Compound Interest Calculator
Forecast your long-term wealth growth, interest compounding, and investment returns with annual, quarterly, or monthly schedules.
Year-by-Year Wealth Progression
Observe how compounding accelerates in later years as accumulated interest overtakes the original principal:
| Year | Invested Capital | Accumulated Interest | Total Balance |
|---|---|---|---|
| Year 1 | ₹100,000 | +₹9,381 | ₹109,381 |
| Year 2 | ₹100,000 | +₹19,641 | ₹119,641 |
| Year 3 | ₹100,000 | +₹30,865 | ₹130,865 |
| Year 4 | ₹100,000 | +₹43,141 | ₹143,141 |
| Year 5 | ₹100,000 | +₹56,568 | ₹156,568 |
| Year 6 | ₹100,000 | +₹71,255 | ₹171,255 |
| Year 7 | ₹100,000 | +₹87,320 | ₹187,320 |
| Year 8 | ₹100,000 | +₹104,892 | ₹204,892 |
| Year 9 | ₹100,000 | +₹124,112 | ₹224,112 |
| Year 10 | ₹100,000 | +₹145,136 | ₹245,136 |
Compound Interest FAQs
Essential concepts about compound interest and compounding frequencies.
What is compound interest versus simple interest?
Simple interest is calculated only on the initial principal. Compound interest is calculated on the initial principal AND all accumulated interest from previous periods, leading to exponential 'interest on interest' growth.
What compounding frequency yields the highest returns?
The more frequently interest is compounded (e.g. daily or monthly versus annually), the higher the final return, because your interest begins earning its own interest sooner.
What is the Rule of 72?
The Rule of 72 is a quick financial shortcut to estimate how many years it will take for an investment to double: Divide 72 by the annual interest rate (e.g., at 9% interest, 72 ÷ 9 = 8 years to double).
Are my financial calculations saved or tracked?
Zero data is saved. pdfriend runs all financial algorithms 100% client-side in your local browser memory for complete financial privacy.
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