I-Calculator ye-Composite Interest
Bona ukuthi izimali ezigcinwe kanye nezitshala zikhula kanjani ngenzuzo ehlobene nezingcindezi ezijwayelekile.
Iziphetho zivuselelwa uma ubhala.
Malunga nale khadi
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.
Imibuzo ebuzwa kaningi
Ingabe ukusakazwa okuhlanganisiwe kubaluleke kangakanani?
Uma uthola imali engenayo eningi, uzothola imali eningi, ngoba imali engenayo entsha iqala ukuthola imali engenayo ngokushesha. Imiphumela incane kodwa ikhona eminyakeni eminingi.
Yini ifomula yenzuzo ehlobene?
A = P(1 + r/n)^(nt) yenani eliphelele, kanye nenani elizayo lesigaba sezinsiza ezijwayelekile. Lezi zinto zihlanganisa zombili.
Yini okwenziwa yi-solve-for tabs?
Ngezansi kokubala kuphela isibalo sokuphela, khetha i-tab ukulungisa okuhlukile okungaziwa - inani lokuqalisa, isilinganiso sokubuyisela, inkontileka yenyanga noma inani leminyaka edingekayo ukufinyelela ku-value elindelekile yesikhathi esizayo. Indawo exazululwa ifihlakele futhi inani elilindelekile lokuphela lisetshenziswa endaweni.
Yini ushintsho phakathi kwenzuzo elula neyokuhlanganisa?
Inkokhelo elula ikhokhwa kuphela ku-principal yakudala, ngakho ikhula emgqeni oqondile. Inkokhelo ehlobene ikhokhwa ku-principal kanye nanoma yiziphi izikweletu ezidlule, ngakho ikhawulela isikhathi. Ngaphakathi kwe-horizons ende, ibanga phakathi kwezimbili lizoba likhulu kakhulu.
Ingabe ukunikela ekuqaleni kwenyanga kusiza?
Ukufaka imali kwenziwa ekuqaleni kwenyanga, futhi kukhokhela isikhathi esingeziwe sokwethembeka uma kuqhathaniswa nokufaka imali ekupheleni kwenyanga. Ngonyaka odlule, ukukhetha isikhathi kungeza kushintsho oluncane kodwa olukhona — shintsha ngezansi kwezinto ezikhethwayo eziphezulu.
Yini imithetho eyisi-72?
Isinqumo esincane sokuthi isikhathi esingakanani imali ethatha ukuphindaphindwa: hlukanisa 72 ngezinga lephesenti leminyaka. Ku-7% ngonyaka, 72 ÷ 7 ≈ 10 iminyaka yokuphindaphindwa. Kuyisimo esilinganiselwe, kodwa ukuhlolwa kokuqonda okunembile ngokumelene nenani elifanele lesi sinqumo sinikeza.
Ingabe isilinganiso sokubuyiselwa imali sishintsha kanjani?
Iningi. Ngenxa yokukhula kwezinto, amaphuzu ambalwa angaphezulu okungeniswa kwephesenti angaphindaphindwa ngokugcwele isilinganiso esiphelile eminyakeni engu-20 noma engu-30. Zama ukuguqula kuphela isilinganiso ukuze ubone ukuthi utshala imali esikhathi eside isebenza kanjani.
API — sebenzisa le calculator kusuka kukhodi
Nquma le calculator njenge JSON evulekile yendawo yokuqeda - akukho isithonjana esidingekayo. Thumela amaxabiso endawo ngezansi njengezilungiselelo zombuzo noma i-JSON. Noma yini ongayishiya isebenzisa iphutha elifanayo elifakwe ngaphambili lekhasi; ipharamitha engaziwa yi-400, ayikho i-zero emnyama. Funda i-API egcwele →
Ingxenye yendawo
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);Izibalo ziyisilinganiso esisetshenziswa ukuqondisa kuphela, hhayi ukucebisa ngezimali, ukwelashwa noma ukukhokha.