CalcOpenly
मराठी

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.

अद्यतनित तपासलेली उदाहरणे: ५

$
%
वापरून पाहा
व्याज
$
व्याज: $1,800.00
दशांश स्थाने: २; जवळचे मूल्य; समान अंतरावर सम अंकाकडे
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

$11.8Kat maturity
मुद्दल84.7%व्याज15.3%

Balance over time

$10K$10.5K$11K$11.5K0123Years
Simple interestCompounded yearly
Interest by year ओळी: ३
PeriodInterest in periodInterest so farबाकी रक्कम
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
गणना कशी केली जाते S

  1. Time in years

    t=3=3t = 3 = 3

  2. व्याज

    I=Prt=10,000.00×0.06×3=1,800.00I = P r t = 10{,}000.00 \times 0.06 \times 3 = 1{,}800.00

  3. Total amount

    A=P+I=10,000.00+1,800.00=11,800.00A = P + I = 10{,}000.00 + 1{,}800.00 = 11{,}800.00

    Rounded half-to-even to 2 decimals for display only.

Simple interest calculator बद्दल

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.

सोडवलेली उदाहरणे

10,000 at 6% for 3 years

मुद्दल
10,000
Interest rate (per year)
6%
वेळ
3
Time in
वर्षे
व्याज
1,800.00
Total amount
11,800.00
Amount if compounded yearly
11,910.16

पडताळणीचा स्रोत: 10000 × 0.06 × 3 by hand; 10000 × 1.06³ = 11910.16 (Python decimal)

5,000 at 8% for 9 months

मुद्दल
5000
Interest rate (per year)
8%
वेळ
9
Time in
महिने
व्याज
300.00
Total amount
5,300.00

पडताळणीचा स्रोत: 5000 × 0.08 × 9/12 by hand

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

मुद्दल
20,000
Interest rate (per year)
7.5%
वेळ
90
Time in
Days
Days in a year
365 (actual/365)
व्याज
369.86

पडताळणीचा स्रोत: 20000 × 0.075 × 90/365 = 369.8630… (Python decimal)

Same loan on a 360-day year

मुद्दल
20,000
Interest rate (per year)
7.5%
वेळ
90
Time in
Days
Days in a year
360 (banker's year)
व्याज
375.00

पडताळणीचा स्रोत: 20000 × 0.075 × 90/360 by hand

प्रश्न

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.

“Simple interest calculator” किती अचूक आहे?

अचूकता तुमच्या इनपुटवर आणि पद्धतीच्या गृहीतकांवर अवलंबून असते. दशांश गणना 50 सार्थ अंक वापरते, पण अंदाज, संख्यात्मक पद्धती आणि मूळ डेटा कमी अचूक असू शकतात; दाखवलेल्या मूल्यांचे पूर्णांकन केल्याने या मर्यादा दूर होत नाहीत. स्वतंत्र स्रोतांतील सोडवलेल्या उदाहरणांशी पडताळणी: ५. उदाहरणार्थ, “10,000 at 6% for 3 years” ची पडताळणी 10000 × 0.06 × 3 by hand; 10000 × 1.06³ = 11910.16 (Python decimal) याच्याशी केली आहे.

या पद्धतीचा स्रोत कोणता?

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).

या कॅल्क्युलेटरबद्दल

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

स्रोत

  1. OpenStax Prealgebra 2e — Simple Interest Applications (I = Prt)
  2. Brealey, Myers & Allen — Principles of Corporate Finance, ch. 2 (simple vs compound interest)
  3. Microsoft Excel ACCRINTM function (simple interest accrued to maturity, basis 2 = actual/360, 3 = actual/365)

केवळ नियोजनासाठी. कर्जदाते, कर अधिकारी आणि बाजार स्वतःचे पूर्णांकन, शुल्क आणि नियम लागू करतात; बांधिलकी स्वीकारण्यापूर्वी त्यांच्याकडून आकडे तपासून घ्या.

संदर्भांशी पडताळलेले

या कॅल्क्युलेटरमध्ये स्वतंत्र स्रोतांमधील उत्तरांसह ५ सोडवलेली उदाहरणे आहेत. ती चाचणी संचात चालतात आणि तुम्ही ती येथेही चालवू शकता.

संबंधित कॅल्क्युलेटर