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Calculate exact wealth accumulation with 365-day compounding, flexible Years + Months + Days duration, uncapped APR simulation (0% to 1000%+), and Year → Month → Day drill-down schedule.
Compounded 365 times a year. Daily rate is 0.0274% per day.
Total Maturity Amount
+64.9% ReturnGrown over 1825 days (5.00 years) with daily continuous compounding
Total Invested
Initial lump sum deposit
Total Interest Earned
Compound interest gain
How daily compounding compares to other frequencies on an initial ₹1,00,000 deposit:
| Frequency | Times/Yr | Maturity Value | Effective APY | Extra vs Annual |
|---|---|---|---|---|
| Daily | 365 | ₹1,64,861 | 10.516% | +₹3,810 |
| Monthly | 12 | ₹1,64,531 | 10.471% | +₹3,480 |
| Quarterly | 4 | ₹1,63,862 | 10.381% | +₹2,811 |
| Half-Yearly | 2 | ₹1,62,889 | 10.250% | +₹1,838 |
| Annually | 1 | ₹1,61,051 | 10.000% | Baseline |
Click to drill down: Year → Month → Day to view daily interest credits and compounding balances.
| Timeline (Click to Drill-Down) | Invested Capital | Interest (Period / Daily) | Closing Balance |
|---|---|---|---|
| ₹1,00,000 | +₹10,516 | ₹1,10,516 | |
| ₹1,00,000 | +₹853 | ₹1,00,853 | |
Day 1(Day 1 of 1825) | ₹1,00,000 | +₹27 | ₹1,00,027 |
Day 2(Day 2 of 1825) | ₹1,00,000 | +₹27 | ₹1,00,055 |
Day 3(Day 3 of 1825) | ₹1,00,000 | +₹27 | ₹1,00,082 |
Day 4(Day 4 of 1825) | ₹1,00,000 | +₹27 | ₹1,00,110 |
Day 5(Day 5 of 1825) | ₹1,00,000 | +₹27 | ₹1,00,137 |
Day 6(Day 6 of 1825) | ₹1,00,000 | +₹27 | ₹1,00,164 |
Day 7(Day 7 of 1825) | ₹1,00,000 | +₹27 | ₹1,00,192 |
Day 8(Day 8 of 1825) | ₹1,00,000 | +₹27 | ₹1,00,219 |
Day 9(Day 9 of 1825) | ₹1,00,000 | +₹27 | ₹1,00,247 |
Day 10(Day 10 of 1825) | ₹1,00,000 | +₹27 | ₹1,00,274 |
Day 11(Day 11 of 1825) | ₹1,00,000 | +₹27 | ₹1,00,302 |
Day 12(Day 12 of 1825) | ₹1,00,000 | +₹27 | ₹1,00,329 |
Day 13(Day 13 of 1825) | ₹1,00,000 | +₹27 | ₹1,00,357 |
Day 14(Day 14 of 1825) | ₹1,00,000 | +₹27 | ₹1,00,384 |
Day 15(Day 15 of 1825) | ₹1,00,000 | +₹28 | ₹1,00,412 |
Day 16(Day 16 of 1825) | ₹1,00,000 | +₹28 | ₹1,00,439 |
Day 17(Day 17 of 1825) | ₹1,00,000 | +₹28 | ₹1,00,467 |
Day 18(Day 18 of 1825) | ₹1,00,000 | +₹28 | ₹1,00,494 |
Day 19(Day 19 of 1825) | ₹1,00,000 | +₹28 | ₹1,00,522 |
Day 20(Day 20 of 1825) | ₹1,00,000 | +₹28 | ₹1,00,549 |
Day 21(Day 21 of 1825) | ₹1,00,000 | +₹28 | ₹1,00,577 |
Day 22(Day 22 of 1825) | ₹1,00,000 | +₹28 | ₹1,00,604 |
Day 23(Day 23 of 1825) | ₹1,00,000 | +₹28 | ₹1,00,632 |
Day 24(Day 24 of 1825) | ₹1,00,000 | +₹28 | ₹1,00,660 |
Day 25(Day 25 of 1825) | ₹1,00,000 | +₹28 | ₹1,00,687 |
Day 26(Day 26 of 1825) | ₹1,00,000 | +₹28 | ₹1,00,715 |
Day 27(Day 27 of 1825) | ₹1,00,000 | +₹28 | ₹1,00,742 |
Day 28(Day 28 of 1825) | ₹1,00,000 | +₹28 | ₹1,00,770 |
Day 29(Day 29 of 1825) | ₹1,00,000 | +₹28 | ₹1,00,798 |
Day 30(Day 30 of 1825) | ₹1,00,000 | +₹28 | ₹1,00,825 |
Day 31(Day 31 of 1825) | ₹1,00,000 | +₹28 | ₹1,00,853 |
| ₹1,00,000 | +₹777 | ₹1,01,629 | |
| ₹1,00,000 | +₹867 | ₹1,02,496 | |
| ₹1,00,000 | +₹846 | ₹1,03,342 | |
| ₹1,00,000 | +₹881 | ₹1,04,223 | |
| ₹1,00,000 | +₹860 | ₹1,05,083 | |
| ₹1,00,000 | +₹896 | ₹1,05,979 | |
| ₹1,00,000 | +₹904 | ₹1,06,883 | |
| ₹1,00,000 | +₹882 | ₹1,07,765 | |
| ₹1,00,000 | +₹919 | ₹1,08,684 | |
| ₹1,00,000 | +₹897 | ₹1,09,581 | |
| ₹1,00,000 | +₹935 | ₹1,10,516 | |
| ₹1,00,000 | +₹11,621 | ₹1,22,137 | |
| ₹1,00,000 | +₹12,843 | ₹1,34,980 | |
| ₹1,00,000 | +₹14,194 | ₹1,49,174 | |
| ₹1,00,000 | +₹15,687 | ₹1,64,861 |
While most long-term retail fixed deposits in India compound quarterly, daily compounding is deeply ingrained in Indian banking rules, short-term debt instruments, and credit facilities:
Prior to April 1, 2010, Indian banks paid interest on the minimum balance between the 10th and month-end. The RBI mandated that banks compute savings interest on a daily product basis based on end-of-day balances.
Sweep-in accounts automatically move idle funds above a threshold (e.g. ₹25,000) into short-term fixed deposits. Interest accrues daily at FD rates (6.5%–7.5%) while retaining instant liquidity for ATM withdrawals and UPI transactions.
If the credit card statement balance is not paid in full, interest-free periods vanish. Finance charges of 3.0%–3.75% per month (42%–52% p.a.) compound daily from the transaction date on all past and new purchases.
Overnight mutual funds invest in 1-day Tri-Party Repos (TREPS) maturing next morning. Liquid funds accrue yield continuously across all 365 days of the year, including Saturdays, Sundays, and market holidays.
Business overdraft and cash credit facilities charge interest strictly on the utilized negative balance calculated at day end. Depositing surplus daily cash reduces interest burden instantly.
Many modern Web3 staking protocols, automated market makers (AMMs), and yield aggregators compound reward distributions on a per-block or daily basis, magnifying APY through continuous compounding.
The Rule of 72 gives a swift mental estimate of how many years it takes for your investment to double at a given rate:
At 10% annual interest, your principal doubles in approximately 7.2 years.
APR (Annual Percentage Rate) is the stated annual interest rate without taking compounding into account.
APY (Annual Percentage Yield / EAR) reflects the true annual return earned when daily interest is reinvested. Because of 365 daily compounding cycles, an APR of 10% yields an effective APY of 10.516%.
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