Compound Interest Calculator
Compound interest with yearly, half-yearly, quarterly, monthly or daily compounding, plus the effective annual rate.
Final amount
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Compound interest—
Effective annual rate—
How to use the Compound Interest calculator
- Enter principal, rate, time and compounding.
- Read the final amount at the top of the result, with compound interest, effective annual rate underneath. It updates as you type.
- Change one input at a time to see what moves the answer most, then save the result with Copy link or Download PDF.
About this tool
The more often interest compounds, the higher the effective rate. Indian bank FDs compound quarterly; most loans compound monthly.
Formula: A = P × (1 + r/f)^(f·t)
Worked example
With principal of ₹1,00,000, rate of 8%, time of 5 years and compounding of Quarterly:
| Final amount | ₹1,48,595 |
| Compound interest | ₹48,595 |
| Effective annual rate | 8.24% |
Built and reviewed by Savitar Finance (savitarfinance@gmail.com). Rules and rates last checked October 2026. How we calculate · Report a problem
Questions people ask
What is the compound interest formula?
A = P(1 + r/f)f×t, where f is how many times a year interest is added.
What is the effective annual rate?
The yearly rate with compounding included: (1 + r/f)f − 1.