Compound Interest Calculator
See how an initial amount plus regular contributions can grow with compound interest — across any rate, duration, and compounding frequency.
Final Estimated Value
₹12,94,929
Monthly compounding at 10% p.a.
Total contributions
₹7,00,000
Estimated interest
₹5,94,929
- Total Contributions
- Est. Interest
Pin this scenario, change the inputs, and compare side by side.
Keep this plan — saved in your browser only, nothing is uploaded.
Growth over time
- Contributions
- Value
Scenario comparison
Same inputs, different assumed annual rates — an illustration, not a prediction.
6% p.a.
₹10,01,336
8% p.a.
₹11,36,694
10% p.a.
₹12,94,929
12% p.a.
₹14,80,232
Year-by-year table
| Year | Contributions | Est. Interest | Value |
|---|---|---|---|
| 1 | ₹1,60,000 | ₹13,299 | ₹1,73,299 |
| 2 | ₹2,20,000 | ₹34,274 | ₹2,54,274 |
| 3 | ₹2,80,000 | ₹63,727 | ₹3,43,727 |
| 4 | ₹3,40,000 | ₹1,02,548 | ₹4,42,548 |
| 5 | ₹4,00,000 | ₹1,51,716 | ₹5,51,716 |
| 6 | ₹4,60,000 | ₹2,12,316 | ₹6,72,316 |
| 7 | ₹5,20,000 | ₹2,85,544 | ₹8,05,544 |
| 8 | ₹5,80,000 | ₹3,72,723 | ₹9,52,723 |
| 9 | ₹6,40,000 | ₹4,75,313 | ₹11,15,313 |
| 10 | ₹7,00,000 | ₹5,94,929 | ₹12,94,929 |
Worked example
Starting with ₹1,00,000 and adding ₹5,000 every month for 10 years at 10% grows to about ₹12,94,929. You contribute ₹7,00,000 in total; the rest — ₹5,94,929 — is compounding at work.
Compound interest formula
With a lump sum only, the value grows as:
A = P × (1 + r/n)n×t
When you add regular contributions, each contribution also compounds for the remaining periods, which this calculator computes period by period.
Why time is the biggest lever
Because interest earns interest, the final years contribute the most growth. Extending the duration usually increases the outcome far more than a similar increase in contribution — try it with the sliders.
Simple vs compound interest
Simple interest is charged only on the original principal, so it grows in a straight line. Compound interest is charged on principal plus accumulated interest, so growth accelerates over time. Compare the two with the Simple Interest calculator.
Assumptions & Limitations
- •Assumes a constant rate and regular contributions every period.
- •Contributions are added at the end of each compounding period.
- •Taxes and fees are not modelled.
- •Outputs are illustrations of your assumptions, not guarantees.
Frequently asked questions
Methodology last reviewed: 1 June 2026