Compound Interest کا حساب کیسے لگائیں
Compound Interest کیا ہے؟
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.
فارمولا
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 (%)
مرحلہ وار گائیڈ
- 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
حل شدہ مثالیں
ان پٹ
$10,000 at 7% for 20 years, monthly compounding
نتیجہ
$40,642 — vs $38,697 with annual compounding
ان پٹ
Same with $200/month added
نتیجہ
$127,000 — contributions quadruple the outcome
اکثر پوچھے جانے والے سوالات
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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