Compound Interest & SIP Calculator
Compounding is easy to say and hard to picture. This shows the split between what you deposit and what your money earns on its own.
Your numbers
₹
₹
%/yr
7% is roughly a long-run equity mutual-fund SIP average; PPF runs near 7.1%, a bank FD lower.
25 yrs
Result — with the workings shown
Final balance
₹43.37 L
after 25 years
You put in
₹15.5 L
deposits, principal only
Growth earned
₹27.87 L
64% of the final balance
How this is worked out
You start with ₹50,000 and add ₹5,000/month. At 7.0%/yr compounding monthly, that grows to ₹43.37 L after 25 years. Of that, ₹15.5 L is money you actually deposited — the remaining ₹27.87 L is growth your money earned on its own, which is the part compounding is supposed to do for you.
Your contributionsGrowth earned
Year-by-year balance
| Year | Contributed | Growth | Balance |
|---|---|---|---|
| Year 1 | ₹1,10,000 | ₹5,577 | ₹1,15,577 |
| Year 2 | ₹1,70,000 | ₹15,895 | ₹1,85,895 |
| Year 3 | ₹2,30,000 | ₹31,297 | ₹2,61,297 |
| Year 4 | ₹2,90,000 | ₹52,149 | ₹3,42,149 |
| Year 5 | ₹3,50,000 | ₹78,846 | ₹4,28,846 |
| Year 6 | ₹4,10,000 | ₹1,11,810 | ₹5,21,810 |
| Year 7 | ₹4,70,000 | ₹1,51,495 | ₹6,21,495 |
| Year 8 | ₹5,30,000 | ₹1,98,385 | ₹7,28,385 |
| Year 9 | ₹5,90,000 | ₹2,53,003 | ₹8,43,003 |
| Year 10 | ₹6,50,000 | ₹3,15,907 | ₹9,65,907 |
| Year 11 | ₹7,10,000 | ₹3,87,696 | ₹10,97,696 |
| Year 12 | ₹7,70,000 | ₹4,69,011 | ₹12,39,011 |
| Year 13 | ₹8,30,000 | ₹5,60,542 | ₹13,90,542 |
| Year 14 | ₹8,90,000 | ₹6,63,027 | ₹15,53,027 |
| Year 15 | ₹9,50,000 | ₹7,77,259 | ₹17,27,259 |
| Year 16 | ₹10,10,000 | ₹9,04,085 | ₹19,14,085 |
| Year 17 | ₹10,70,000 | ₹10,44,418 | ₹21,14,418 |
| Year 18 | ₹11,30,000 | ₹11,99,232 | ₹23,29,232 |
| Year 19 | ₹11,90,000 | ₹13,69,575 | ₹25,59,575 |
| Year 20 | ₹12,50,000 | ₹15,56,570 | ₹28,06,570 |
| Year 21 | ₹13,10,000 | ₹17,61,420 | ₹30,71,420 |
| Year 22 | ₹13,70,000 | ₹19,85,417 | ₹33,55,417 |
| Year 23 | ₹14,30,000 | ₹22,29,943 | ₹36,59,943 |
| Year 24 | ₹14,90,000 | ₹24,96,483 | ₹39,86,483 |
| Year 25 | ₹15,50,000 | ₹27,86,629 | ₹43,36,629 |