Compound interest earns interest on both your original principal and on previously earned interest — growth on growth. It's the engine behind long-term investing, and also why long loans cost so much. Enter the principal, annual rate, tenure and compounding frequency to see the maturity amount and the interest earned.
How often interest is added to the principal. More frequent compounding means slightly higher returns.
Maturity amount
₹1,46,933
Estimates only. Assumes a constant interest rate for the full tenure. Not financial advice.
Compound interest adds each period's interest back to the principal before the next period:
A = P × (1 + r ÷ n)n×t
Interest earned = A − P. Notice the exponent: time does the heavy lifting. Doubling the tenure grows the amount far more than doubling the rate.
Invest ₹1,00,000 at 8% per annum, compounded quarterly, for 5 years:
The same deposit at simple interest would earn only ₹40,000 — compounding added ₹8,595.
Maturity amount is what you end up with: principal plus all compounded interest. Interest earned isolates the growth so you can compare it against alternatives.
Use the frequency selector to see how much compounding frequency matters — the gap between yearly and monthly compounding is real but small compared with the gap that an extra few years makes. When comparing products, always compare at the same frequency.
Finance Calculators
Calculate simple interest in seconds. Enter the principal amount, annual interest rate and time period to find the interest payable and the total amount due.
Finance Calculators
Estimate your monthly SIP's future value. Enter the monthly investment, expected annual return and tenure to see invested amount, gains and maturity value.
Finance Calculators
Calculate your fixed deposit maturity amount. Enter the deposit, interest rate and tenure to see maturity value and interest earned with quarterly compounding.
Finance Calculators
Calculate CAGR, the compound annual growth rate of an investment. Enter start value, end value and years to see the true annualised return percentage.
Math Calculators
Free percentage calculator: find what percent one number is of another, calculate X% of Y, or reverse a percentage. Instant answers with the formula shown.
Finance Calculators
Calculate your monthly loan EMI instantly. Enter loan amount, interest rate and tenure to see EMI, total interest and total payment with the exact formula.
Content last reviewed on 2026-10-06.