Work out maturity value with compound interest and optional monthly top-ups
₹0
Investment
Interest
| Year | Investment | Interest Earned | Total Value |
|---|---|---|---|
| 1 | ₹1,00,000 | ₹8,000 | ₹1,08,000 |
| 2 | ₹1,00,000 | ₹16,640 | ₹1,16,640 |
| 3 | ₹1,00,000 | ₹25,971 | ₹1,25,971 |
| 4 | ₹1,00,000 | ₹36,049 | ₹1,36,049 |
| 5 | ₹1,00,000 | ₹46,933 | ₹1,46,933 |
Projects how a lump sum grows when interest is reinvested each period. You can add an optional monthly contribution — that part uses a standard SIP formula at the annual rate divided by 12.
Principal compounds as A = P × (1 + r/n)^(n×t). Monthly contributions, if any, are added on top using future value of an ordinary annuity.
A = P(1 + r/n)^(nt)
Example: ₹1 lakh at 8% for 5 years, compounded yearly → maturity about ₹1,46,933, interest about ₹46,933.
More compounding periods in a year raise the effective return slightly on the same quoted annual rate. Bank FDs are often quarterly; many mutual funds accrue daily. Pick the frequency that matches the product you are comparing.
Simple interest is charged only on the original principal. Compound interest builds on prior interest, so the gap widens over longer tenures — that is why the year-by-year table curves upward.
Tax on interest (TDS on FDs, capital gains on funds), exit loads, and inflation are not deducted. Returns are flat — they do not change year to year. Use your own rate assumption; past performance of any scheme is not a guarantee.
Check whether your bank quotes simple or compound interest and the exact compounding cycle. For SIPs, confirm whether instalments are at month-start or month-end — this tool assumes end-of-month contributions.
Disclaimer: Figures are estimates. Actual maturity depends on the product, tax treatment, and whether the rate stays constant.
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