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Simple Interest & Compound Interest Calculator – Total Amount, Interest & Schedule (Free Online)

Simple Interest & Compound Interest Calculator

Use this free Interest Calculator to compute Simple Interest (SI) and Compound Interest (CI). Get total maturity amount, interest earned, Effective Annual Rate (EAR), and a full compounding schedule with CSV export. 100% browser-based.

Interest Calculator

How This Interest Calculator Works

  • Simple Interest (SI): SI = P×R×T ÷ 100. Interest grows linearly.
  • Compound Interest (CI): CI = P×(1+r/n)^(n×t) − P. Balance grows exponentially with compounding.
  • EAR: Shows true annual rate after compounding effect.
  • Schedule: For compound interest, see balance after each compounding period.

FAQ – Interest Calculator

What is the difference between SI and CI?

Simple interest adds only on the principal; compound interest also earns on previously accumulated interest.

Can I choose daily compounding?

Yes. Select “Daily” frequency (365 times per year).

What is the Effective Annual Rate?

EAR reflects the annual return after considering compounding within the year.

Does the tool work offline?

Yes. It runs fully in your browser with no internet or server needed after loading.

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