Калкулатор за сложна лихва
Enter starting principal, annual rate, years and compounding frequency to see the future value and interest earned.
Тази страница превежда английския оригинал. Изчислителният механизъм е същият.
Бърз отговор
It applies compound interest for the frequency you choose and optionally adds regular contributions if the form supports them.
Пример: 10,000 at 5% compounded annually for 20 years is about 26,533 before tax and fees.
Изчисленията следват формулата на тази страница; закръгляването и мерните единици могат да променят последната цифра. Приемайте резултата като образователна оценка.
* Оценка. Реалните суми могат да се различават според допусканията.
Какво прави този калкулатор
It applies compound interest for the frequency you choose and optionally adds regular contributions if the form supports them.
За кого е
Savers and students who want the growth path, not a product recommendation.
Как работи изчислението
Each period the rate is r/n. After nt periods the balance is P(1+r/n)^(nt), plus any contribution schedule on the form.
Формула
A = P(1 + r/n)^(n t)
Предположения
- The rate stays constant.
- No tax drag unless you model it yourself.
- Deposits occur on the schedule implied by the fields.
Ограничения
- Not investment advice.
- Inflation and fees are excluded unless you reduce the rate yourself.
Как да използвате инструмента
- 1Enter principal and annual rate.
- 2Set years and compounding frequency.
- 3Read future value and interest.
ЧЗВ
- What is the Rule of 72?
- 72 divided by the annual rate roughly estimates years to double. It is an approximation, not this calculator’s output.
- Daily vs monthly?
- More frequent compounding earns slightly more at the same nominal annual rate.