Simple interest calculator

Calculate simple interest (I = P × r × t) and the maturity amount on a principal for a term in years, months or days.

Diperbarui 28 September 2026Contoh terverifikasi: 5

Bunga

Tempat desimal: 2; Terdekat, jika berjarak sama menuju digit genap

Total amount: $11,800.00
Interest per year: $600.00
Amount if compounded yearly: $11,910.16

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.

Amount at maturity

Pokok84.7%Bunga15.3%

Balance over time

Simple interestCompounded yearly

Interest by year Baris: 3

Period	Interest in period	Interest so far	Sisa 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

Cara menghitung S

Time in years
$t = 3 = 3$
Bunga
$I = P r t = 10{,}000.00 \times 0.06 \times 3 = 1{,}800.00$
Total amount
$A = P + I = 10{,}000.00 + 1{,}800.00 = 11{,}800.00$
Rounded half-to-even to 2 decimals for display only.

Tentang Simple interest calculator

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.

Contoh penyelesaian

10,000 at 6% for 3 years

Pokok: 10,000
Interest rate (per year): 6%
Waktu: 3
Time in: Tahun

Bunga: 1,800.00
Total amount: 11,800.00
Amount if compounded yearly: 11,910.16

Sumber pemeriksaan: 10000 × 0.06 × 3 by hand; 10000 × 1.06³ = 11910.16 (Python decimal)

5,000 at 8% for 9 months

Pokok: 5000
Interest rate (per year): 8%
Waktu: 9
Time in: Bulan

Bunga: 300.00
Total amount: 5,300.00

Sumber pemeriksaan: 5000 × 0.08 × 9/12 by hand

20,000 at 7.5% for 90 days, actual/365

Pokok: 20,000
Interest rate (per year): 7.5%
Waktu: 90
Time in: Days
Days in a year: 365 (actual/365)

Bunga: 369.86

Sumber pemeriksaan: 20000 × 0.075 × 90/365 = 369.8630… (Python decimal)

Same loan on a 360-day year

Pokok: 20,000
Interest rate (per year): 7.5%
Waktu: 90
Time in: Days
Days in a year: 360 (banker's year)

Bunga: 375.00

Sumber pemeriksaan: 20000 × 0.075 × 90/360 by hand

Pertanyaan

How do you calculate simple interest?

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.

How do you calculate simple interest for a number of days?

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.

How do you find the rate or the time from simple interest?

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.

Is simple interest better than compound interest?

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.

Seberapa akurat “Simple interest calculator”?

Akurasi bergantung pada masukan dan asumsi metode. Aritmetika desimal memakai 50 digit signifikan, tetapi perkiraan, metode numerik dan data sumber bisa kurang presisi; pembulatan yang ditampilkan tidak menghilangkan batasan itu. Contoh penyelesaian yang diperiksa dengan sumber independen: 5. Misalnya, “10,000 at 6% for 3 years” diperiksa dengan 10000 × 0.06 × 3 by hand; 10000 × 1.06³ = 11910.16 (Python decimal).

Dari mana metode ini berasal?

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).

Tentang kalkulator ini

I = P \cdot r \cdot t,\qquad A = P(1 + r t)

Sumber

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)

Hanya untuk perencanaan. Pemberi pinjaman, otoritas pajak dan pasar menerapkan pembulatan, biaya dan aturan sendiri; konfirmasikan angka kepada mereka sebelum membuat komitmen.

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