Compound Interest Calculator
Project the maturity value of a lumpsum and (optionally) regular contributions under compound interest. Choose any compounding frequency, optionally add an inflation rate for the real value of the corpus, and view the year-wise growth schedule along with a comparison against simple interest.
Principal and Rate
Tenure
Regular Contributions (Optional)
Inflation Adjustment (Optional)
Corpus Composition
Year-wise Growth Schedule
Compound vs Simple Interest (Lumpsum portion)
Compound Interest — FAQs
What is the compound interest formula?
Amount = P x (1 + r/n)^(n x t), where P is the principal, r the annual rate, n the number of times interest is compounded per year, and t the number of years. Interest earns interest, so the corpus grows faster than simple interest.
What does compounding frequency mean?
It is how often interest is added to the balance – monthly, quarterly, half-yearly or annually. The more frequent the compounding, the slightly higher your maturity value for the same rate.
How is compound interest different from simple interest?
Simple interest is charged only on the original principal, while compound interest is charged on the principal plus all previously accumulated interest.
Can I add regular contributions?
Yes. Besides the one-time principal, you can add a recurring contribution (for example monthly) and the calculator compounds each contribution too – useful for modelling a SIP or recurring deposit.
What is the inflation-adjusted value?
It is the real purchasing power of your maturity amount in today money, found by discounting the future value by the inflation rate you enter.