Compound Interest Calculator
Project portfolio growth with institutional-grade market assumptions.
Deposit Timing
Tip: Consistent deposits can materially change long-term outcomes. Compare contribution size, timing, and return assumptions together.
• Compounding frequency changes the mathematics, but contribution behavior usually matters more over long horizons.
• Inflation-adjusted value is often the more honest number for retirement or long-term planning.
• Tax is estimated on gains only. Actual tax treatment depends on product type, holding period, and jurisdiction.
Projected Value
₹31.0L
+209.75% vs total invested
Total Invested
₹10.0L
Starting balance + deposits
Net Growth
₹21.0L
Gain above total invested
After-Tax Value
₹28.9L
Estimated tax on gains: ₹2.1L
Real After-Tax Value
₹13.9L
Adjusted for 5.00% inflation
Goal Progress
62%
Target: ₹50.0L
Projection Growth
Projected portfolio value vs total amount invested
Portfolio Composition
Projected
mix
Estimated Yearly Gain / Loss
Year 1: ₹16.1K
Year 15: ₹3.4L
Yearly Growth Breakdown
| Year | Starting Bal. | Annual Deposit | Interest | Ending Balance |
|---|---|---|---|---|
| Year 1 | ₹1,00,000 | ₹60,000 | +₹16,095 | ₹1,76,095 |
| Year 2 | ₹1,76,095 | ₹60,000 | +₹25,746 | ₹2,61,841 |
| Year 3 | ₹2,61,841 | ₹60,000 | +₹36,620 | ₹3,58,461 |
| Year 4 | ₹3,58,461 | ₹60,000 | +₹48,874 | ₹4,67,336 |
| Year 5 | ₹4,67,336 | ₹60,000 | +₹62,682 | ₹5,90,018 |
Tip: Use the yearly table to compare how deposits and investment gains contribute to each ending balance.