Calculator
Simple Interest Calculator
Interest = principal × rate × time. No compounding, linear growth.
dhanmetrics.com · Educational illustration only · Not investment advice
Final amount at year 5
₹1,40,000
Linear growth · same ₹8.0K/year, every year
What this means
Simple interest is the textbook formula: ₹1.0L × 8.0% × 5 years = ₹40.0K earned. Compounded at the same rate it would have been ₹1.5L — that ₹6.9K difference is the cost of NOT compounding. Most real-world instruments (FD, PPF, equity SIP) compound; simple interest is rare today (some short-term loans, some Govt bonds).
What if you…
Compounded at the same rate
₹1.5L
+₹6.9K
Stayed 10 years instead of 5
₹1.8L
+₹40.0K
Got a 10.0% rate (+2%)
₹1.5L
+₹10.0K
Educational illustration. Simple interest grows linearly — interest earned does NOT itself earn interest. Most modern financial products compound, which is dramatically more rewarding over longer horizons.
Adjust your scenario
Type, drag, or tap a chip — the result on the right updates instantly.
Inputs
Quick interest math, no compounding.
Use decimals for partial years (e.g. 2.5 for 2.5 years).
Growth chart