CalculatorX

Finance

Compound Interest Calculator

Estimate growth from an initial principal over time with compounding.

Compound interest grows a starting principal by applying the rate to the growing balance. CalculatorX uses A = P × (1 + r/n)^(n×t), where r is the annual rate as a decimal, n is the number of compounds per year, and t is years. ₹10,000 at 7% compounded once a year for 5 years becomes about ₹14,025.52.

Reviewed 2026-11-08. The result is an educational estimate, not professional advice.

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Result

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Formula

A = P × (1 + r/n)^(nt)

Example

₹10,000 at 7% compounded annually for 5 years grows to around ₹14,025.52.

A spiral of glass spheres that grow larger along the curve.
Illustration only. Use the formula and the result box for the number.

How does compound interest grow a lump sum?

Each compounding step multiplies the balance by (1 + r/n). After n times t steps, the balance is P × (1 + r/n)^(n×t). More compounds per year at the same annual rate produce a slightly higher result.

The page returns the final value, not the interest alone. Interest is final value minus principal.

A rate of zero or a missing principal is rejected. The formula needs a positive rate and a time period.

Why is this different from simple interest and from a SIP?

Simple interest on this site is P × R × T ÷ 100, so the interest does not join the principal. A SIP adds a new instalment every month. Compound interest here grows one amount that is already in hand.

Do not compare the three results as if they were the same product. Match the calculator to the cash flow.

How to use this calculator

  1. Enter the principal. This is the starting amount, P. The page does not add monthly deposits.
  2. Enter the annual rate and the years. The rate is a percent. The page divides it by 100 before compounding.
  3. Enter compounds per year. Use 1 for annual, 4 for quarterly, or 12 for monthly. The formula divides the rate by this number.

Questions about Compound Interest Calculator

What should I enter for compounds per year?

Enter 1 if the rate compounds yearly, 2 if half-yearly, 4 if quarterly, or 12 if monthly. The annual rate is split by that number.

Does the result include the original principal?

Yes. The line “Final value” is principal plus compounded growth, not the interest by itself.

Is the rate a percent or a decimal?

Type a percent, such as 7 for 7%. The page converts it.

Can I add a monthly contribution?

Not here. Use the SIP calculator for a fixed monthly investment.

Read the guide

A SIP adds money every month. Compound interest grows one lump sum. Simple interest pays P × R × T ÷ 100 and does not add interest back onto the principal. A ₹5,000 monthly SIP at 12% for 10 years becomes ₹11,61,695.38 on the SIP page. ₹10,000 at 7% compounded yearly for 5 years becomes ₹14,025.52. ₹50,000 at 8% simple interest for 3 years earns ₹12,000.

Open “SIP, compound interest, and simple interest”

What this helps you do

  • Estimate Compound Interest from the inputs you already have.
  • Check the result against the formula and the worked example.
  • Change one value at a time and compare the new estimate.

Limits to keep in mind

  • The figure is only as complete as the inputs on this form.
  • Rounding, fees, and local rules can change the real-world number.
  • Use it to learn and compare. Confirm important finance or health decisions with a qualified professional.