Compound Interest Calculator — FDs & Recurring Savings (Nepal)
चक्रवृद्धि ब्याज क्यालकुलेटर
Compound interest calculator for Nepal — bank fixed deposits, recurring deposits and SIP-style monthly savings. See final value and interest earned in NPR.
Interest is compounded per your selection; Nepali banks compound FDs quarterly by default. TDS on interest applies.
About Compound Interest
Compound interest is interest on interest: bank fixed deposits, cooperative savings and long-term mutual-fund-style investing all grow this way. Nepali banks typically compound savings quarterly on FDs; the effective earning depends on the rate, the compounding frequency and the time. This tool supports both a lump sum (FD mode) and monthly recurring deposits (SIP mode) so you can plan either.
How to use — step by step
- Choose Lump sum or Monthly recurring.
- Enter the principal (or monthly deposit), annual rate and years.
- Pick the compounding frequency (usually quarterly for Nepali FDs).
- Press Calculate — final value, interest earned and a year-by-year table appear.
Example — Rs 1,00,000 at 9% quarterly for 5 years
| Lump sum | Rs 1,00,000 | Fixed deposit |
| Final value | ≈ Rs 1,55,933 | at 9% quarterly compounding |
| Interest earned | ≈ Rs 55,933 | before tax |
Frequently asked questions
QHow is compound interest calculated?
A = P (1 + r/n)^(n·t) for lump sums; the tool adds each recurring instalment with its remaining months for SIP mode.
QIs FD interest taxed in Nepal?
Yes — interest income attracts tax deducted at source (TDS) under the Income Tax Act; rates change with Finance Acts, so confirm the current rate with your bank.