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Calculate your future savings growth.
Go to a trusted financial website or app that offers a free compound interest calculator — such as:
Make sure the calculator is secure (HTTPS) and up to date.
Start by entering your initial investment or savings amount — the base sum on which interest will be calculated.
Example: ₹10,000 or $1,000 as the initial deposit.
Enter the interest rate (%) you expect to earn annually.
Example: If your savings account offers 8% per year, enter 8.
Choose how often the interest compounds:
The more frequent the compounding, the faster your money grows.
Input the total number of years or months you plan to keep the money invested.
Example: 10 years for a long-term goal or 2 years for short-term savings.
If you plan to make regular deposits or monthly investments (like SIPs), enter that amount in the recurring contribution field.
Example: ₹1,000 per month for 5 years.
Once you’ve entered all the details, hit the Calculate button.
The calculator will automatically show:
Check the results to see how compounding impacts your investment over time. You can also:
This helps you make better investment decisions.
A free compound interest calculator works by applying the compound interest formula to your inputs—principal, interest rate, compounding frequency, and time. It automatically calculates how your investment grows when interest is added back to the principal periodically, creating exponential growth.
To use it effectively, input accurate values for:
Visit a trusted financial website (like Groww, Calculator.net, or BankRate), enter your investment details, and click “Calculate”. The tool instantly shows your total interest earned and final balance — completely free of charge.
Choose a calculator that is:
Compound interest can be calculated at different frequencies:
It’s an online financial tool that helps you compute how much your investment will grow over time due to compound interest — without requiring manual math or paid software.
Benefits include:
A good calculator is accurate, secure, mobile-friendly, and offers customizable options like recurring deposits and variable interest rates.
The standard compound interest formula is:
A = P (1 + r/n)^(n × t)
Where:
Look for features such as:
It helps investors understand how compounding boosts returns, compare investment products, and plan strategies for long-term wealth accumulation — all for free.
Because with compound interest, your interest earns more interest over time — meaning the longer you stay invested, the faster your money grows, thanks to the power of exponential growth.
You can find one on:
Invest in instruments that offer compounding returns, such as:
You can learn from educational resources like:
You can use it for:
Use it before:
The best time to invest is as early as possible. The longer your investment stays, the more it compounds, giving you exponential returns.
Compound interest becomes more tax-efficient when invested in tax-saving instruments like PPF, ELSS, or NPS — where returns are either tax-free or tax-deferred.
For beginners, Calculator.net and ET Money offer simple, intuitive, and visually clear compound interest calculators with instant results.
The main factors are:
ET Money, Groww, and BankRate calculators are among the best — offering advanced options like recurring contributions, visual growth charts, and regime comparisons.