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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.

Güncellendi Doğrulanan örnekler: 5

$
%
Dene
Faiz
$
Faiz: $1,800.00
Ondalık basamaklar: 2; En yakına; eşit uzaklıkta çift rakama
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
Anapara84.7%Faiz15.3%

Balance over time

$10K$10.5K$11K$11.5K0123Years
Simple interestCompounded yearly
Interest by year Satır sayısı: 3
PeriodInterest in periodInterest so farKalan borç
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
Nasıl hesaplanır S

  1. Time in years

    t=3=3t = 3 = 3

  2. Faiz

    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 hakkında

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.

Çözümlü örnekler

10,000 at 6% for 3 years

Anapara
10,000
Interest rate (per year)
6%
Zaman
3
Time in
Yıl
Faiz
1,800.00
Total amount
11,800.00
Amount if compounded yearly
11,910.16

Doğrulama kaynağı: 10000 × 0.06 × 3 by hand; 10000 × 1.06³ = 11910.16 (Python decimal)

5,000 at 8% for 9 months

Anapara
5000
Interest rate (per year)
8%
Zaman
9
Time in
Ay
Faiz
300.00
Total amount
5,300.00

Doğrulama kaynağı: 5000 × 0.08 × 9/12 by hand

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

Anapara
20,000
Interest rate (per year)
7.5%
Zaman
90
Time in
Days
Days in a year
365 (actual/365)
Faiz
369.86

Doğrulama kaynağı: 20000 × 0.075 × 90/365 = 369.8630… (Python decimal)

Same loan on a 360-day year

Anapara
20,000
Interest rate (per year)
7.5%
Zaman
90
Time in
Days
Days in a year
360 (banker's year)
Faiz
375.00

Doğrulama kaynağı: 20000 × 0.075 × 90/360 by hand

Sorular

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” ne kadar doğru sonuç verir?

Doğruluk, girdilerinize ve yöntemin varsayımlarına bağlıdır. Ondalık aritmetik 50 anlamlı basamak kullanır; ancak tahminler, sayısal yöntemler ve kaynak veriler daha az hassas olabilir. Gösterilen değerin yuvarlanması bu sınırları ortadan kaldırmaz. Bağımsız kaynaklarla doğrulanan çözümlü örnek sayısı: 5. Örneğin “10,000 at 6% for 3 years”, 10000 × 0.06 × 3 by hand; 10000 × 1.06³ = 11910.16 (Python decimal) ile karşılaştırılarak doğrulanır.

Yöntemin kaynağı nedir?

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).

Bu hesaplayıcı hakkında

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

Kaynaklar

  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)

Yalnızca planlama içindir. Kredi verenler, vergi makamları ve piyasalar kendi yuvarlama, ücret ve kurallarını uygular; taahhütte bulunmadan önce rakamları onlarla doğrulayın.

Kaynaklarla doğrulandı

Bu hesaplayıcı, yanıtları bağımsız kaynaklardan alınan 5 çözümlü örnek içerir. Bunlar test paketinde çalıştırılır; burada da çalıştırabilirsiniz.

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