See how money grows with compound interest, including regular deposits, inflation and tax.
A = P(1 + r/n)^(nt). Investing ₹1,00,000 and adding ₹5,000 a month at 8% compounded monthly for 10 years grows to ₹11,36,694.20, of which ₹4,36,694.20 is interest.
Compound interest means you earn interest on your interest, so money grows faster over time. This calculator takes an initial amount, regular monthly deposits, the interest rate, the period and the compounding frequency and shows the end balance, the interest earned and a year-by-year table.
Time and rate matter most: the table on this page shows how a few extra years or a couple of extra percentage points change the result dramatically. Add inflation to see what the money will be worth in today's terms, and tax to see the after-tax growth. For a goal-based plan use the Savings Calculator.
The calculator applies the standard financial formulas step by step.
| Item | Amount |
|---|---|
| Starting amount | ₹1,00,000.00 |
| Total deposits | ₹6,00,000.00 |
| Interest earned | ₹4,36,694.20 |
| End balance | ₹11,36,694.20 |
| Interest as a share of end balance | 38.4% |
| Years | 6% p.a. | 8% p.a. | 10% p.a. |
|---|---|---|---|
| 5 years | ₹4,83,735.17 | ₹5,16,368.85 | ₹5,51,716.25 |
| 10 years | ₹10,01,336.41 | ₹11,36,694.20 | ₹12,94,929.04 |
| 15 years | ₹16,99,502.92 | ₹20,60,883.26 | ₹25,17,743.69 |
| 20 years | ₹26,41,224.92 | ₹34,37,782.36 | ₹45,29,651.54 |
| 25 years | ₹39,11,466.79 | ₹54,89,149.57 | ₹78,39,861.52 |
Interest calculated on both the original amount and the interest already earned, so growth accelerates over time.
A = P(1 + r/n)^(nt), where P is the principal, r the annual rate, n the compounding periods per year and t the years.
More frequent compounding earns slightly more: monthly beats annual at the same stated rate. The effect is small compared with rate and time.
Divide 72 by the annual rate to estimate the years to double your money: at 8%, about 9 years.
Yes. In many long-term plans most of the end balance comes from interest on contributions, which is why starting early helps.
Optionally: enter an inflation rate to see the value in today's money and a tax rate to reduce the yearly return.
It uses the standard formula: balance = P × (1 + r/n)^(n·t) + deposits compounded The full method and a worked example are shown on this page.
No. The calculator gives estimates for planning and learning. Real offers vary by lender, product and date, so confirm the details with your bank, lender or a qualified adviser before deciding.
Yes. The maths is identical in any currency; only the currency symbol shown in the results differs.
No. Everything is calculated in your browser and nothing you enter is uploaded or saved.
