Find the interest earned and the maturity value of a deposit.
₹5,00,000 at 7% compounded quarterly for 5 years matures at ₹7,07,389.10, earning ₹2,07,389.10 in interest.
The Interest Calculator shows how much a sum earns over time. Enter the principal, the annual rate, the number of years and how often interest is compounded, and it returns the interest earned and the maturity amount. You can also add monthly deposits, tax and inflation.
For one-off interest on a simple basis, use the Simple Interest Calculator. For a fixed deposit with a stated APY see the CD Calculator. The yearly table shows how interest builds each year.
The calculator applies the standard financial formulas step by step.
| Item | Amount |
|---|---|
| Starting amount | ₹5,00,000.00 |
| Total deposits | ₹0.00 |
| Interest earned | ₹2,07,389.10 |
| End balance | ₹7,07,389.10 |
| Interest as a share of end balance | 29.3% |
| Years | 5% p.a. | 7% p.a. | 9% p.a. |
|---|---|---|---|
| 1 years | ₹5,25,472.67 | ₹5,35,929.52 | ₹5,46,541.66 |
| 3 years | ₹5,80,377.26 | ₹6,15,719.66 | ₹6,53,024.99 |
| 5 years | ₹6,41,018.62 | ₹7,07,389.10 | ₹7,80,254.60 |
| 7 years | ₹7,07,996.15 | ₹8,12,706.45 | ₹9,32,272.50 |
| 10 years | ₹8,21,809.73 | ₹10,00,798.67 | ₹12,17,594.48 |
Simple interest is principal × rate × time; compound interest adds earned interest to the balance so it earns interest too.
Simple interest is calculated only on the original principal; compound interest is calculated on the growing balance.
Whatever your account uses — banks commonly compound quarterly or monthly; savings accounts often daily.
In India, interest income is added to your total income and taxed at your slab rate. Enter an approximate tax rate to see the after-tax result.
The principal plus all the interest earned by the end of the term.
Yes. Enter a monthly deposit to model a recurring deposit or savings plan.
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.
