Як розрахувати Compound Interest
Що таке Compound Interest?
Compound interest calculates interest on both the initial principal and the previously accumulated interest. Unlike simple interest (which only grows on the principal), compound interest grows exponentially — your interest earns interest. Einstein reportedly called it "the eighth wonder of the world."
Покрокова інструкція
- 1Start with your principal amount P
- 2Determine the annual rate r and how often it compounds (n times per year)
- 3Apply the formula: A = P(1 + r/n)^(nt)
- 4The difference A − P is the total interest earned
Розв'язані приклади
Введення
$1,000 at 5% for 10 years (annual)
Результат
$1,628.89
1000(1.05)¹⁰ — earned $628.89 interest
Введення
$1,000 at 5% for 10 years (monthly)
Результат
$1,647.01
Monthly compounding earns $18.12 more
Введення
$5,000 at 7% for 20 years (annual)
Результат
$19,348.42
Nearly 4× the initial investment
Введення
$100/month for 30 years at 8%
Результат
$149,035.94
Total invested: $36,000. Interest: $113,035
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