Compound Interest and SIP Calculator with Charts

You earn interest on your original money and on the interest already added, so growth accelerates over time. The projection shows this year by year and splits what you contributed from what interest produced.

You can compound yearly, quarterly, monthly, or daily. Your annual rate is divided by the number of periods per year, so more frequent compounding ends slightly higher at the same rate; the frequency also sets how often each contribution is added.

Enter a realistic long-run annual return for where the money would actually sit, such as a savings rate or an index fund average. It is used as a fixed assumption for every year, so the chart is a plan, not a promise; real markets swing year to year.

Growth is exponential, so your money doubles on a fixed cadence. The insight card shows the exact number of years for your starting amount to double at your rate and frequency (roughly 72 divided by the rate), and a longer horizon lets every contribution pass through more of those cycles.