चक्रवृद्धि ब्याज कैलकुलेटर
चक्रवृद्धि ब्याज आसानी से कैलकुलेट करें। मुफ़्त ऑनलाइन CI कैलकुलेटर।
उपयोग कैसे करें
- Enter the principal amount (your initial investment or deposit).
- Set the annual interest rate and the time period in years.
- Select compounding frequency — results update instantly as you adjust sliders.
फॉर्मूला
A = P × (1 + r/n)^(n×t)
Compound Interest (CI) = A − P
Where: P = Principal | r = Annual Rate (decimal) | n = Compounding per year | t = Time in years
उदाहरण गणना
Example: ₹10,000 at 8% p.a. compounded quarterly for 5 years
| Parameter | Value |
|---|---|
| Principal (P) | ₹10,000 |
| Rate (r) | 8% = 0.08 |
| Time (t) | 5 years |
| Frequency (n) | 4 (quarterly) |
| Total Amount (A) | ₹14,859 |
| Compound Interest | ₹4,859 |
अक्सर पूछे जाने वाले प्रश्न
Compound interest is interest calculated on the initial principal AND the accumulated interest from previous periods. It grows exponentially, unlike simple interest which grows linearly.
Simple Interest = P×r×t. Compound interest applies the rate to a growing amount each period, resulting in significantly higher returns over time.
Divide 72 by the annual interest rate to estimate how many years it takes to double your money. At 8% p.a., money doubles in 72÷8 = 9 years.
Yes. More frequent compounding (daily vs annually) results in slightly higher returns. Daily compounding at 8% gives ~8.33% effective annual rate.
EAR = (1 + r/n)ⁿ − 1. It represents the actual annual rate when compounding occurs more than once per year.