Advanced calculator with inflation adjustment, tax modeling, recurring deposits, and year-by-year projections. Make your money work harder.
Our advanced compound interest calculator models the full power of compounding with multiple frequencies (daily, weekly, monthly, quarterly, annually), recurring deposits, inflation adjustment, and tax calculations. Unlike basic calculators, we show year-by-year projections and real returns after inflation and taxes.
Whether you're saving for retirement, building an emergency fund, or planning major purchases, understanding compound interest is crucial to maximizing your wealth. Use our 2026 calculator with current market rates to see exactly how your money will grow.
See how your money grows with this compound interest calculator: enter a starting amount, regular contributions, an annual rate and the number of years, choose how often interest compounds (daily, monthly, quarterly, yearly) and get the final value, total interest earned and a year-by-year growth chart.
Use it to compare fixed deposits, savings accounts, index funds or a lump-sum vs SIP plan, and to see how compounding frequency, inflation and tax change the real return. The formula behind it is A = P(1 + r/n)βΏα΅ plus the future value of regular deposits.
A = P Γ (1 + r/n)^(nΓt), where P is principal, r the annual rate as a decimal, n compounding periods per year and t years. Regular contributions are added using the future-value-of-annuity formula.
Approximately βΉ99.9 lakh: βΉ24 lakh invested and about βΉ75.9 lakh of compounding gains. Try it above with your own rate and tenure.
Slightly. βΉ1 lakh at 8% for 10 years becomes βΉ2.16 lakh compounded yearly, βΉ2.22 lakh monthly and βΉ2.23 lakh daily. Rate and time matter far more than frequency.
Divide 72 by the annual rate to estimate the years needed to double your money: at 8% it takes about 9 years, at 12% about 6.
Yes for long horizons. Enter an inflation rate to see the "real" value of the final amount in today's money.