Last updated: October 2026

🔄 Compound Interest Calculator

Our compound interest calculator shows the magic of compounding — interest earning interest — with flexible compounding frequencies (yearly, half-yearly, quarterly, monthly).

Compound Interest Calculator

Byaaj par byaaj — paisa kitni tezi se badhega?

Principal amount

₹10K₹1 Cr

Annual interest rate

0%40%

Time period

1 yr30 yrs

Compounding frequency

Jitni frequent compounding, utna zyada return.

Maturity amount₹0

Principal₹0

Interest earned₹0

Formula: A = P × (1 + r/n)^(n×t). FD/RD me quarterly compounding common hai.

⚠️ Ye sirf estimate hai, financial advice nahi hai. Disclaimer padhein.

Compounding ka jaadu

Interest par interest milne se growth exponential hoti hai — time jitna lamba, effect utna bada. Isliye invest jaldi start karna sabse bada advantage hai.

How to Use

Enter the principal amount.
Set the annual interest rate.
Choose tenure and compounding frequency.
See total value and compound interest earned.

Formula

A = P × (1 + r/n)^nt

Where P = principal, r = annual rate, n = compounding periods per year, t = years. More frequent compounding = slightly higher returns.

💡 Example

Example: ₹1 lakh at 8% for 10 years → yearly compounding: ₹2,15,892; monthly compounding: ₹2,21,964. Frequency matters!

Compound interest ke niyam: dar wahi, hisab badal jata hai

Compound interest ka niyam ek hai — har avadhi ke ant me byaaj mool rakam me jud jata hai, aur agla byaaj usi badhi hui rakam par lagta hai. Par ek baat jo aksar chhoot jati hai: byaaj kis-kis antar par judta hai, use hi compounding frequency kehte hain. Saal me ek baar jude to yearly, chaar baar jude to quarterly, aur har mahine jude to monthly. Bharat me bank FD aur RD par aam taur par timahi hisab hota hai, PPF aur EPF me saalana, aur bachat khate me bhi aajkal timahi aadhar par byaaj milta hai.

Yahi kaaran hai ki ek hi "7.5%" ki dar har jagah barabar nahi hoti. Asli saalana dar (effective annual rate) nikalne ka tareeka hai: (1 + r/n)^n − 1, jaha n saal me byaaj judne ki baar hai. Frequency jitni zyada, asal dar utni thodi zyada. Do yojanaon ki tulna karte waqt keval ghoshit dar na dekhein — ye bhi dekhein ki byaaj kitni baar judta hai aur beech me nikalne par katauti kya hai.

Ek aur vyavharik niyam: compounding ko samay chahiye. Pehle kuch saal badhotari dheemi lagti hai kyunki byaaj chhoti rakam par lagta hai; aakhri saalo me wahi chakr tezi pakadta hai. Is page ka hisab dar ko poori avadhi sthir manta hai — asal jeevan me daren badalti hain, isliye lambe anumaan ko samay-samay par dobara dekhna chahiye.

🧮 Ek aur hisab: ₹75,000 par quarterly banam yearly

₹75,000 ko 7.5% dar par 8 saal rakhte hain. Agar byaaj saal me ek baar jude, to rakam = ₹75,000 × (1.075)^8 = ₹1,33,761. Wahi paisa har teen mahine jude, to ₹75,000 × (1 + 0.075/4)^32 = ₹1,35,902. Fark sirf ₹2,141 ka hai — chhota, lekin bina ek paisa zyada lagaye, keval judne ki baari-baari se. Avadhi 8 ki jagah 20 saal kar dein to yehi chhota fark hazaro se lakh ki taraf badhne lagta hai; compounding ka khel samay se banta hai, jaadu se nahi.

FAQs — Compound Interest Calculator

Interest calculated on both the principal and accumulated interest — so your money grows faster every period. Einstein allegedly called it the 8th wonder of the world.

Simple interest pays only on principal. Compounding reinvests earnings — over 10+ years the gap becomes huge.

Monthly/quarterly beats yearly slightly. Banks typically compound FDs quarterly and savings accounts quarterly.

FDs, RDs, PPF, EPF, mutual funds — almost every long-term investment in India uses compounding.

Jo dar byaaj ke baar-baar judne ke baad asal me ek saal me milti hai, wahi effective annual rate hai. 7.5% ki dar timahi judne par asal me lagbhag 7.71% padti hai. Do bank ya yojana ki sahi tulna isi asal dar se hoti hai, ghoshit dar se nahi.

Sadharan byaaj keval mool rakam par lagta hai — kuch alpavadhi rin, dost-ristedari ke hisab aur kuch sarkari bakaaya hisabo me iska istemal hota hai. Lambe samay ki bachat me lagbhag har jagah compound interest hi chalta hai, isliye dono ka antar samay ke saath bahut bada ho jata hai.

Keval tab, jab dar aur shartein barabar hon. Monthly compounding wali yojana agar zyada shulk ya beech me nikalne ki sakht katauti rakhti hai, to uska kul labh quarterly wali saaf yojana se kam ho sakta hai. Sirf ek number nahi, poori shart padhein.

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