चक्रवृद्धि ब्याज कैलकुलेटर
Compound interest calculator
Watch interest earn interest: the maturity amount, the interest earned and a year-by-year table.
Runs in your browser · nothing uploaded
Maturity amount
₹2.22 L
You put in
₹1.00 L
Interest earned
₹1.22 L
Formula: A = P × (1 + r ÷ n)^(n × t)
- P is the principal, r the yearly rate, n the compounding periods a year (12), t the years.
- No tax is deducted from the interest.
An estimate for planning, not financial advice. Real returns, rates and charges depend on your bank, fund or lender, and can change.
| Year | Principal | Value at year end |
|---|---|---|
| 1 | ₹1,00,000 | ₹1,08,300 |
| 2 | ₹1,00,000 | ₹1,17,289 |
| 3 | ₹1,00,000 | ₹1,27,024 |
| 4 | ₹1,00,000 | ₹1,37,567 |
| 5 | ₹1,00,000 | ₹1,48,985 |
| 6 | ₹1,00,000 | ₹1,61,350 |
| 7 | ₹1,00,000 | ₹1,74,742 |
| 8 | ₹1,00,000 | ₹1,89,246 |
| 9 | ₹1,00,000 | ₹2,04,953 |
| 10 | ₹1,00,000 | ₹2,21,964 |
How to use it
- 01Enter the principal, the yearly rate and the number of years.
- 02Choose how often interest is compounded.
- 03Read the maturity amount, the interest and the yearly table.
₹1,00,000 · 10% · 5 years · yearly
₹1,61,051, interest ₹61,051
About this tool
Compound interest is calculated on the original amount plus the interest already earned: A = P × (1 + r ÷ n)^(n × t). More frequent compounding gives a little more, and the effect grows with time. The table shows the value at the end of every year so you can see the curve steepen.
Use it to compare bank deposits, estimate a loan's growth if unpaid, or teach the formula. Choose Yearly, Half-yearly, Quarterly, Monthly or Daily. Tenures can be fractional, such as 2.5 years.
The result is a projection at a fixed rate, with no tax or charges deducted. Everything is calculated in your browser. For a simple-interest comparison, use the simple interest calculator.
हिंदी में मदद
मूलधन, सालाना ब्याज दर और अवधि डालें और देखें कि चक्रवृद्धि ब्याज से रकम कितनी बढ़ती है। ब्याज साल में एक बार, तिमाही, मासिक या रोज़ जुड़ने का विकल्प चुन सकते हैं। यह अनुमान है, निवेश की सलाह नहीं।
Questions
What is the compound interest formula?
A = P × (1 + r ÷ n)^(n × t), where P is the principal, r the yearly rate as a decimal, n the number of compounding periods a year and t the years. Interest is A − P.
How much more does monthly compounding give than yearly?
A little. ₹1,00,000 at 10% for 5 years becomes about ₹1,61,051 with yearly compounding and about ₹1,64,531 with monthly compounding.
How is compound different from simple interest?
Simple interest is only on the original principal. Compound interest also earns on past interest, so it grows faster over long periods.
Is tax included?
No. Interest from deposits is usually taxable, and TDS may apply. This calculator shows the pre-tax amount.