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About this tool
Compound interest at any frequency, with deposits and a year-by-year growth table.
This detailed compound interest calculator applies A = P(1 + r/n)^(nt) at whatever frequency you choose — daily, weekly, fortnightly, monthly, quarterly, half-yearly, annually or continuously — and can add a recurring deposit at the end of every period. Alongside the closing balance it reports total contributions, total interest, the effective annual rate (APY) and a year-by-year table of opening balance, deposits, interest and closing balance.
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Enter the values you already know.
Fine-tune the options to match your scenario.
Read the result and use it in your planning or reporting.
Daily through annual plus continuous compounding, so the maths matches your actual product.
See opening balance, deposits, interest earned and closing balance for every single year.
APY is shown next to the nominal rate, which is the only fair way to compare two offers.
The nominal rate is the quoted annual figure; the effective annual rate (APY) is what you actually earn once compounding is applied. At 8% compounded quarterly the effective rate is 8.243%.
Yes, but with diminishing returns. Moving from annual to monthly compounding helps noticeably; monthly to daily adds very little, and continuous compounding is the mathematical ceiling.
At the end of each compounding period, which is the ordinary-annuity convention. That period's interest is credited on the balance before the new deposit lands.
No. Results are pre-tax and informational. Interest on Indian bank deposits is taxable at your slab rate and banks deduct TDS above the prescribed threshold, so your in-hand return will be lower.
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