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Calculate compound interest with annual, semi-annual, quarterly, or monthly compounding.
Compounded yearly for 10 years
Calculations follow official federal and central bank guidelines (IRS, RBI), statutory tax provisions, and standardized actuarial compounding.
Why our math is exact vs other portals →The Compound Interest Calculator is built to eliminate financial ambiguity by applying exact Indian financial mathematics rather than generic, oversimplified online estimates.
Whether evaluating interest liability on bank credit, calculating compounding acceleration on systematic investments, or forecasting net post-tax maturity values, accurate forecasting ensures you never misjudge your cash flow or long-term corpus.
Albert Einstein famously called compound interest the eighth wonder of the world.
End-of-period Annuity Ordinary math (omits interest on month 1 deposit)
True Annuity Due compounding [M = P × ((1+i)^n - 1)/i × (1+i)] reflecting real mutual fund SIP beginning-of-month debits.
In India, retail lending follows RBI guidelines on reducing balance compounding and External Benchmark Linked Lending Rates (EBLR/RLLR). Fixed deposits follow RBI quarterly compounding mandates, while mutual fund equity investments adhere to SEBI NAV timing and post-Budget 2024 capital gains tax provisions (12.5% LTCG over ₹1.25L).
₹2,00,000 compounded yearly at 10% for 10 years.
Maturity value is ₹5,18,748 with ₹3,18,748 in compound interest earned.
How systematic monthly mutual fund investments compound into multi-crore wealth across key milestones.
| Monthly SIP | 5 Years | 10 Years | 15 Years | 20 Years (Crore Goal) |
|---|---|---|---|---|
| ₹5,000/mo | ₹4,12,432 | ₹11,61,695 | ₹25,22,880 | ₹49,95,740 |
| ₹10,000/mo | ₹8,24,864 | ₹23,23,391 | ₹50,45,760 | ₹99,91,479 |
| ₹25,000/mo | ₹20,62,159 | ₹58,08,477 | ₹1,26,14,400 | ₹2,49,78,698 |
| ₹50,000/mo | ₹41,24,318 | ₹1,16,16,954 | ₹2,52,28,800 | ₹4,99,57,396 |
The more frequently interest is compounded (e.g. quarterly or monthly vs annually), the higher the effective annual return because interest starts earning interest sooner.
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