Compound Interest ಅನ್ನು ಹೇಗೆ ಲೆಕ್ಕ ಹಾಕುವುದು

Compound Interest ಎಂದರೇನು?

Compound interest earns returns on both principal and previously earned interest. The frequency of compounding (annual, monthly, daily) affects the effective annual rate (EAR), with more frequent compounding yielding slightly higher returns.

ಸೂತ್ರ

A = P(1+r/n)^(nt) + PMT×[(1+r/n)^(nt)−1]/(r/n) where PMT=regular payment

A: Final Amount ($)
P: Principal ($)
r: Annual Rate (%)

ಹಂತ-ಹಂತದ ಮಾರ್ಗದರ್ಶಿ

1A = P × (1 + r/n)^(n×t)
2P = principal, r = annual rate, n = compounding periods/year, t = years
3With monthly contributions (PMT): add PMT × ((1+r/n)^(n×t) − 1) ÷ (r/n)
4EAR = (1 + r/n)^n − 1

Worked Examples

ಇನ್ಪುಟ್

$10,000 at 7% for 20 years, monthly compounding

ಫಲಿತಾಂಶ

$40,642 — vs $38,697 with annual compounding

ಇನ್ಪುಟ್

Same with $200/month added

ಫಲಿತಾಂಶ

$127,000 — contributions quadruple the outcome

Frequently Asked Questions

How is compound interest different from simple interest?

Simple interest: I = PRT (linear growth). Compound interest: A = P(1+r)^t (exponential growth). Compound interest accelerates as interest earns interest.

How often should interest compound?

More frequent compounding = higher returns. Annual vs daily compounding can differ by 0.5–1% annually. Continuous compounding (e) is the theoretical maximum.

What is the "Rule of 72"?

Years to double ≈ 72 / interest rate. At 8%, money doubles in ≈9 years. Quick mental estimation for long-term growth.

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