Kalkulator obrestnih obresti
Enter starting principal, annual rate, years and compounding frequency to see the future value and interest earned.
Ta stran prevaja angleški izvirnik. Računski pogon je isti.
Hiter odgovor
It applies compound interest for the frequency you choose and optionally adds regular contributions if the form supports them.
Primer: 10,000 at 5% compounded annually for 20 years is about 26,533 before tax and fees.
Izračuni sledijo formuli na tej strani; zaokroževanje in enote lahko spremenijo zadnjo števko. Rezultat obravnavajte kot izobraževalno oceno.
* Ocena. Dejanski zneski se lahko razlikujejo glede na predpostavke.
Kaj počne ta kalkulator
It applies compound interest for the frequency you choose and optionally adds regular contributions if the form supports them.
Za koga je
Savers and students who want the growth path, not a product recommendation.
Kako deluje izračun
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.
Formula
A = P(1 + r/n)^(n t)
Predpostavke
- The rate stays constant.
- No tax drag unless you model it yourself.
- Deposits occur on the schedule implied by the fields.
Omejitve
- Not investment advice.
- Inflation and fees are excluded unless you reduce the rate yourself.
Kako uporabiti orodje
- 1Enter principal and annual rate.
- 2Set years and compounding frequency.
- 3Read future value and interest.
Pogosta vprašanja
- 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.