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Long-term planning · India

Compound Interest Calculator

Explore how an initial amount and regular additions could grow over time. Adjust the rate, compounding frequency and duration to understand the difference between contributions and estimated interest.

Interest rates are assumptions, not live product rates. The result is a projection and does not account for tax, fees, inflation or investment risk.

Set your savings assumptions

Use the initial amount alone or pair it with a monthly contribution.

₹
One-time amount at the start of the projection.
₹
Set to ₹0 for no recurring deposits.
% p.a.
Assumed annual nominal rate.
yr
Choose 1 to 60 years.
For recurring monthly contributions, the selected nominal rate is converted to its equivalent effective monthly rate.

Estimated future value—

Estimated result based on your selected assumptions.

Estimated growth
Total contributions—
Interest earned—

Growth over time

Compare projected balance with the money contributed.

Projected balanceContributions

Year-by-year growth

Cumulative contributions, interest earned and projected balance.

YearTotal contributionsInterest earnedProjected balance
Calculating…
Total———

Display values are rounded to whole rupees; internal calculations keep decimal precision.

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Understand compound interest

What is compound interest?

Interest is added to the balance, and later interest can be earned on both the original principal and previously credited interest.

How do monthly contributions work?

This calculator adds each recurring contribution at month-end, after that month's equivalent growth is applied. The recurring deposits themselves are not backdated.

Does compounding frequency matter?

For the same nominal annual rate, more frequent compounding can produce a higher effective annual rate. Actual accounts may use different day-count and crediting rules.

Are the projections guaranteed?

No. This is an illustration under a fixed assumed rate. Real savings products and investments can have variable rates, tax, charges and risk.

Educational estimate only. Check a product's actual terms before using the result for a financial decision.