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Compound interest calculator

The eighth wonder of the world, with a slider. See interest earn interest.

Quick answer

A compound interest calculator shows how principal grows when interest earns interest over time. Enter amount, annual rate, years, and compounding frequency to see maturity value — the same math that powers SIPs and FDs.

₹1L
10%
10 yrs

Maturity value

₹2,59,374

₹1L at 10% for 10 years.

Interest earned
₹1,59,374
Simple interest would give
₹1,00,000

The gap between compound and simple interest is compounding doing its quiet, powerful work.

Rates & rules checked on 15 June 2026 · based on FY 2025-26 (AY 2026-27).

What this tells you

Compound interest is interest earning interest. Given enough time it's the most powerful force in personal finance — and it works against you just as hard on credit-card debt.

How it's calculated

Maturity = principal × (1 + r/f)^(f×years), where f is how many times a year it compounds. More frequent compounding earns slightly more.

Common questions

Why does compounding frequency matter?
Monthly compounding credits interest sooner, so that interest starts earning too. The effect is small at low rates but adds up over long horizons.

Jargon, explained

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