Compound Interest Calculator
Interest par bhi interest — compounding ka real power dekhein. Yearly, half-yearly, quarterly ya monthly compounding choose karein.
Compound interest formula
n is the number of compounding periods per year (1 yearly, 2 half-yearly, 4 quarterly, 12 monthly). Worked example: ₹1,00,000 @ 10% for 5 years — annual compounding → ₹1,61,051; quarterly compounding → ₹1,63,862. Wahi 10%, sirf frequency ka fark: ₹2,811 extra.
Rule of 72 — doubling time
72 ko rate se divide karein, approximate years milenge jisme paisa double hoga: 72 ÷ 10 = ~7.2 saal, 72 ÷ 8 = ~9 saal. Quick mental math for any investment pitch.
FAQ
Compounding frequency se kitna fark padta hai?
₹1 lakh @ 10% for 5 years: annual ₹1,61,051, quarterly ₹1,63,862, monthly ₹1,64,531. Short tenure me fark chhota, lekin 20-25 saal me compounding frequency ka asli magic dikhta hai — aur time hi compounding ka sabse bada dost hai.
Kya mutual fund returns compound hote hain?
Growth-option funds me returns declare na hone ki wajah se technically "compounding" nahi kaha jata, lekin reinvested growth ka effect same hota hai — NAV growth par further growth. SIP + long tenure isi power ka use karta hai. SIP calculator se monthly investment ka projection dekhein.
Effective annual rate kya hai?
Jab compounding yearly se zyada baar hoti hai (quarterly/monthly), to stated rate se asli annual return zyada hota hai. 10% quarterly compounding ka effective annual rate ~10.38% hai. Loan offers compare karte waqt effective rate dekhein, sirf headline rate nahi.
Simple interest vs compound interest?
Simple interest hamesha original principal par lagta hai — growth linear. Compound interest interest par bhi interest lagata hai — growth exponential. Same 10% for 5 years: SI ₹50,000 vs CI ₹61,051. Savings ke liye compounding hamesha better.