Compound Interest Calculator
Apply the canonical compound interest formula across any frequency — monthly, quarterly, half-yearly or yearly.
1,00,000
8.00
5
4
Principal
₹1,00,000
Compound interest
₹48,595
Maturity value
₹1,48,595
n = 1 yearly, 2 half-yearly, 4 quarterly, 12 monthly.
// about this calculator
Compound interest is the cornerstone of every long-term financial decision — it's how FDs, PPF, mutual funds and even loans grow. The frequency of compounding has a real but bounded impact: switching from yearly to quarterly compounding on an 8% deposit adds roughly 6 basis points of effective yield.
// frequently asked questions
Compound interest reinvests every period's interest into the principal, so future interest is calculated on a larger base. Over long tenors, this snowball effect produces dramatically higher returns than flat simple interest.