Advanced Compound Interest Calculator

Our calculator provides mathematically precise results based on the inputs you provide. It uses standard compound interest formulas and accounts for different compounding frequencies. However, actual investment returns may vary due to factors like changing interest rates, fees, or taxes that aren't accounted for in this simple projection.

Yes, you can use it to understand how debt grows with compound interest. Enter your principal as the loan amount and the interest rate your lender charges. Remember that most loans compound daily or monthly, so select the appropriate frequency.

The more frequently interest compounds, the faster your money grows. Monthly compounding yields better returns than yearly compounding at the same rate because you earn "interest on interest" more often. For example, ₹10,000 at 5% compounded monthly grows to ₹16,470 in 10 years vs. ₹16,289 when compounded yearly.

For more realistic projections, subtract expected inflation from your interest rate. If you expect 2% inflation and 7% returns, use 5% as your rate. This shows your "real" (inflation-adjusted) growth.

APR (Annual Percentage Rate) doesn't account for compounding, while APY (Annual Percentage Yield) does. Our calculator effectively shows APY. For example, 5% APR compounded monthly equals 5.12% APY.

Yes! Simply set your exact start and end dates. The calculator automatically computes fractional years. For example, 1 year and 3 months would be calculated as 1.25 years.

Taxes reduce your effective returns. For taxable accounts, multiply your interest rate by (1 - your tax rate). For example, if you're in the 30% tax bracket with a 6% return, use 6% × 0.7 = 4.2% as your rate.

The CSV export uses the raw date format (YYYY-MM-DD) for better spreadsheet compatibility. Your original dates are preserved in the "Investment Summary" section of the report.