Welcome to the Serrari Compound Interest Calculator

Discover how your money can grow faster over time. Our Compound Interest Calculator helps you see how your savings or investments build up when interest is added to both your original amount and the interest it earns.

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How It Works

The calculator uses the compound interest formula:
A = P × (1 + R ÷ n)^(n × T)

Where:

• A is the final amount (total value after interest).
  
• P is the principal amount (the starting amount).
  
• R is the annual interest rate in percent.
  
• n is how many times interest is compounded per year.
  
• T is the time period in years.

Compound interest means you earn interest on both your original money and the interest it has already earned. Over time, this helps your money grow faster compared to simple interest.

Example

If you invest KES 10,000 at an annual interest rate of 5% for 2 years, compounded monthly (12 times per year):

A = 10,000 × (1 + 0.05 ÷ 12)^(12 × 2)
A = 10,000 × (1.0041667)^24
A ≈ KES 11,049

This means you earn about KES 1,049 in interest after 2 years — slightly more than simple interest, because your interest also earns interest.

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Parameters Explained

• Principal Amount: The amount of money you start with — your initial investment or deposit.
  
• Annual Interest Rate: The percentage your money earns each year.
  
• Time Period: How long the money is invested or borrowed, in years.
  
• Compounding Frequency: How often interest is added to your balance. The more frequently it’s compounded, the faster your money grows.
  
  • Annually: Once per year
    
  • Semi-annually: Twice per year
    
  • Quarterly: Four times per year
    
  • Monthly: Twelve times per year
    
  • Daily: 365 times per year
    
  • Continuous: Interest is added every moment — the fastest growth rate

Try It Out

Enter your details and click Calculate to see how your investment grows. The Serrari Compound Interest Calculator helps you plan your savings goals, compare investment options, and understand how compounding makes your money work harder for you.

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