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Compound Interest Calculator Online

Calculate the your returns based on the power of compound interest calculator

I know my

Goal Amount

Expected Return (P.A)

Time Period


To achieve a goal amount of ₹15,00,000 in 10 year(s), and at 5% inflation, you would need to invest ₹9,20,869 at a 10% rate of return.


To achieve a goal amount of ₹15,00,000 in 10 year(s), and at 5% inflation, you would need to invest ₹9,20,869 at a 10% rate of return.

Total Investment Breakup

Lumpsum Investment

Interest Earned

Total Investment

Year Investment
Amount (₹)
Gained (₹)
Amount (₹)

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What is a Compound Interest Calculator?

All you need to know about Compound Interest Calculator

A compound interest calculator, also known as a cumulative interest calculator, is a helpful tool that assists you in determining the potential growth of your investment or savings over time. It takes into account important factors like the initial amount of money you invest or save, the interest rate, and how often the interest is compounded (like annually, monthly, or daily). By inputting these details into the calculator, it quickly calculates and shows you the future value of your investment or savings. This way, you can see how your money can grow over the years and make informed financial decisions. The calculator does all the complicated math for you, making it easy to understand and plan for your financial goals.

What is Compound Interest?

In simple terms, compound interest means interest on interest. As opposed to simple interest, it is a situation where the growth of your savings has far exceeded the sum of her contributions alone. Therefore, the process keeps on continuing and eventually, the capital gains become much higher over a long period of time, thanks to the compounding effect. Mathematically, the possibilities of compounding interest are endless. Most businesses thrive on it. Therefore, one needs a reliable compound interest calculator so that you don’t have to worry about calculated returns.

How Can a Compound Interest Calculator Help You?

The nature of a compound interest calculator is primarily rooted in its ability to perform complex calculations with ease and precision. Thus, a compound interest calculator  can help you in a number of ways, including:


  • Understanding the Power of Compound Interest: Compound interest is a powerful force that can help your money grow over time. By using a compound interest calculator, you can see how much your money can grow over a period of time, given a certain interest rate.


  • Planning for Your Financial Future: A compound interest calculator can help you plan for your financial future by showing you how much money you need to save each month to reach your goals. For example, if you want to have  ₹1 lakh saved for retirement by the time you’re 65, you can use a compound interest calculator to see how much you need to save each month.


  • Making Investment Decisions: If you want to invest monthly via a monthly compound interest calculator, it can show you how much your investment can grow monthly, given a certain interest rate. For example, if you’re considering investing in a mutual fund that offers an annual return of 8%, you can use a compound interest formula calculator to see how much your investment will be worth after months.

How is Compound Interest Calculated?

smallcase uses a global standardization method to calculate compound interest to determine the total returns you have incurred. The compound interest formula is as follows: 


A = P (1 + r/n) ^ nt


The variables in the following compound interest formula are: 


P Principal amount 
A Compound interest 
R/r Rate of interest
N/n The number of times interest compounds in a year
T/t Number of years


Let’s take a compound interest formula example to understand and calculate compound interest online.

Imagine investing 10,000 rupees that you want to calculate the compound interest for over a period of 5 years. The annual interest rate is 8%, and it is compounded annually. 

Here’s how you can calculate the compound interest using a compound interest calculator:


  • Open a compound interest calculator or use an online calculator.
  • Enter the initial principal amount: ₹10,000.
  • Input the annual interest rate: 8% (as a decimal, it is 0.08).
  • Specify the compounding frequency: annually.
  • Enter the time period: 5 years.
  • Click on the “Calculate” button or equivalent to obtain the results.


After performing the calculation, the compound interest calculator will display the future value of your investment. Let’s say the future value is calculated to be ₹13,972.56.


Therefore, by using the compound interest calculator, you can determine that the compound interest earned over 5 years on an initial investment of ₹10,000 at an annual interest rate of 8%, compounded annually, is ₹3,972.56.

How to Use smallcase Compound Interest Formula Calculator?

Using smallcase’s compound interest formula calculator is fairly easy to use if you follow these steps:


Step-1: Open smallcase compound interest formula calculator to calculate compound interest online. 


Step-2:  Enter the initial amount of money you are investing or saving.


Step-3:   Then input the interest rate as a percentage 


Step-4: Input the number of years or the time period for which you want to calculate the compound interest.


Step-5: Choose the frequency at which the interest is compounded, such as annually, semi-annually, quarterly, or monthly.

At last, the calculator will display the results within seconds. Also, if you have a target corpus that you are aiming for, you can directly tweak any of the three inputs to view its impact on the desired maturity amount.

Compound Interest Formula Example

Let’s look at a quick example: 

For instance, consider you invested ₹1,00,000 in a SIP mutual fund scheme annually at a compound interest rate formula of 10% for 20 years. 

Period Total Invested Amount Value of Investment
1 year ₹1,00,000 ₹1,10,000
5 years ₹5,00,000 ₹6,71,561
10 years ₹10,00,000 ₹17,53,116
15 years ₹15,00,000 ₹34,94,973
20 years ₹20,00,000 ₹63,00,250


Thus, after calculating from the SIP compound interest calculator, your wealth will increase as the investment amount will exceed the overall interest in the next 20 years.

What are the Benefits of Using a smallcase Compound Interest Calculator?

You can harness the power of compounding by leveraging the below-mentioned benefits of smallcase compound interest calculator: 


  • It’s easy to use: Since you can use a smallcase compound interest calculator whenever you need, input the details to calculate the ROI easily.


  • It’s reliable & accurate: To estimate how much your investment will be worth in the future, smallcase uses the most recent financial formulas.

  • It’s FREE to use: Anyone can use the compound interest rate calculator and doesn’t have to pay a dime when it comes to calculating returns. 


Overall, the compound interest formula calculator comes in handy while calculating simple and compound interest for different tenures like daily, monthly, and annually. Besides this, you can also use a wide range of calculators for your needs as mentioned below. These calculators are built with precision and are ideal for everyday usage.

Frequently Asked Questions

What is Daily, Monthly & Yearly Compounding?

With daily compounding, interest is calculated and added to your account balance every day.

Thus, with monthly compounding and yearly compounding, interest is calculated and added to your account balance once a month and a year. 

How do I calculate my compound interest?

To calculate compound interest, you can use a smallcase online compound interest calculator to get quick and accurate results within seconds.

Is it also possible to calculate my returns on National Savings Certificates?

Yes, you can calculate your returns on National Savings Certificates using the appropriate formula or an online calculator.

What are compound interest investments?

Compound interest investments refer to investments where the interest earned is added to the initial amount, generating more interest over time.

What types of investments can be calculated using a compound interest formula calculator?

Any investment that involves compound interest, such as savings accounts, fixed deposits, bonds, or mutual funds, can be calculated using a compound interest formula calculator.

Is the value shown in the calculator in Rupees?

Yes, the value shown in the compound interest formula calculator is typically in Rupees.

What is the difference between simple interest and compound interest?

Simple interest is calculated only on the principal amount, while compound interest includes the accumulated interest from previous periods.n.

How to calculate monthly compound interest?

To calculate monthly compound interest, use the formula: A = P(1 + r/n)^(nt) or you can use a monthly compound interest calculator and simplify your calculations.

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