Can I model monthly SIP-style contributions?

Yes. Enter a monthly contribution alongside the starting principal; the result separates your total contributions from the interest they earn.

What is the inflation-adjusted value?

It restates the future value in today's purchasing power using the inflation rate percent you enter, so you can compare the outcome against current prices.

Is my data sent anywhere?

No. The calculation runs entirely in your browser and nothing is uploaded.

What is the compound interest formula?

For a lump sum, A = P × (1 + r/n)^(n × t), where P is the principal, r the annual rate as a decimal, n the compounding periods per year, and t the years. ₹10,000 at 8% compounded monthly for 5 years grows to about ₹14,898.

Compound interest calculator with monthly deposits

Compound interest is interest earned on both the original amount and the interest already added to it.

See how savings grow with compound interest and monthly deposits, choose the compounding frequency, and adjust for tax and inflation. Runs in your browser.

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Last reviewed 30 Oct 2026

Your inputs are saved as a draft in this browser only. Nothing is uploaded.

Jump to result

Result

Future value₹1,94,731.56

Total invested₹1,60,000.00

Interest after tax₹34,731.56

Inflation-adjusted₹1,52,577.27

Growth by year (cumulative)

Period	Contributions	Interest	Balance
Year 1	₹30,000.00	₹1,954.81	₹41,954.81
Year 2	₹60,000.00	₹6,561.86	₹76,561.86
Year 3	₹90,000.00	₹14,041.27	₹1,14,041.27
Year 4	₹1,20,000.00	₹24,631.46	₹1,54,631.46
Year 5	₹1,50,000.00	₹38,590.62	₹1,98,590.62

Principal: ₹10,000.00
Monthly contributions: ₹2,500.00 x 60 months (end of month) = ₹1,50,000.00
Total invested: ₹1,60,000.00
Future value: ₹1,94,731.56
Tax on gains: ₹3,859.06
Interest after tax: ₹34,731.56
Inflation-adjusted value: ₹1,52,577.27

Principal: ₹10,000.00
Monthly contributions: ₹2,500.00 x 60 months (end of month) = ₹1,50,000.00
Total invested: ₹1,60,000.00
Future value: ₹1,94,731.56
Tax on gains: ₹3,859.06
Interest after tax: ₹34,731.56
Inflation-adjusted value: ₹1,52,577.27

How to use it

Enter the principal amount, monthly contribution, and annual interest rate percent.
Set the time period in years and pick a compounding frequency from annually to daily.
Add your inflation rate and tax on gains percent, and choose the currency.
Read the future value, interest after tax, and inflation-adjusted value, then copy or download the result.

Questions

Can I model monthly SIP-style contributions?: Yes. Enter a monthly contribution alongside the starting principal; the result separates your total contributions from the interest they earn.
What is the inflation-adjusted value?: It restates the future value in today's purchasing power using the inflation rate percent you enter, so you can compare the outcome against current prices.
Is my data sent anywhere?: No. The calculation runs entirely in your browser and nothing is uploaded.
What is the compound interest formula?: For a lump sum, A = P × (1 + r/n)^(n × t), where P is the principal, r the annual rate as a decimal, n the compounding periods per year, and t the years. ₹10,000 at 8% compounded monthly for 5 years grows to about ₹14,898.