Compound Interest Calculator
Compounding earns interest on interest. Pick the compounding frequency and watch how the same rate produces very different results over time.
Adjust & watch it update
Principal
₹
Rate & Time
%
Time Unit
yrs
Compounding
Compound Interest
—
Total Amount—
Effective Annual Rate—
Frequently asked questions
How does compounding frequency change returns?
More frequent compounding means interest is added to principal sooner, so it earns interest earlier. Monthly compounding beats annual at the same nominal rate — the gap is the effective annual rate (EAR).
What is EAR?
Effective Annual Rate — the true yearly growth after accounting for compounding. An 8% rate compounded monthly has an EAR of about 8.30%.