Advanced Compound Interest Calculator

Simulate exponential wealth across daily, weekly, fortnightly, monthly, quarterly, and annual compounding cycles.

📅 Updated: October 2026 • 📐 Standard: A = P(1+r/n)ⁿᵗ • 🔍 Verified by: KitnaPaisa

Initial Principal

₹

₹1 Lakh

Annual Interest Rate (p.a)

Time Horizon

Yrs

Compounding Frequency

Add Regular Recurring Deposit

Adjust for Inflation

Inflation Rate (p.a)

Total Invested Principal

₹0

Total Interest Earned

₹0

Final Maturity Value
₹0

Effective Annual Yield (APY)

0.00%

Compounded Return

Total Wealth Multiplier

0.00x

Times Initial Investment

Compounding Frequency Comparison

This table isolates frequency alone using your initial principal only — it does not include recurring deposits, even if you've enabled them above. See FAQ below for why.

Frequency	Cycles / Yr	Effective Yield (APY)	Maturity Value	Additional Gain

Your Rate vs Typical Real-World Ranges

Illustrative typical ranges, not guarantees — actual returns depend entirely on where the money is actually invested.

Principal vs Interest Ratio

Compounding Growth Trajectory

Yearly Compounding Schedule

Year	Opening Balance	Deposits Paid	Interest Earned	Closing Balance

📐 Mathematical Methodology & Verification

A = P × (1 + r/n)^(n×t)
APY = (1 + r/n)ⁿ − 1
With recurring deposits: each cycle adds (annual deposit ÷ n) before applying that cycle's interest

Deposit-smoothing disclosed: when a recurring deposit is enabled, this calculator spreads the annual deposit total evenly across every compounding cycle rather than crediting it on its exact real-world date (e.g., the 5th of each month). This slightly understates returns versus depositing early in a cycle, and slightly overstates them versus depositing late — the two roughly average out over a full year, but a bank statement for a specific short period may differ.
Comparison table scope: the frequency comparison table always uses principal alone, with no deposits, so every row is comparing exactly one variable (frequency) — this is intentional, not a bug, but it means the table's numbers won't match your main result once deposits are switched on.
Client-Side Execution: All calculations run locally in your browser. No financial data is transmitted.

Researched & Maintained by the KitnaPaisa Financial Team

KitnaPaisa provides free, transparent financial tools for Indian retail investors, adhering to standard compounding formulas and regulatory norms.

How Compounding Frequency Affects Returns

Compound interest is interest earned on top of previously accumulated interest. Increasing the frequency from Annually (1x) to Monthly (12x) or Daily (365x) lets your money start generating returns on newer interest balances earlier in the financial cycle.

Frequently Asked Questions

What is the compound interest formula for different frequencies? ▼

The compound interest formula is A = P(1 + r/n)^(nt), where P is principal, r is annual nominal rate, n is compounding frequency (365 for daily, 52 for weekly, 12 for monthly, 1 for yearly), and t is time in years.

What is the difference between APR and APY? ▼

APR is the stated nominal annual percentage rate, whereas APY (Annual Percentage Yield) reflects the effective return earned after accounting for intra-year compounding cycles. A 12% nominal rate compounded monthly yields an effective APY of about 12.68%.

Why does the frequency comparison table show different numbers than my main result? ▼

The comparison table isolates the effect of compounding frequency alone, using only your initial principal with no recurring deposits, so it can be compared like-for-like across frequencies. Your main result includes any recurring deposits you've added, which is why the two numbers differ when deposits are switched on.

What is the Rule of 72 in compound interest? ▼

The Rule of 72 is a quick mental math shortcut: divide 72 by your annual interest rate to find out approximately how many years it will take for your money to double (e.g., at 12% return, your money doubles in roughly 72 / 12 = 6 years).