🔁 Compound Interest Calculator
The compounding workhorse: computes maturity value at any rate with your choice of compounding frequency, and shows the simple-interest comparison so the power of compounding is explicit.
Rules & rates verified 8 July 2026
Inputs
Results
⚠️ Educational use only. Results are close estimates based on the latest published rules and standard conventions — actual figures can differ with rounding, fees, exact dates and future rate/rule changes. This is not investment, tax or legal advice; consult a SEBI-registered adviser or CA.
How it's calculated
Compound: A = P × (1 + r/m)^(m×t), m = compounding periods per year. Simple: A = P × (1 + r×t).
Frequently asked questions
How much difference does frequency make?
Modest but real: ₹1 lakh at 8% for 10 years grows to ₹2.159L compounded yearly vs ₹2.22L monthly. Frequency matters less than rate and time.
What is the rule of 72?
Money roughly doubles in 72 ÷ rate years: at 8%, ~9 years; at 12%, ~6 years.
