Àwọn

Wó bí a ṣe lè fi àwọn ẹ̀yàn àti àwọn inawò ṣépọ̀ nípa àwọn ìṣàmúlò-ètò àti àwọn ìṣàmúlò-ètò àìṣe.

Àwọn ìṣàmúlò-ètò àwọn ìṣàmúlò-ètò ?

Àwọn ìṣàmúlò-ètò tí o fẹ́ láti ṣẹ̀dà láti inú.

Àwọn ìṣàmúlò-ètò

Àwọn Òdun

Àwọn ìṣàmúlò-ètò

Àwọn ààyè-iṣẹ́

Fikún nínú ? Start-of-month deposits earn one extra period of interest.

Ìdídé àwọn ìṣàmúlò-ètò ?

Fi àwọn ìṣàmúlò-ètò oṣù kọ̀ǹpútà yìí pamọ́ nínú oṣù kọ̀ǹpútà yìí.

Àwọn Àtòjọ-ẹ̀yàn —

Àwọn fálù ìtàn —

Àwọn àwọn ìṣàmúlò-ètò —

Àwọn ìṣàmúlò-ètò àwọn ìṣàmúlò-ètò —

Àwọn Àtòjọ-ẹ̀yàn àwọn ìṣàmúlò-ètò

Ńlà àwọn àwọn ààtò àtòjọ-ẹ̀yàn yìí?

Àkóónú ìṣàmúlò-ètò yìí

Compound interest is interest earned on both your original money and the interest it has already earned. Because each interest payment starts earning interest of its own, a balance grows along a curve rather than a straight line. This calculator projects the future value of a starting balance plus optional regular contributions, using the formula A = P(1 + r/n)^(nt) for the lump sum and the future-value-of-a-series formula for the ongoing deposits, compounded as often as you choose.

For example, 1,000 invested for 10 years at 7% a year, with 100 added every month, grows to about 19,300. Of that, roughly 13,000 is money you actually paid in (the 1,000 start plus 120 monthly deposits) and about 6,300 is interest the account earned for you — money that came from nothing but time and compounding.

Use the solve-for tabs to run the projection backwards: instead of the end balance, pin a target and solve for the starting amount, the return rate, the monthly contribution or the number of years you need. That makes it a planning tool for a house deposit, a college fund or any long-term savings goal.

Àwọn Àtòjọ-ẹ̀yàn

Bawo ni a ṣe le ṣe ìṣàfarawé ìpele àwọn ìṣàmúlò-ètò?

The more often interest compounds, the more you earn, because each new interest payment starts earning interest sooner. The effect is small but real over long periods.

Kini àwọn ìṣàmúlò-ètò ìṣàmúlò-ètò?

A = P(1 + r/n)^(nt) for a lump sum, plus the future value of a series for regular contributions. This tool combines both.

Àwọn táàbù ìṣàfarawé fún wòyè

Instead of only computing the end balance, pick a tab to solve for a different unknown — the starting amount, return rate, monthly contribution or number of years needed to reach a target future value. The field being solved is hidden and the target end amount is used instead.

Kini iyatọ laarin ifẹ́ tí o rọrun ati tí o fọwọ́sí?

Simple interest is paid only on the original principal, so it grows in a straight line. Compound interest is paid on the principal plus all previously earned interest, so it accelerates over time. Over long horizons the gap between the two becomes very large.

Ńbà gbàgbọ́ pé ìṣàmúlò-ètò nínú ìṣàmúlò-ètò náà jẹ́ ìrànwọ́?

Ó kù nínú. Ìpamọ́ tí a ṣe nínú ibẹrẹ oṣu náà gbá àwọn oṣú kan tí a fi pamọ́ nínú oṣù kan tí a bá ṣé ìpamọ́ nínú ìpari oṣù kan. Nínú àwọn oṣù diẹ, àwọn àwọn ìṣàfilọ́lẹ̀ ìgbà tí a yaǹ nínú àwọn àwọn ìṣàfilọ́lẹ̀ àwọn à

Kini ofin ti 72?

Ó jẹ́ ìjánu-ìjánù fún bí o tì gbá akokó pípẹ láti gbà owò dúró: fi 72 pamọ́ láti inú àwọn ìpèwọ̀n ọdun. Ní 7% ní ọdun, 72 ÷ 7 ≈ 10 ọdun láti gbà dúró. O jẹ́ ìṣàfarawé, àwọn ìṣàyẹwo ìrànwọ́ lójútó lórí àwọn

Ìgbà wo nínú ìfarahan náà tí àwọn ìṣàfarawé àwọn ìṣàmúlò-ètò náà ṣe?

A nla kan. nitori ti o ti n dagba, awọn ojula ìpèwọ̀n tí a fi kun tí a lè fi ìgbàdúró ìparí ìgbàdúró pọ̀ jú ọdun 20 tabi 30 lọ. Jẹ́ ki o bá yipada nípa àwọn ìtàn láti wó bí a tì lè fi owò pamọ́ nígbà pípẹ.

API — ló àwọn ìṣàmúlò-ètò yìí láti inú ìṣàmúlò-ètò

Fi àwọn ìṣàmúlò-ètò yìí kọ̀ǹpútà yìí láti jẹ́ ààyè-iṣẹ́ JSON tí a tí fi pamọ́ - kò ní bọ́tìnì kan tí a fẹ́. Fi àwọn fálù ààyè-iṣẹ́ sílẹ̀ sí bí àwọn àwọn ìṣàmúlò-ètò àti JSON. Anything you omit uses the same default this page is pre-filled with; an unknown parameter is a 400, never a silent zero. Ka àwọn àkọlé API kíkún →

Àwọn Ààyè Ìjánu-ìṣàmúlò-ètò

GET https://calculator.free/api/v1/compound-interest/

curl

curl "https://calculator.free/api/v1/compound-interest/?target=50000&principal=1000&rate=7&years=10&contribution=100&_mode=end"

JavaScript `fetch()`

const r = await fetch(
  "https://calculator.free/api/v1/compound-interest/?" + new URLSearchParams({
    "target": "50000",
    "principal": "1000",
    "rate": "7",
    "years": "10",
    "contribution": "100",
    "_mode": "end"
  }));
const data = await r.json();
console.log(data.results);

Results are estimates for general guidance only, not financial, medical or tax advice.

Àkóónú ìṣàmúlò-ètò yìí

Àwọn Àtòjọ-ẹ̀yàn

Àwọn Ìṣàmúlò-ètò Ìṣàmúlò-ètò

Àwọn Ààyè Ìjánu-ìṣàmúlò-ètò

curl

JavaScript fetch()

JavaScript `fetch()`