What does "compounding frequency" mean?

It is how often interest is calculated and added to the balance each year — for example, monthly compounding (12) applies interest 12 times a year instead of once.

How are recurring contributions handled?

Each contribution is assumed to be added at the end of a compounding period, then earns interest for the remaining periods, just like a regular savings or retirement account.

Compound Interest Calculator

Project investment growth with compound interest and optional recurring contributions.

Currency

Principal (₹)

Annual rate (%)

Time (years)

Compounding frequency

Contribution per period (optional, ₹)

Future Value: ₹1,628.89
Total Contributions: ₹0.00
Total Interest: ₹628.89

How it works

Enter a starting principal, annual interest rate, time in years, and how often interest compounds. Optionally add a contribution made at the end of every compounding period. The calculator applies the standard compound-interest formula (with an annuity term for recurring contributions) entirely in your browser to project the future value, total contributed, and total interest earned.

Example

₹1,000.00 at 5% for 10 years, compounded annually

1000, 5, 10, 1, 0Future value: ₹1,628.89, Total contributions: ₹0.00, Total interest: ₹628.89

FAQ

What does "compounding frequency" mean?: It is how often interest is calculated and added to the balance each year — for example, monthly compounding (12) applies interest 12 times a year instead of once.
How are recurring contributions handled?: Each contribution is assumed to be added at the end of a compounding period, then earns interest for the remaining periods, just like a regular savings or retirement account.