Compound Savings Calculator

This calculator helps you understand how your savings grow over time with the power of compounding. Whether you’re saving for a big goal or just want to build wealth steadily, compounding makes a huge difference. The earlier you start and the more consistently you contribute, the greater your returns will be.

How to Use

→ Initial Investment (₹): Enter the lump sum amount you’re starting with (e.g., ₹50,000).

→ Monthly Contribution (₹): Enter how much you plan to invest regularly every month (e.g., ₹2,000).

→ Annual Interest Rate (%): Enter the expected yearly return (e.g., 8%).

→ Compounding Frequency: Select how often interest is compounded — yearly, quarterly, or monthly.

→ Investment Duration (Years): Choose how long you plan to invest (e.g., 10 years).

Click Calculate to see your future savings, total invested amount, and interest earned.

Example

If you invest ₹50,000 upfront and add ₹2,000 every month for 10 years at 8% annual return, compounded monthly:  You’ll invest a total of ₹2.90 lakh and end up with ₹3.93 lakh. That’s ₹1.03 lakh earned purely from compounding!

FAQs

Q1: What is compound interest?
Compound interest is “interest on interest.” Your savings grow not only on what you put in, but also on the interest it has already earned.

Q2: How often should I compound for maximum growth?
The more frequent the compounding (e.g., monthly), the faster your money grows. Always prefer monthly if possible.

Q3: What if I skip monthly contributions?
This calculator assumes consistent contributions. Missing contributions will reduce your future value.

Q4: Does this calculator consider taxes?
No, this tool shows pre-tax returns. Actual returns may be lower if your investment is taxable.