Calculate investment growth with daily, monthly or annual compounding. See year-by-year breakdown, Rule of 72 doubling time, and find required investment for your target.
A = P(1 + r/n)^(nt)
P = Principal | r = Annual rate (decimal) | n = Compounding frequency/year | t = Years Continuous: A = Pe^(rt)
★★★★★
"The year-by-year table shows exactly when compounding kicks in. My ₹5 lakh FD barely grew in years 1–3 but the jump in years 7–10 is extraordinary."
Suresh Iyer — Retired engineer, Chennai
★★★★★
"The Rule of 72 feature is a gem. I now tell my team: at 8% return, money doubles in 9 years — so start early. Simple math, powerful lesson."
Nandini Krishnan — Financial trainer, Bangalore
★★★★☆
"The SIP-style monthly addition field helped me see that adding ₹5,000/month to my ₹2 lakh FD triples the corpus in 15 years. Changed my savings plan."
Amit Gupta — IT professional, Noida
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Formula: A = P(1 + r/n)^(nt) where P = Principal, r = Annual rate as decimal, n = Compounding frequency per year, t = Time in years. For continuous compounding: A = Pe^(rt). Example: ₹1,00,000 at 8% monthly for 10 years = 1,00,000 × (1 + 0.08/12)^(12×10) = ₹2,21,964.
What is the difference between simple and compound interest?+
Simple Interest: Only on principal — SI = P × R × T / 100. Linear growth. Compound Interest: On principal + accumulated interest. Exponential growth. For ₹1,00,000 at 8% over 10 years: SI = ₹80,000 (total ₹1,80,000); CI monthly = ₹1,21,964 (total ₹2,21,964). The longer the period, the more dramatically compound interest outperforms.
Which compounding frequency is best?+
More frequent compounding = higher returns, but with diminishing marginal gains. The interest rate matters far more than frequency. A 9% annual rate beats 8% daily compounding. Monthly compounding (used by most FDs and SIPs) is near-optimal for practical purposes.
How do I calculate the Rule of 72?+
Years to double = 72 ÷ Interest Rate (%). Examples: 6% → 12 years; 8% → 9 years; 12% → 6 years. Works best for 3–15% rates. For reverse: to double money in 10 years, you need 72/10 = 7.2% annual return. The Rule of 72 is an approximation — use this calculator for exact results.