Compound Interest Calculator
చక్రవడ్డీ కాలిక్యులేటర్
Compound interest calculator: how money grows when interest earns interest, from yearly to daily compounding.
చక్రవడ్డీ కాలిక్యులేటర్: వడ్డీ మీద వడ్డీతో డబ్బు ఎలా పెరుగుతుంది, ఏడాదికోసారి నుంచి రోజువారీ వరకు, సూత్రంతో సహా.
Your result
Maturity amount మెచ్యూరిటీ మొత్తం
2.16 lakh rupees
- Principalఅసలు
- ₹1,00,000
- Interestచక్రవడ్డీ
- ₹1,15,892
- Effective yearly rate
- 8%
Compounding earns ₹35,892 more than simple interest (₹80,000) on the same money.
Year by year ఏడాదివారీగా
- Principal
- Interest
Use the left and right arrow keys to read each year; the table below lists every value.
Show the year-by-year table
| Year | Interest so far | Value |
|---|---|---|
| 1 | ₹8,000 | ₹1,08,000 |
| 2 | ₹16,640 | ₹1,16,640 |
| 3 | ₹25,971 | ₹1,25,971 |
| 4 | ₹36,049 | ₹1,36,049 |
| 5 | ₹46,933 | ₹1,46,933 |
| 6 | ₹58,687 | ₹1,58,687 |
| 7 | ₹71,382 | ₹1,71,382 |
| 8 | ₹85,093 | ₹1,85,093 |
| 9 | ₹99,900 | ₹1,99,900 |
| 10 | ₹1,15,892 | ₹2,15,892 |
How is compound interest calculated?
Interest is added to the principal at every compounding date, and the next interest is worked out on the larger amount, so interest earns interest:
A = P × (1 + r ÷ n) n × T
P is the principal, r the yearly rate (8% = 0.08), n the number of times interest is added in a year and T the years. The interest is A − P.
Example: ₹1,00,000 at 8% for 10 years grows to ₹2,15,892 with yearly compounding and to ₹2,20,804 with quarterly compounding: an effective 8.24% a year.
Compound interest on ₹1 lakh: yearly, quarterly or monthly
What ₹1,00,000 grows to at 8% a year, against simple interest (no interest on interest):
| After | Simple interest బారువడ్డీ | Yearly | Quarterly | Monthly |
|---|---|---|---|---|
| 5 years | ₹1,40,000 | ₹1,46,933 | ₹1,48,595 | ₹1,48,985 |
| 10 years | ₹1,80,000 | ₹2,15,892 | ₹2,20,804 | ₹2,21,964 |
| 15 years | ₹2,20,000 | ₹3,17,217 | ₹3,28,103 | ₹3,30,692 |
| 20 years | ₹2,60,000 | ₹4,66,096 | ₹4,87,544 | ₹4,92,680 |
Compound interest on a family loan (చక్రవడ్డీ)
A family loan with compound interest is often quoted in rupees: ₹1 per ₹100 a month is 12% a year, ₹2 is 24%. Choose "₹ per ₹100 a month" above, and "Yearly" if the interest is added to the loan once a year. ₹1,00,000 at ₹2 with the interest added every year grows to ₹2,93,163 in 5 years, against ₹2,20,000 with simple interest.
చక్రవడ్డీ సూత్రం (ఫార్ములా)
చక్రవడ్డీ అంటే వడ్డీ మీద వడ్డీ: ప్రతి కాలానికి వచ్చిన వడ్డీని అసలుకు కలిపి, తర్వాతి వడ్డీని ఆ పెరిగిన మొత్తంపై లెక్కిస్తారు. మొత్తం A = P × (1 + r ÷ n)n × T: P అసలు, r ఏడాది వడ్డీ రేటు, n ఏడాదిలో ఎన్నిసార్లు కలుపుతారు, T ఏళ్లు. ఉదాహరణకు ₹1 లక్షకు 8% వడ్డీ, ఏడాదికోసారి కలిపితే 10 ఏళ్లలో ₹2,15,892 అవుతుంది. అసలు మీద మాత్రమే వడ్డీ అయితే వడ్డీ కాలిక్యులేటర్ చూడండి.
Questions
What is the effective yearly rate?
The yearly rate that would pay the same with interest added once a year. The more often interest is added, the higher it is: 8% compounded quarterly is 8.24% a year, monthly 8.3%.
How often do banks compound?
Fixed and recurring deposits compound every quarter. Use the FD and RD calculators for bank deposits.
Compound interest with a deposit every month?
This calculator grows one amount. For a deposit every month, use the RD calculator; for a monthly mutual fund investment, the SIP calculator.
What next? తర్వాత ఏం చూడాలి
See all calculators →Results are estimates for planning, at the rates you enter. Check exact figures with your bank, fund house or tax adviser before you decide.
