Compound Interest Frequency Calculator

Compare how compounding frequency changes final value, and convert APR to APY.

Compound growth

Principal (₹)

Annual rate (%)

Years

APR → APY

Nominal APR (%)

Compounding frequency

Final value by frequency (estimate)

Frequency	n / year	Final value	Interest

Effective annual rate (APY): 0%

APY = (1 + APR/n)ⁿ − 1

What is compounding frequency?

Compounding frequency is how often interest is added to principal within a year. More frequent compounding usually produces a slightly higher effective annual return for the same nominal rate.

Formula

Final amount = P × (1 + r/n)^(n × t)
Effective annual rate (EAR / APY) = (1 + r/n)^n − 1

P = principal, r = annual rate (decimal), n = compounds per year, t = years

Example

₹1,00,000 at 8% for 5 years: monthly compounding grows slightly more than annual compounding. An 8% APR compounded monthly has APY ≈ 8.30%.

FAQ

Is APY the same as advertised bank rate?

Not always. Banks may quote different conventions. This tool shows the standard EAR/APY from nominal APR and frequency.

Does this include taxes or fees?

No. Results are pre-tax, fee-free mathematical estimates.

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