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Compound Interest Calculator
Quick answer
If principal is ₹1,00,000, annual rate is 8%, time is 5 years and compounding is 12, the maturity value is ₹1,48,984.57 and the interest earned is ₹48,984.57.
Compound interest formula: A = P × (1 + r ÷ (100 × m))^(m × t).
Enter your values
0 %50 %
%
1 year40 years
years
Compounding
Maturity value
₹1,48,984.57
What the investment is worth once its full term has run, including everything it has earned along the way.
33% is interest earned
0of 100
Interest earned share
- Principal₹1,00,00067%
- Interest earned₹48,984.5733%
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About the Compound Interest Calculator
Compound interest is calculated on the principal and on the interest already earned, so the balance grows faster each period. Choose how often interest compounds — yearly, half-yearly, quarterly or monthly — and see the maturity value and the interest earned.
Try the same rate with different compounding frequencies: more frequent compounding gives a slightly higher result.
Compound interest formula
A = P × (1 + r ÷ (100 × m))^(m × t)
P is the principal, r the annual rate in percent, m the number of times interest compounds per year and t the number of years. Interest earned is A − P.
Things to keep in mind
- Time has the biggest effect: the same rate over twice the years more than doubles the interest.
- Compare products on the effective annual return, not only the quoted rate.
- Use the Rule of 72 to estimate how long it takes your money to double.
See how the result changes
Each table re-runs this calculator with one value changed and everything else left as it is.
Maturity value by principal
If principal goes from ₹1,00,000 to ₹1,50,000, maturity value changes from ₹1,48,984.57 to ₹2,23,476.86 (+50%).
| Principal | Maturity value |
|---|---|
| ₹50,000 | ₹74,492.29 |
| ₹75,000 | ₹1,11,738.43 |
| ₹1,00,000start | ₹1,48,984.57 |
| ₹1,50,000 | ₹2,23,476.86 |
| ₹2,00,000 | ₹2,97,969.14 |
Maturity value by annual rate
If annual rate goes from 8% to 12%, maturity value changes from ₹1,48,984.57 to ₹1,81,669.67 (+22%).
| Annual rate | Maturity value |
|---|---|
| 4% | ₹1,22,099.66 |
| 6% | ₹1,34,885.02 |
| 8%start | ₹1,48,984.57 |
| 12% | ₹1,81,669.67 |
| 16% | ₹2,21,380.69 |
Maturity value by time
If time goes from 5 years to 7.5 years, maturity value changes from ₹1,48,984.57 to ₹1,81,849.43 (+22%).
| Time | Maturity value |
|---|---|
| 2.5 years | ₹1,22,059.24 |
| 3.75 years | ₹1,34,851.56 |
| 5 yearsstart | ₹1,48,984.57 |
| 7.5 years | ₹1,81,849.43 |
| 10 years | ₹2,21,964.02 |
FINANCE GUIDE
A quick guide to Compound Interest
Use it to get an accurate maturity value in seconds — free, with no sign-up.
Instant results
See your maturity value the moment you enter your numbers.
Free, no sign-up
Every calculator here is free to use, with no account required.
Accurate & transparent
The same standard formula runs on our server for every calculation.
How to Use the Compound Interest Calculator
1
Enter Principal
Provide your principal.
2
Enter Annual rate
Provide your annual rate, in %.
3
Enter Time
Provide your time, in years.
4
View Your Results
Get your maturity value instantly, calculated on our server.
What is Compound Interest?
This finance tool works out your maturity value instantly, so you don't have to do the math by hand.
“One quick calculation, so you always know your maturity value before you decide.”
What Affects Your Maturity value
Your maturity value depends on the values below.
Principal
Changing your principal changes your maturity value.
Annual rate
Changing your annual rate changes your maturity value. Typically between 0 and 50 %.
Time
Changing your time changes your maturity value.
Compounding
Changing your compounding changes your maturity value.
Example Result
Here's what you can expect from a compound interest calculation:
- Principal
- 100000
- Annual rate
- 8 %
- Time
- 5 years
- Compounding
- 12
- Maturity value
- ₹1,48,984.57
- Interest earned
- ₹48,984.57
Frequently Asked Questions
- How do I calculate compound interest?
- Multiply the principal by (1 + rate ÷ compounding periods) raised to the power of periods × years, then subtract the principal to get the interest. The calculator does this for you.
- How does principal affect maturity value?
- If principal goes from ₹1,00,000 to ₹1,50,000, maturity value changes from ₹1,48,984.57 to ₹2,23,476.86 (+50%).
- How does annual rate affect maturity value?
- If annual rate goes from 8% to 12%, maturity value changes from ₹1,48,984.57 to ₹1,81,669.67 (+22%).
- How to calculate compound interest?
- Fill in principal, annual rate and time in the Compound Interest Calculator above and your maturity value is calculated instantly. Change any value to see how the result responds.
- What does an example compound interest calculation look like?
- If principal is ₹1,00,000, annual rate is 8%, time is 5 years and compounding is 12, the maturity value is ₹1,48,984.57 and the interest earned is ₹48,984.57.
- Is this calculator free to use?
- Yes — every calculator on this site is completely free, with no sign-up or account required.
- How accurate is this calculator?
- It uses the standard formula and calculates on our server for every request, so results are precise for the values you enter.
- Is my data saved anywhere?
- No. Nothing you enter is stored or sent anywhere unless you choose to share a link with your values included.
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