Compound interest calculator
For a lump sum, a recurring deposit, or any pot that earns a stated rate. A SIP has its own calculator, because the usual SIP formula is slightly different.
Total Future Value (Pre-tax)
Maturity₹1,07,946
Principal combined with compound interest.
Total Deposited
₹50,000
Lump sum + monthly adds
Compound Growth
₹57,946
Total earned interest
| Year | Put in | Value |
|---|---|---|
| 1 | ₹50,000 | ₹54,000 |
| 2 | ₹50,000 | ₹58,320 |
| 3 | ₹50,000 | ₹62,986 |
| 4 | ₹50,000 | ₹68,024 |
| 5 | ₹50,000 | ₹73,466 |
| 6 | ₹50,000 | ₹79,344 |
| 7 | ₹50,000 | ₹85,691 |
| 8 | ₹50,000 | ₹92,547 |
| 9 | ₹50,000 | ₹99,950 |
| 10 | ₹50,000 | ₹1,07,946 |
How the number is calculated
The annual rate is turned into an equivalent monthly rate for the compounding you picked, so a lump sum with yearly compounding still lands on that annual rate after twelve months. Money you add is included from the month you add it.
Monthly compounding at the same quoted rate ends a little higher than yearly compounding. That gap is the point of the toggle. It is not a reason to pick a product.
What this leaves out
Tax on the interest, and the chance the rate changes. A fixed deposit rate is a contract for a term. A fund return is not. Use the SIP calculator when the plan is a monthly market investment rather than a stated rate.