Calculate compound growth with monthly, quarterly, or annual compounding. Add recurring investments and see how the power of compounding builds wealth over time.
Calculate compound growth with monthly, quarterly, or annual compounding. Add recurring investments and see how the power of compounding builds wealth over time.
Compounding Frequency
Optional SIP-like addition
Total Value
₹3,30,039
After 10 years
Interest Earned
₹2,30,039
230% of invested
Total Invested
₹1,00,000
Effective Annual Rate
12.683%
Monthly compounding
Growth Chart
DETAILS
This section explains what the calculator does, what goes into the result, and how to interpret the output so you can apply it confidently.
This calculator turns a few key inputs into a clear output you can act on — a number that traders and investors commonly use for planning and decision-making.
Use it to compare scenarios quickly and to understand the trade-offs behind the final result.
Treat the output as a planning number. Small changes in inputs (time, rate, price, quantity, risk, or cashflows) can change the outcome meaningfully — so keep assumptions realistic.
If the tool returns multiple outputs, focus on the ones that drive decisions (e.g., net result, breakeven, or risk-adjusted value), not just the biggest number.
Principal ₹1,00,000, Rate 12% p.a., Years 10, Frequency Monthly, Monthly add ₹0
Graphical view
Principal ₹5,00,000, Rate 10% p.a., Years 15, Frequency Quarterly, Monthly add ₹5,000
Graphical view
HOW IT WORKS
Input the initial amount, annual interest rate, and time period in years.
Select annual, quarterly, monthly, or daily compounding to see the difference.
Get total maturity value, interest earned, effective rate, and year-by-year growth chart.
FAQ
Compounding means earning returns on your returns, not just on the principal. At 12% annually, ₹1 lakh becomes ₹3.1 lakh in 10 years — more than triple. At 20 years, it becomes ₹9.6 lakh. Time is the most powerful variable.
Yes, especially over long periods. At 10% annual rate: annual compounding → ₹2.59 lakh in 10 years. Monthly compounding → ₹2.70 lakh. Daily compounding → ₹2.72 lakh. The difference grows larger with higher rates and longer horizons.
EAR is the actual annual return accounting for compounding within the year. A 12% rate compounded monthly has an EAR of 12.68% — because each month's interest also earns interest for the remaining months.
The last few years contribute disproportionately to total wealth. Starting 10 years later at the same rate typically results in half the final corpus, because those early years of compounding are lost permanently.
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