Compound Interest Calculator
See how your savings grow with compound interest and regular contributions.
此页面尚未完整翻译，部分内容以英文显示。
Enter your principal, annual interest rate, number of years, optional periodic contribution, and choose how often interest compounds.
公式与方法
FV = P(1 + r/n)^(nt) + C · (((1 + r/n)^(nt) − 1) / (r/n)), where P is principal, r the annual rate, n the compounds per year, t the years, and C the contribution per period.
Contributions are treated as an ordinary annuity (added at the end of each compounding period). All math runs locally in your browser.
示例
- $1,000 at 5% for 10 years, compounded monthly, no contributions → ≈ $1,647.01 future value — 1000 × (1 + 0.05/12)^(12×10).
假设条件
- The interest rate stays constant for the whole period.
- Contributions occur at the end of each compounding period.
- Taxes, fees, and inflation are not deducted.
常见错误
- Confusing the nominal annual rate with the effective annual rate.
- Entering a monthly rate where an annual rate is expected.
常见问题
What is compound interest?
Compound interest is interest calculated on both the initial principal and the accumulated interest from previous periods, so growth accelerates over time.
How does compounding frequency affect results?
More frequent compounding (e.g. monthly vs annually) slightly increases the future value because interest is added and re-invested more often.
隐私
所有运算都在您的浏览器本地完成，数据绝不会上传。
免责声明: This tool provides estimates for educational purposes only and is not financial advice.
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