Interest Calculator by Date
Simple or compound interest between two dates, with rates in % a year or ₹ per ₹100 a month, counted in exact days or months and days.
Runs in your browser. Nothing is uploaded.
Empty means today.
How interest between two dates is worked out
Simple interest is amount × yearly rate × time in years. With exact-day counting, time is the number of days between the dates divided by 365, which is how banks, courts and most loan agreements count. 1,00,000 at 12% from 1 January to 1 March 2026 is 59 days, so the interest is 1,00,000 × 12% × 59 ÷ 365 = ₹1,940. The start day is not counted and the end day is, so 1 to 2 January is one day.
"₹2 per ₹100" interest (two-rupee interest)
Private lenders, chit groups and families often quote interest as rupees per hundred per month: "2 rupee interest" means ₹2 on every ₹100 each month. That is 2% a month, or 24% a year. One rupee interest is 12% a year and three rupee interest is 36% a year. Pick "Per month" next to the rate and type the rupee figure as it is.
Months + days counting
Lenders usually count whole calendar months and then the leftover days as a fraction of a 30-day month. From 1 January to 16 April is 3 months and 15 days, so ₹1,00,000 at ₹2 per ₹100 is 3.5 × ₹2,000 = ₹7,000. Exact days would give 105 days × 24% ÷ 365 = ₹6,904. The two methods give different numbers for the same dates; the calculator shows both so you can agree on one before settling.
Simple or compound
Most short private loans and gold loans are simple interest: interest is charged on the original amount only. Fixed deposits and long unpaid loans compound: interest is added to the balance every quarter or year and then earns interest itself. Bank FDs in India usually compound quarterly. For a period that is not a whole number of compounding steps, the calculator uses the standard formula with a fractional power, which is what bank FD calculators do.
Typical uses
Interest owed on a hand loan between the date given and the date returned, interest on a late payment or security deposit, gold loan interest for the days the gold was pledged, FD interest for an odd number of days, and checking a lender's figure before paying.
Privacy
Amounts and dates are worked out in your browser and remembered only on your device. Nothing is sent anywhere.
Related tools
All finance calculators- Gold Price Calculator with Making Charges and GSTFinal bill for gold jewellery from the day's rate: per gram or pavan, 22K or 18K, making charges, GST, hallmark and old gold exchange, with a tola converter.
- Days Between DatesDays, weeks, months, and working days between two dates, with inclusive counting for leave and notice periods.
- EMI CalculatorMonthly EMI, total interest, and a year-by-year schedule. See how a small extra payment ends the loan years early.
- Mortgage CalculatorMonthly payment with taxes and insurance, total interest, and the payoff schedule. Compare 15 vs 30 years side by side.
- Home Loan EMI CalculatorHome loan EMI from the property price and down payment, with prepayment savings and an amortization table.
- Pre-EMI CalculatorPre-EMI interest on an under-construction flat, stage by stage, and how it compares with paying full EMI from the first disbursement.
- Car Loan CalculatorMonthly car payment from the price, down payment, rate, and term. Total interest and payoff schedule included.
- Personal Loan CalculatorMonthly payment and total interest on a personal loan, and how fast extra payments clear it.