| अवधि | सुरु रकम | थप रकम | ब्याज | अन्त्य रकम |
|---|
चक्रीय ब्याज भनेको ब्यागमा ब्याज — पहिलेको ब्याजमाथि पनि ब्याज लाग्ने भएकाले अवधि लामो हुँदा रकम साधारण ब्याजभन्दा धेरै बढ्छ।
Free compound interest calculator: enter a principal, an annual interest rate and a period in years, pick how often the interest compounds, optionally add a fixed amount every month or year, and instantly see the maturity amount, your total invested amount, the total compound interest earned, the effective annual rate, and a year-by-year balance table. It uses the standard formula A = P(1 + r/n)n·t, where n is the number of times interest is added per year.
Compound interest is "interest on interest" — each period's interest is added to the balance so the next period earns interest on a larger amount. That is why the same rate grows your money faster than simple interest, which is only ever charged on the original principal. The more often interest compounds — yearly, half-yearly, quarterly, monthly or daily — the higher the final amount, and this calculator lets you compare them side by side.
रु १,००,००० at 10% for 5 years:
| तरिका (Method) | ब्याज (Interest) | अन्तिम रकम (Amount) |
|---|---|---|
| साधारण ब्याज — Simple | रु ५०,००० | रु १,५०,००० |
| वार्षिक चक्रीय — Yearly compound | रु ६१,०५१ | रु १,६१,०५१ |
| त्रैमासिक चक्रीय — Quarterly | रु ६३,८६२ | रु १,६३,८६२ |
| मासिक चक्रीय — Monthly | रु ६४,५३१ | रु १,६४,५३१ |
1. Enter the principal — the amount you deposit or invest today.
2. Enter the annual interest rate in percent (e.g. 10).
3. Enter the time period in years — decimals like 2.5 are allowed.
4. Choose the compounding frequency. Fixed deposits in Nepal usually compound quarterly; savings accounts often monthly.
5. Optionally add a regular addition — a fixed amount you keep adding monthly or yearly on top of your starting balance (e.g. start with रु १,००० and add रु १,००० every month). Leave it blank if you are not making regular additions.
6. The maturity amount, total invested, interest, effective rate and full balance table update instantly as you type.
Everything runs in your browser — nothing you enter is sent to or stored on any server.
For bank fixed deposits with quarterly compounding, use the FD Calculator. To grow money with a fixed monthly deposit, try the SIP Calculator. On the borrowing side, the EMI Calculator and Loan Calculator show how the same compounding works against you on a loan.
A = P(1 + r/n)n·t, where P is the principal, r is the annual rate as a decimal, n is how many times interest compounds per year, and t is the number of years. The compound interest earned is A − P.
Simple interest is always calculated on the original principal only, so it grows in a straight line. Compound interest is added to the balance each period, so later interest is earned on earlier interest — it grows faster, and the gap widens the longer you stay invested.
The more often interest compounds, the more you earn from the same rate. At 10%, one lakh over five years grows to about रु १,६१,०५१ compounded yearly but रु १,६४,५३१ compounded monthly. The effective annual rate shown in the results captures this difference.
The effective annual rate is the true yearly rate once compounding is taken into account: EAR = (1 + r/n)n − 1. A 10% rate compounded quarterly has an EAR of about 10.38%, so it is what you actually earn in a year.
Yes. Enter a regular addition and choose monthly or yearly, and the calculator keeps adding that amount on top of your starting balance — each addition then earns compound interest for the time it stays invested. For example, starting with रु १,००० and adding रु १,००० every month at 10% for 5 years grows to far more than the principal alone, and the balance table shows how much of the growth is your own deposits versus interest.
No. The calculation happens entirely in your browser. Nothing you enter is sent to our servers.