Compound Interest Calculator
One-time savings · compounding growth
₹1,00,000
8%
10 years
₹2,21,964
Total Value
₹1,00,000
Principal
₹1,21,964
Interest Earned
2.2x
Growth Multiple
Power of compounding
Compounding more frequently slightly increases your returns. Time matters more than rate — staying invested longer has a bigger impact than chasing a higher rate.
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How compound interest works
Compound interest earns interest on your interest. The formula is:
Formula: A = P × (1 + r/n)n·t, where P = principal, r = annual rate, n = compounding periods per year, t = years.
Tips
- Longer > higher rate. 8% for 20 years hugely beats 15% for 5 years.
- Compounding frequency helps, but slightly. Monthly vs yearly at 8% adds ~0.07% per year.
- Reinvest interest. Withdrawing interest kills compounding.