Compound Interestని ఎలా లెక్కించాలి

Compound Interest అంటే ఏమిటి?

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.

సూత్రం

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 (%)

దశల వారీ గైడ్

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

పరిష్కరించిన ఉదాహరణలు

ఇన్పుట్

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

ఫలితం

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

ఇన్పుట్

Same with $200/month added

ఫలితం

$127,000 — contributions quadruple the outcome

తరచుగా అడిగే ప్రశ్నలు

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.

లెక్కించడానికి సిద్ధంగా ఉన్నారా? ఉచిత Compound Interest కాలిక్యులేటర్‌ని ప్రయత్నించండి

దీన్ని మీరే ప్రయత్నించండి →