이자 계산기
단리 또는 복리로 최종 금액과 이자를 구합니다. 복리는 연, 반기, 분기, 월, 일 단위로 고를 수 있습니다.
결과
값을 입력하고 계산을 누르면 결과가 표시됩니다.
공식
Simple interest: principal × yearly rate (as a decimal) × years.
Compound interest: the rate is split over n periods a year, and interest earns interest.
이 계산기 사용법
- Choose simple or compound interest and enter the starting amount, the yearly rate in % and the time in years.
- For compound interest, choose how often interest is added. Money is shown to 2 decimal places.
풀이 예제
1000 at 5% a year for 3 years, compounded yearly
r = 5% = 0.05, n = 1 and nt = 3.
A = 1000 × 1.05³ = 1157.625, which rounds to 1157.63.
Interest = 1157.63 − 1000 = 157.63; the effective annual rate is exactly 5%.
자주 묻는 질문
What is the difference between simple and compound interest?
Simple interest is only paid on the starting amount. Compound interest is also paid on interest already added, so it grows faster.
What is the effective annual rate?
The rate you really earn in a year once compounding is included — also called the APY. Monthly compounding at 5% gives about 5.1162%.