₹1,00,000 | ₹48,935 |
| Year 5 | ₹1,48,935 | ₹0 | ₹15,595 | ₹1,64,531 | ₹1,00,000 | ₹64,531 |
Interest calculated on your original amount plus all the interest it has already earned. Because earlier interest also earns interest, the balance grows faster over time.
With A = P × (1 + r/n)^(n×t): your principal grows by the periodic rate at each compounding event. This tool simulates it month by month to handle contributions accurately.
Simple interest is earned only on the original principal. Compound interest is earned on principal plus accumulated interest, so it pulls ahead more and more as time passes.
Compounding more often (daily/monthly vs yearly) reinvests interest sooner, so it earns a little extra — reflected in a higher effective annual rate.
Each contribution starts compounding from the day it is added, so regular investing increases both your total invested and the interest it can earn.
The longer money stays invested, the more compounding cycles it goes through. Most of the growth often happens in the final years.
The real yearly rate after compounding is included: ((1 + r/n)^n − 1) × 100. It is slightly higher than the stated rate when compounding is more frequent than yearly.
Set the rate, compounding and any recurring contribution to mirror your FD, RD, SIP or savings, and compare how duration and frequency change the outcome.
Real products have changing rates, taxes, fees and different compounding rules, so the actual figure can vary from this estimate.
It is a tool that estimates how an amount grows over time when interest is added back to the balance and starts earning its own interest, optionally including regular contributions.
Using A = P × (1 + r/n)^(n×t), where P is the principal, r the annual rate, n the number of times interest compounds per year, and t the time in years. This tool also simulates month by month so contributions are handled accurately.
A = P × (1 + r/n)^(n×t). The interest earned is the final amount A minus the total you invested.
Simple interest is calculated only on the original principal (P × r × t). Compound interest is calculated on the principal plus all previously earned interest, so it grows faster over time.
More frequent compounding (daily or monthly vs yearly) adds interest back sooner, so it earns a little extra interest, slightly raising the final amount.
For the same rate and duration, monthly compounding produces a marginally higher final value than yearly compounding because interest is reinvested more often.
Yes. Add a recurring contribution and choose its frequency (monthly, quarterly or yearly) and timing (start or end of period). The calculator simulates each contribution compounding from when it is added.
It is the actual yearly rate after compounding is taken into account: ((1 + r/n)^n − 1) × 100. For example, 10% compounded monthly has an effective annual rate of about 10.47%.
Because of compounding — interest earns its own interest. The longer the money stays invested, the larger the snowball effect, especially in the final years.
No. It is an estimate at a fixed assumed rate. Real returns depend on the product, rate changes, taxes, fees and market performance.
Yes, as a general estimate. Set the rate, compounding and contributions to mirror your product, but always confirm exact figures with the bank or fund.
Actual returns can vary due to product type, changing interest rates, taxes, fees, the exact compounding method, market performance, withdrawal timing and institution rules.
Disclaimer: This compound interest calculator provides estimates only. Actual returns may vary based on interest rate changes, taxes, fees, compounding method, investment product, market performance, withdrawal timing, and institution rules. This tool is for educational planning only and should not be treated as financial advice.