Loan & EMI Calculators

Compound Interest Calculator

Compound interest with monthly, quarterly, half-yearly or yearly compounding.

Enter your details

Estimate only. Results depend on the inputs and the rules and rates described below. Verify with the official source or a professional before filing or investing; this is not tax, legal or investment advice.

How it is calculated

A = P × (1 + r ÷ m)^{m × t}, where P = principal, r = annual rate as a decimal, m = compounding periods per year and t = years. Compound interest = A − P. Effective annual rate = (1 + r ÷ m)^m − 1.

Worked example

₹1,00,000 at 7.5% for 10 years compounded quarterly: A = 1,00,000 × (1.01875)<sup>40</sup> ≈ ₹2,10,000 (interest ≈ ₹1,10,000), against ₹75,000 at simple interest.

About the Compound Interest Calculator

Compound interest with monthly, quarterly, half-yearly or yearly compounding. This free loan & emi tool runs entirely in your browser: nothing you type is sent to a server, and you can save, print or download the result.

What you need to enter

You will be asked for principal amount, interest rate (% per year), time (years), compounding frequency. Fields marked * are required. Every field shows a hint and the allowed range.

How to use it

Fill in the inputs (sample values are pre-filled so you can see how it works).
Press Calculate to see the result, breakdown and chart.
Use Print, Download PDF or Share to keep the result, or come back to it from your saved history.

Who it helps

Salaried individuals, business owners, investors and professionals who want a quick, transparent estimate before they file, invest or plan. If your case has special facts, our team can review it - ask for a consultation.

Results are estimates based on the rules and rates described under "How it is calculated". Laws change and individual facts differ, so confirm with official sources or a qualified professional before acting. This is not tax, legal or investment advice.

Frequently asked questions

Does more frequent compounding make a big difference?

A small one. At the same rate, monthly compounding beats yearly, but the gain is modest compared with the effect of a higher rate or a longer time.

Which compounding do banks use for fixed deposits?

It varies by bank and product; quarterly is common for many term deposits. Check your deposit terms and use the matching frequency here.

Need help beyond the calculator?

Talk to our tax and compliance team for advice based on your documents.

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