Compound Interest Calculator India — Free Online 2026 — free 2026 guide with formula, examples and calculator.
Compound interest is the foundation of wealth creation. Einstein called it the "eighth wonder of the world." In India, FDs, PPF, NPS, SIPs, and all mutual funds compound your returns. Understanding how different compounding frequencies (monthly vs annual) affect final returns helps you choose better.
Annual compounding: A = 1L × (1.07)^10 = ₹1,96,715
Monthly compounding: A = 1L × (1+0.07/12)^120 = ₹2,00,966
Monthly earns ₹4,251 more — frequency matters!
| Principal | Rate | 10 yrs (Monthly) | 20 yrs (Monthly) |
|---|---|---|---|
| ₹1 Lakh | 7% | ₹2.01L | ₹4.04L |
| ₹1 Lakh | 12% | ₹3.30L | ₹10.89L |
| ₹5 Lakh | 7% | ₹10.04L | ₹20.18L |
| ₹5 Lakh | 12% | ₹16.51L | ₹54.45L |
Calculate compound interest for any principal, rate, and compounding frequency — with monthly breakdowns.