Calculate compound interest for any principal, rate, tenure, and compounding frequency. See how daily, monthly, quarterly, and annual compounding affect your returns.
Compound interest is interest earned on both your principal AND on previously accumulated interest. It's the most powerful force in long-term wealth building.
A = P × (1 + r/n)n × t
| Compounding | Maturity | Interest |
|---|---|---|
| Annual | ₹2,15,892 | ₹1,15,892 |
| Quarterly | ₹2,21,964 | ₹1,21,964 |
| Monthly | ₹2,21,964 | ₹1,21,964 |
| Daily | ₹2,22,535 | ₹1,22,535 |
A = P × (1 + r/n)n × t. Substitute your principal, rate (decimal), compounding frequency, and tenure.
Simple interest accrues only on principal. Compound interest accrues on principal + accumulated interest. Over 20+ years, the difference can be 3–5× your money.
More frequent = slightly higher returns. Daily > monthly > quarterly > annual. Bank FDs in India use quarterly compounding.