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
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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