Compound Interest Calculator
Calculate how your money grows with compound interest — enter your principal, interest rate, tenure, and compounding frequency to see your total interest earned and maturity value.
Principal vs Total Interest Earned
As the years go by, a growing share of your total value comes from compounded interest rather than your original principal — this chart shows that shift.
How Compound Interest Is Calculated
Interest is added back to your principal at each compounding cycle, so every subsequent cycle earns interest on a larger base — the more frequently it compounds and the longer it runs, the greater the effect.
Compound Interest Formula
A = P × (1 + R/N)N × T
Principal (P)
₹1,00,000.00
Annual Rate (R)
10%
Compounding (N)
Annually
Time Period (T)
10 Years
Maturity Value (A)
₹2,59,374.25
Where: P is your principal amount, R is the annual interest rate, N is the number of times interest compounds per year, and T is the time period in years. Since interest is added back to the principal at every compounding cycle, each subsequent cycle earns interest on a progressively larger base.
Compound Interest Calculation Example
See how your principal grows over time using the values you've entered.
Worked Example
Suppose you invest ₹1,00,000.00 for 10 years at an annual interest rate of 10%, compounded annually.
Over this period, your investment will earn a total interest of ₹1,59,374.25.
Based on these values, your investment will grow to approximately ₹2,59,374.25.
A few things that shape how compound interest grows:
Interest earned in each cycle gets added back to the principal, so future cycles earn interest on a larger base.
A higher compounding frequency means interest is added to your principal more often, slightly boosting your final maturity value.
Longer time periods let compounding work for longer, which is why the gap between compound and simple interest widens the most over 15–20+ year horizons.
Year-wise Compound Interest Growth
See your estimated interest and total value at the end of each year, based on your chosen compounding frequency.
Swipe horizontally to view the complete growth breakdown.
| Year | Principal Amount | Interest Earned | Total Value |
|---|---|---|---|
| 1 | ₹1,00,000.00 | ₹10,000.00 | ₹1,10,000.00 |
| 2 | ₹1,00,000.00 | ₹21,000.00 | ₹1,21,000.00 |
| 3 | ₹1,00,000.00 | ₹33,100.00 | ₹1,33,100.00 |
| 4 | ₹1,00,000.00 | ₹46,410.00 | ₹1,46,410.00 |
| 5 | ₹1,00,000.00 | ₹61,051.00 | ₹1,61,051.00 |
| 6 | ₹1,00,000.00 | ₹77,156.10 | ₹1,77,156.10 |
| 7 | ₹1,00,000.00 | ₹94,871.71 | ₹1,94,871.71 |
| 8 | ₹1,00,000.00 | ₹1,14,358.88 | ₹2,14,358.88 |
| 9 | ₹1,00,000.00 | ₹1,35,794.77 | ₹2,35,794.77 |
| 10 | ₹1,00,000.00 | ₹1,59,374.25 | ₹2,59,374.25 |
Frequently Asked Questions
Common questions on how compound interest works, compounding frequency, and how it compares to simple interest.
Disclaimer
Results are estimates for informational purposes only and may differ from actual values. Do not make financial, investment, tax, or legal decisions based solely on these results. Verify important calculations with official sources or a qualified professional. CalcMint is not liable for any loss or damage resulting from the use of this calculator.
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