利息计算器
计算单利或复利的最终金额和利息——按年、半年、季度、月或日复利。
结果
输入数值并点击“计算”查看结果。
公式
Simple interest: principal × yearly rate (as a decimal) × years.
Compound interest: the rate is split over n periods a year, and interest earns interest.
如何使用此计算器
- 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.
例题
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%.
常见问题
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%.