Tools CalculatorsCompound Interest Calculator

Compound Interest Calculator

Calculate compound wealth gains and inflation impact over a time horizon.

Investment Settings

Adjust sliders or type custom numbers directly

Initial Principal (₹)

₹

₹1,000₹5 Lakh₹10 Lakh

Monthly Contribution (₹)

₹

₹0₹25,000₹50,000

Interest Rate (% annual)

1%12%25%

Estimated Inflation Rate (% annual)

0%6%15%

Investment Period (Years)

1 Year20 Years40 Years

Compounded Returns Summary

Nominal growth vs real inflation-adjusted purchasing power

Nominal Future Value

₹1,20,156

Real Value (Inflation-Adjusted)

₹77,123

Total Amount Invested

₹55,000

Total Interest Earned

₹65,156

Year-by-Year & Monthly Compound Growth Schedule

Click any year row to expand its detailed 12-month compounding growth report.

15 Years Compounding Horizon

	Year	Invested in Year (₹)	Total Invested to Date (₹)	Total Interest to Date (₹)	Nominal Value (₹)	Real Value (₹)
	Year 1(12 Months)	₹13,000	₹13,000	₹963	₹13,963	₹13,557
	Year 2(12 Months)	₹3,000	₹16,000	₹2,255	₹18,255	₹17,207
	Year 3(12 Months)	₹3,000	₹19,000	₹3,904	₹22,904	₹20,960
	Year 4(12 Months)	₹3,000	₹22,000	₹5,938	₹27,938	₹24,823
	Year 5(12 Months)	₹3,000	₹25,000	₹8,390	₹33,390	₹28,803
	Year 6(12 Months)	₹3,000	₹28,000	₹11,295	₹39,295	₹32,909
	Year 7(12 Months)	₹3,000	₹31,000	₹14,689	₹45,689	₹37,150
	Year 8(12 Months)	₹3,000	₹34,000	₹18,615	₹52,615	₹41,535
	Year 9(12 Months)	₹3,000	₹37,000	₹23,115	₹60,115	₹46,073
	Year 10(12 Months)	₹3,000	₹40,000	₹28,238	₹68,238	₹50,775
	Year 11(12 Months)	₹3,000	₹43,000	₹34,035	₹77,035	₹55,652
	Year 12(12 Months)	₹3,000	₹46,000	₹40,562	₹86,562	₹60,713
	Year 13(12 Months)	₹3,000	₹49,000	₹47,880	₹96,880	₹65,970
	Year 14(12 Months)	₹3,000	₹52,000	₹56,054	₹1,08,054	₹71,436
	Year 15(12 Months)	₹3,000	₹55,000	₹65,156	₹1,20,156	₹77,123
✓	Total (15 Yrs)	₹55,000	₹55,000	₹65,156	₹1,20,156	₹77,123

The Power of Compound Interest & Inflation

Compound interest is the interest earned on your initial principal amount plus the interest accumulated over previous periods. Widely regarded as the "eighth wonder of the world," compounding accelerates wealth growth because your returns generate their own returns, compounding exponentially over longer investment horizons.

However, inflation naturally erodes the purchasing power of your money. A nominal return of ₹1,00,000 in 20 years will not buy the same amount of goods as it does today. Our calculator accounts for this by computing the "Real Future Value" (inflation-adjusted), letting you see the true buying power of your wealth in today's currency value.

How to Use the Compound Interest Calculator

1
Enter Initial Investment
Set the start principal amount you have available to invest immediately.
2
Add Monthly Contributions
Specify any recurring monthly savings you will add to the portfolio to speed up growth.
3
Define Interest Rate & Horizon
Select the annual interest rate (nominal yield) and the total number of years you want the investment to compound.
4
Adjust the Inflation Rate
Input an average expected annual inflation rate (typically 3–7%) to see the real, deflated value of your future capital.