Калькулятор сложных процентов

Calculate how your savings or investments grow over time with compound interest and regular contributions. Get instant results with growth charts and year-by-year breakdown.

Ваши данные

$
%

Регулярные взносы (необязательный)

$

Enter your initial investment, interest rate, time period, and optional contributions, then click Calculate to see your projected growth with charts and year-by-year breakdown.

Полное руководство пользователя

What is Compound Interest?

Compound interest is interest calculated on both the initial principal and the accumulated interest from previous periods. Unlike simple interest, it grows your balance faster over time because you earn interest on interest.

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

A = final amount, P = principal, r = annual rate, n = compoundings per year, t = years

The more frequently interest compounds (e.g. monthly vs annually), the more you earn. This calculator also supports regular contributions to show how saving consistently boosts growth.

What Your Results Mean

Окончательный баланс

The projected value of your investment at the end of the time period, including principal, contributions, and interest.

Общий процент

The total interest earned over the period. This is the growth from compounding (and from contributions earning interest).

Сложная частота

How often interest is added (annually, monthly, daily, etc.). More frequent compounding yields slightly higher returns.

Как использовать этот калькулятор

  1. Enter your initial investment (principal)
  2. Enter the annual interest rate and compound frequency
  3. Enter the time period in years
  4. Optionally add regular contribution amount, frequency, and timing (beginning or end of period)
  5. Нажмите «Рассчитать», чтобы увидеть результаты
  6. Review the summary cards, growth chart, breakdown charts, and year-by-year table

Понимание ваших результатов

Growth Chart

Shows total balance and total deposits over time. The gap between them represents interest earned.

Окончательная разбивка баланса

Pie chart of how much of your final balance came from initial investment, contributions, and interest.

Rule of 72

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

Используемые формулы

Compound amount without contributions:

A = P(1 + r/n)^(n×t)

With regular contributions, the calculator compounds each period and adds contributions at the chosen timing (beginning or end of period).

Важные примечания

  • This calculator is for educational and informational purposes only. It is not a substitute for professional financial or investment advice.
  • Results are projections. Actual returns vary. Past performance does not guarantee future results.
  • For investment planning, consider consulting a financial advisor.

Impact of Starting Late

Waiting to invest can mean:

  • Less time for compounding
  • Need for larger contributions to catch up
  • Lower final balance for the same effort

Benefits of Compounding

Starting early and contributing regularly can:

  • Grow wealth with less stress
  • Let interest do more of the work
  • Build a larger nest egg over time

Инвестиционные советы

  • Start investing as early as possible; time is your biggest advantage.
  • Последовательные небольшие взносы могут превзойти большие единовременные инвестиции.
  • Reinvest dividends and interest to maximize compounding.
  • Keep fees low; even 1% in fees can significantly reduce long-term returns.

📤 Share This Tool