Calculadora Financeira
Calculate compound interest and future value. See how your money grows over time with principal, annual rate, and years.
Seus detalhes
Enter amount, annual rate, and time in years to see future value and growth chart.
Valor Futuro
$0
Principal: $0 • Juros totais: $0
Principal
$0
Valor Futuro
$0
Juros totais
$0
Interesse %
0%
Principal vs Juros
Compare Time Horizons
| Anos | Valor Futuro | Interesse |
|---|
Guia do usuário completo
What is the Finance Calculator?
This calculator computes compound interest: how much an initial amount (principal) grows when invested at a fixed annual rate over a number of years. You see future value, total interest earned, and how balance grows year by year. Interest is reinvested each period, so you earn interest on interest.
Compound Interest Formula
The formula for future value with annual compounding:
FV = P × (1 + r)^t
FV = future value, P = principal, r = annual rate (as decimal, e.g. 0.05 for 5%), t = time in years
Exemplo:
$10,000 at 5% for 10 years: FV = 10000 × (1.05)^10 ≈ $16,289. Total interest ≈ $6,289.
Conceitos-chave
Principal
The initial amount you invest or deposit. Interest is earned on this amount and on previously earned interest (compound interest).
Compound interest
Interest is added to the balance each period, so you earn interest on interest. Over long periods this growth becomes substantial.
Interesse %
The percentage of your future value that came from interest (vs principal). Higher rate or longer time increases this share.
Como usar esta calculadora
- Enter the principal amount (e.g. 10000).
- Enter the annual interest rate as a percentage (e.g. 5 for 5%).
- Enter the time in years (e.g. 10).
- Click Calculate to see future value, breakdown chart, growth chart, and time-horizon comparison.
- Use the time-horizon table to compare different holding periods.
Compreendendo seus resultados
Future value
The total amount you will have after the given years, including principal and compounded interest.
Total interest
The amount earned from interest over the period (future value minus principal).
Interesse %
What share of the future value is interest. The rest is your original principal.
Time-horizon comparison
Shows future value and interest at 1, 2, 5, 10, 15, 20, 25, and 30 years for the same principal and rate.
Compreendendo os gráficos
Principal vs Juros
A doughnut chart showing how much of the future value is your original principal versus interest earned.
Growth Over Time
A line chart showing your balance at the end of each year. You can see how compound interest accelerates growth over time.
Growth at a Glance (Example)
Approximate growth of $10,000 at 5% annual return:
| Anos | Future value | Interest earned |
|---|---|---|
| 5 | $12,763 | $2,763 |
| 10 | $16,289 | $6,289 |
| 20 | $26,533 | $16,533 |
Notas importantes
- This uses annual compounding. Actual accounts may compound monthly or daily; results can vary.
- For estimation and education only. Investment returns are not guaranteed.
- Taxes and inflation are not included. Consult a financial advisor for planning.