이자 계산기

Calculate simple or compound interest and see how your money grows over time. Get instant results with charts and year-by-year breakdown.

귀하의 세부 정보

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Enter your principal, interest rate, and time period. Choose simple or compound interest, then click Calculate to see your results with charts and yearly breakdown.

전체 사용자 가이드

What is Simple vs Compound Interest?

Simple interest is calculated only on the principal. Compound interest is calculated on the principal plus accumulated interest. Compound interest grows faster because you earn "interest on interest."

Simple: I = P × r × t

Compound: A = P(1 + r/n)^(nt)

What Your Results Mean

최종 금액

The total value at the end of the period: principal plus interest earned.

이자수익

The total interest over the period. For compound interest, this includes interest on interest.

유효율

For simple interest, this equals the stated rate. For compound interest, it reflects the actual annual return after compounding.

이 계산기를 사용하는 방법

  1. Enter your principal (starting) amount
  2. Enter the annual interest rate and time period (years, months, or days)
  3. Choose simple or compound interest
  4. For compound interest, select compounding frequency (monthly, daily, etc.)
  5. Click Calculate to see results, comparison, and yearly breakdown

결과 이해

Principal vs Interest Chart

Shows how much of your final amount is principal versus interest earned.

균형 성장

Line chart of your balance over time. Steeper curve with compound interest.

Rule of 72

Divide 72 by your interest rate to estimate years to double. At 7%%, money doubles in about 10 years.

사용된 공식

Simple interest:

I = P × r × t   |   A = P + I

Compound interest:

A = P(1 + r/n)^(n×t)

n = compoundings per year, t = time in years

중요 사항

  • This calculator is for educational and informational purposes only. It is not a substitute for professional financial advice.
  • Results are projections. Actual returns vary. Past performance does not guarantee future results.

When Simple Interest Applies

Some loans (e.g. short-term personal loans) use simple interest. You pay interest only on the principal, not on accrued interest.

When Compound Interest Applies

Savings accounts, CDs, and most investments compound. More frequent compounding (e.g. daily) yields slightly higher returns.

관심분야 팁

  • 저축을 하려면 수익을 극대화할 수 있는 일일 복리 계산이 가능한 계좌를 찾으세요.
  • 72의 법칙: 72를 이자율로 나누어 두 배로 늘어나는 기간을 계산합니다.
  • Start saving early — time is the most powerful factor in compound growth.
  • For loans, prefer simple interest when available to pay less over time.

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