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Compound Interest

Interest on interest — see how compounding grows your loan or investment

₹
₹1,000₹1,00,00,000
% p.a.
1% p.a.50% p.a.
130
Principal
₹1,00,000
Total Interest Earned
₹81,670
Effective Annual Rate
12.68%
Maturity Amount₹1,81,670
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Principal
Interest
Total₹1,81,67045% returns

Growth over time

ValuePrincipal
₹59,951₹1.20 L₹1.82 LYear 1Year 3Year 5

Year-by-year growth

YearOpening BalanceInterest EarnedClosing Balance
1₹1,00,000₹12,683₹1,12,683
2₹1,12,683₹14,291₹1,26,973
3₹1,26,973₹16,103₹1,43,077
4₹1,43,077₹18,146₹1,61,223
5₹1,61,223₹20,447₹1,81,670

Compounding: every year’s interest is earned on the previous closing balance, so the yearly interest itself keeps growing.

What is Compound Interest?

The Compound Interest is a free online financial planning tool that helps you instantly calculate results based on your inputs. Interest on interest — see how compounding grows your loan or investment. Whether you are planning a new investment, evaluating a loan, or assessing returns, this calculator gives you accurate, real-time results so you can make informed decisions.

How to use VyajPay's Compound Interest?

Simply adjust the sliders or type your values directly into the input fields. All calculations update in real time. The donut chart on the right shows you the visual split between your principal/invested amount and the returns/interest — making it easy to understand how your money works.

01

Adjust the sliders or type values to match your scenario.

02

Watch the donut chart update live — blue arc = your returns.

03

Read the result summary below the inputs for the final numbers.

Why use VyajPay's Compound Interest?

  • Instant calculations with no sign-up required
  • Interactive sliders for quick scenario comparison
  • Visual donut chart to understand principal vs. returns split
  • Accurate Indian financial formulas used by banks and financial institutions
  • Free to use — part of VyajPay's commitment to financial literacy in India

Frequently Asked Questions

The Compound Interest uses the same mathematical formulas as Indian banks and financial institutions. Results are highly accurate for standard scenarios, though actual outcomes may vary due to taxes, fees, or specific terms.

Yes. VyajPay's calculator is fully responsive and works on all screen sizes — phones, tablets, and desktops.

No. All calculators on VyajPay are completely free and require no sign-up or login.

VyajPay is built specifically for Indian lenders and borrowers. Our calculators support Indian rate conventions (per day, per month rates), INR formatting in Lakhs and Crores, and are designed for the Indian financial ecosystem.

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Byaj ka hisab, the Indian way

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