Compound Interest Calculator

Compound interest yaani chakravriddhi byaj — byaj par bhi byaj. Yahi wo cheez hai jo chhoti bachat ko saalon me badi rakam bana deti hai. Rakam, byaj dar aur saal daalein, aur dekhein aapka paisa kaise badhta hai.

Simple aur compound me farak

Simple interest me byaj hamesha sirf mool rakam par lagta hai. Compound me byaj mool rakam me jud jaata hai, aur agle saal badi rakam par byaj lagta hai.

Misaal: ₹1 lakh, 10% dar, 20 saal. Simple interest se ₹3 lakh banega. Compound se lagbhag ₹6.7 lakh. Farak dugne se bhi zyada — aur ye farak jitne zyada saal, utna hi badhta jaata hai.

Samay sabse bada khilaadi hai

Compounding me sabse bada asar byaj dar ka nahi, samay ka hota hai. 25 saal ki umar me ₹1 lakh lagane wala, 35 me lagane wale se lagbhag dugna paisa banata hai — bina ek rupaya zyada lagaye. Isi liye kehte hain ki nivesh me sabse achha din "aaj" hota hai.

Rule of 72 — mun me hisaab

Ye ek aasaan tarika hai kisi bhi nivesh ko turant taulne ka, bina calculator ke.

Compounding ulta bhi chalta hai

Yahi taakat aapke khilaaf bhi kaam karti hai. Credit card ka bakaya, ya koi mehnga loan — wahan compounding karza ko tezi se badhati hai. Credit card par sirf "minimum due" bharna isi jaal me phansana hai. Isliye niyam simple hai: nivesh me compounding aapki dost, karze me dushman.

Compounding ka poora fayda kaise lein

• Jaldi shuru karein — ek saal ki deri bhi bada farak karti hai
• Beech me paisa mat nikalein — chain tootne se sabse zyada nuksan hota hai
• Byaj wapas nivesh me jaane dein, kharch mat karein
• Mehnge karze pehle chukayein

Teen asli misaal — number ke saath

Misaal 1 — samay ka asar. ₹1,00,000, 10% saalana. 10 saal me ₹2.59 lakh, 20 saal me ₹6.73 lakh, 30 saal me ₹17.45 lakh. Dhyan dein — pehle 10 saal me ₹1.59 lakh bana, aakhri 10 saal me ₹10.7 lakh. Growth aakhir me tez hoti hai.

Misaal 2 — compounding ki frequency. ₹1,00,000, 10%, 10 saal. Saalana compounding par ₹2,59,374. Quarterly par lagbhag ₹2,68,500. Monthly par lagbhag ₹2,70,700. Ek hi dar, par jitni baar compounding utna zyada.

Misaal 3 — ulta chalta compounding. Credit card par ₹50,000 bakaya, lagbhag 3.5% maasik byaj. Sirf minimum due bharte rahein to 2 saal me aap ₹35,000-40,000 sirf byaj de chuke honge, aur mool rakam lagbhag utni hi khadi rahegi.

Log yahan galti kya karte hain

1. Beech me paisa nikaal lena. Compounding ka asli fayda aakhri saalon me aata hai. Log theek us se pehle nikal jaate hain.
2. Byaj kharch kar dena. Agar aap byaj/dividend nikaal kar kharch kar rahe hain, to compounding ho hi nahi rahi — wo simple interest ban gaya.
3. Bahut oonchi dar maan lena. Calculator me 20% daalna aasaan hai. Asli planning 10-12% par karein — kam maan kar zyada milna achha hai.
4. Mehngai bhool jaana. 30 saal baad ka ₹1 crore aaj ke ₹1 crore jaisa nahi hoga. 6% mehngai par uski asli keemat lagbhag ₹17-18 lakh ke barabar rehti hai.
5. Credit card ka minimum due bharna. Late fee to nahi lagti, par baaki rakam par bhaari byaj chalta rehta hai aur wo agle mahine ke bakaye me jud jaata hai.

Kaam ke do niyam

• Rule of 72: 72 ÷ byaj dar = paisa dugna hone me kitne saal. 8% par lagbhag 9 saal, 12% par lagbhag 6 saal. Mann hi mann hisaab lagane ka sabse tez tareeka.
• Rule of 114: 114 ÷ dar = paisa teen guna hone me kitne saal.

Bharat me kahan kaunsi compounding

• Saalana: kai sarkari yojanaein (NSC, KVP jaise)
• Quarterly: FD, RD aur PPF me sabse aam
• Monthly: kuch scheme aur zyadatar loan
• Daily: savings account ka byaj

Isi liye "7% saalana" aur "7% quarterly compounding" me farak hota hai — doosre me asli yield (effective rate) thoda zyada nikalta hai. Tulna karte waqt hamesha effective rate dekhein.

Ye tools bhi dekh lein

• SIP Calculator · PPF Calculator · FD Calculator
• Rule of 72 · Inflation Impact
• Compound Interest Guide

Aksar pooche jaane wale sawaal