Calculate simple interest (I = P × r × t) and the maturity amount on a principal for a term in years, months or days.
Actualizado Ejemplos verificados: 5
At 6% simple interest, $10,000.00 earns $600.00 a year, so $1,800.00 over the term. Compounding yearly at the same rate would give $110.16 more.
| Period | Interest in period | Interest so far | Saldo |
|---|---|---|---|
| Year 1 | $600.00 | $600.00 | $10,600.00 |
| Year 2 | $600.00 | $1,200.00 | $11,200.00 |
| Year 3 | $600.00 | $1,800.00 | $11,800.00 |
Rounded half-to-even to 2 decimals for display only.
Simple interest is paid only on the original principal: I = P × r × t, where r is the yearly rate as a decimal and t the time in years. A term in months is divided by 12, and a term in days by 365 (actual/365) or by 360, the banker's year some lenders and money markets use. The amount due at maturity is A = P(1 + rt).
With the defaults, 10,000 at 6% for 3 years earns 600 a year and 1,800 in total, for a maturity amount of 11,800. Compounded yearly at the same rate, the same deposit would reach 11,910.16, which is 110.16 more.
Interest here never earns interest of its own. Savings accounts and most deposits compound, so use the compound interest calculator for them; simple interest suits short loans, flat-rate quotes and interest accrued between coupon dates.
Fuente de comprobación: 10000 × 0.06 × 3 by hand; 10000 × 1.06³ = 11910.16 (Python decimal)
Fuente de comprobación: 5000 × 0.08 × 9/12 by hand
Fuente de comprobación: 20000 × 0.075 × 90/365 = 369.8630… (Python decimal)
Fuente de comprobación: 20000 × 0.075 × 90/360 by hand
Multiply the principal by the yearly rate and by the time in years: I = P × r × t. 10,000 at 6% for 3 years earns 10,000 × 0.06 × 3 = 1,800, so 11,800 is repaid. For a term in months, divide by 12 first: 5,000 at 8% for 9 months earns 5,000 × 0.08 × 9/12 = 300.
Divide the days by the day-count basis before multiplying. 20,000 at 7.5% for 90 days earns 20,000 × 0.075 × 90/365 = 369.86 on an actual/365 basis, and 375.00 on a 360-day banker's year. Excel's ACCRINTM function uses basis 3 for actual/365 and basis 2 for actual/360.
Rearrange I = P × r × t. The rate is r = I ÷ (P × t): earning 1,800 on 10,000 over 3 years means 1,800 ÷ 30,000 = 6% a year. The time is t = I ÷ (P × r): earning 3,000 on 10,000 at 6% takes 3,000 ÷ 600 = 5 years.
For a borrower, yes; for a saver, no. Simple interest grows in a straight line, while compound interest also earns interest on interest. On 10,000 at 6%, the gap is only 110.16 after 3 years (1,800 against 1,910.16), but after 20 years simple interest totals 12,000 while yearly compounding adds 22,071.35.
La precisión depende de tus datos y de los supuestos del método. El cálculo decimal usa 50 cifras significativas, pero las estimaciones, los métodos numéricos y los datos de origen pueden ser menos precisos; el redondeo mostrado no elimina esos límites. Ejemplos resueltos comprobados con fuentes independientes: 5. Por ejemplo, «10,000 at 6% for 3 years» se comprueba con 10000 × 0.06 × 3 by hand; 10000 × 1.06³ = 11910.16 (Python decimal).
OpenStax Prealgebra 2e — Simple Interest Applications (I = Prt); Brealey, Myers & Allen — Principles of Corporate Finance, ch. 2 (simple vs compound interest); Microsoft Excel ACCRINTM function (simple interest accrued to maturity, basis 2 = actual/360, 3 = actual/365).
Solo para planificar. Prestamistas, autoridades fiscales y mercados aplican sus propios redondeos, comisiones y reglas; confirma las cifras con ellos antes de comprometerte.
Esta calculadora incluye 5 ejemplos resueltos con respuestas de fuentes independientes. Forman parte del conjunto de pruebas y también puedes ejecutarlos aquí.
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