Compound Interest
Growth of a deposit with any compounding frequency and regular top-ups.
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How it is calculated
A = P × (1 + r/n)^(n×t)
r is the annual rate as a decimal, n is compounds per year and t is years. Monthly additions are compounded from the month they are paid in.
Worked example
₹1,00,000 at 8% compounded quarterly for 5 years grows to about ₹1,48,595, so the interest earned is ₹48,595.
Questions people ask
Interest that is credited sooner starts earning interest itself. The same 8% earns more when compounded monthly than yearly, though the gap is small at low rates.
Divide 72 by the annual rate for a quick estimate of the years needed to double your money. At 8% that is about 9 years.
Simple interest is always calculated on the original principal. Compound interest is calculated on the principal plus interest already earned, so the balance grows faster over time.