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Calculators

Compound Interest Calculator

Compound Interest Calculator

What will a one-time investment grow to?

₹
Years Months Days
%
%
Maturity value
0
after compounding monthly
Interest earned
0
total growth
Principal
0
your original investment
Inflation-adjusted maturity
0
in today's money
Post-tax maturity
₹0
How the final value breaks down

Assumes monthly compounding at a constant annual rate for the whole period — real investment returns vary year to year, so treat this as an illustrative projection, not a promised outcome. This same math applies whether you are parking a lump sum in a fund, an FD-like instrument, or just curious what compound interest does to any pile of money left alone.

Tax: what rate applies depends on the wrapper, not the math. Bank/deposit interest and debt-fund gains are taxed at your slab rate (deposit interest may also see 10% TDS past ₹50,000/yr at one bank, ₹1L for seniors). Equity funds or shares held over a year pay 12.5% LTCG on gains beyond ₹1.25L a financial year (20% STCG if sold within a year). Set the tax field to whichever applies to your instrument — the post-tax card taxes only the gains, never your principal.

What to work out next

Post-tax Yield Comparator

FD vs debt fund vs equity fund vs PPF/SSY, ranked after tax.

FD vs Debt Mutual Fund Calculator

Guaranteed slab-rate tax, or market-linked slab-rate tax.

Inflation Calculator

See what today's rupee is worth years from now.

TDS Calculator

Work out the TDS a bank deducts on your FD/RD interest.

Emergency Fund Calculator

Size your safety net and see how fast you can build it.

PPF Calculator

See what your PPF account grows to at maturity.

Frequently asked questions

Is a fixed deposit still worth it compared to other options?

It depends on your goal -- fixed deposits offer safety and a guaranteed return, which suits short-term goals or emergency funds, but their returns often barely keep pace with inflation after tax. For long-term goals, market-linked options have historically outperformed fixed deposits, at the cost of guaranteed safety.Read more: Debt Funds’ Peaceful NAV Lie: Valuation Games That Cost Retail

What's the difference between simple and compound interest?

Simple interest is calculated only on the original principal for the entire period. Compound interest is calculated on the principal plus any interest already earned, so the amount it's calculated on grows over time. Compounding produces a meaningfully larger result the longer the money is invested.Read more: Lumpsum Calculator: Future Value of a One-Time Investment

How much emergency fund should I keep?

A common guideline is 3-6 months of essential expenses in an easily accessible account, though this varies by job stability, dependents, and other safety nets available to you. It should be liquid and low-risk, not invested for growth, since the point is availability when you need it, not returns.Read more: Your NBFC Fixed Deposit Has Zero Government Insurance — Unlike a Bank FD

Are savings account returns taxable?

Generally, yes -- interest earned is typically taxable as regular income, though some jurisdictions offer a small exemption threshold on savings interest specifically. Check the current rule where you file, since this is one of the more frequently adjusted thresholds.Read more: Breaking Your FD Early Costs More Than the Penalty Alone

Estimates only, not financial advice. See our Disclaimer.