Compound Interest Calculator
Calculate investment growth with compound interest, monthly SIP contributions, 10+ currencies, interactive charts, and PDF export
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- Select your preferred currency from 10+ options (INR, USD, EUR, GBP, JPY, etc.).
- Enter your initial principal amount - this is your starting investment.
- Set the annual interest rate using the slider (0-30%) or type a custom value.
- Choose the investment time period in years using the slider or input field.
- Select compound frequency: daily, monthly, quarterly, semi-annually, or annually.
- Optionally add regular contributions (SIP) for systematic investing.
- View results instantly with interactive charts, yearly breakdown table, and PDF export.
A = Future value of investment
P = Principal amount (initial investment)
r = Annual interest rate (as decimal, e.g., 5% = 0.05)
n = Number of times interest compounds per year
t = Number of years
PMT = Regular contribution amount per period
Retirement Planning
- • Calculate retirement corpus needed to maintain lifestyle
- • Determine monthly SIP amounts to reach your goal
- • Estimate pension fund growth over 20-30 years
- • Plan FIRE (Financial Independence) timeline accurately
- • Project long-term wealth accumulation with contributions
Investment Analysis
- • Compare investment options by projected returns
- • Project mutual fund growth with different SIP amounts
- • Calculate fixed deposit maturity values at various rates
- • Analyze bond yields across different time horizons
- • Evaluate investment strategies before committing funds
Savings Goals
- • Plan education fund to cover college tuition costs
- • Calculate home down payment savings timeline
- • Project emergency fund growth to 6-month expenses
- • Set vacation savings targets with monthly contributions
- • Build wedding fund with realistic monthly deposits
Business Finance
- • Project business loan repayment with interest
- • Estimate capital growth for expansion planning
- • Analyze investment ROI before major decisions
- • Plan cash flow with compound interest projections
- • Model reinvestment strategies for profit growth
The Power of Time
Starting early is more important than the amount. ₹5,000/month for 30 years at 12% grows to ₹1.76 Cr, while ₹10,000/month for 15 years only reaches ₹50 Lakhs.
Compound Frequency Matters
Monthly compounding at 12% yields an effective rate of 12.68%, while annual compounding stays at 12%. The difference grows significantly over long periods.
Regular Contributions Accelerate Growth
Adding even small monthly contributions dramatically increases your final corpus due to the compounding effect on each contribution.