Compound interest means you earn returns on both principal and accumulated gains. The compound interest calculator and SIP calculator help you model that growth — but the output is only as honest as the rate you type.
Compound vs simple interest
Simple interest applies only to the original principal. Compound interest reinvests earnings each period. Long horizons magnify the gap — see the simple interest calculator side by side with compound for the same numbers.
Monthly contributions matter
Regular investing (SIP) adds new principal that also compounds. Missing months or stopping early changes the curve more than a 0.5% fee difference in some scenarios.
Inflation is the silent competitor
Nominal account growth can look impressive while purchasing power barely moves. Use the inflation calculator to stress-test whether your assumption beats long-run inflation.
Reasonable way to pick a return assumption
- Fixed deposits: use published bank rates minus tax if applicable.
- Balanced funds: use long-run real return literature, not one bull year.
- Equity SIP: show a range (conservative / base / optimistic) instead of one heroic percentage.
Regulatory mindset
Marketing often shows compounded projections without equal risk disclosure. CalCulator labels results as estimates. Past performance does not guarantee future results.