Àwọn Ìṣàmúlò-ètò Àìṣàmúlò-ètò

Fi àwọn ìṣàmúlò-ètò àìfihàn pamọ́ lórí àwọn ààyè-iṣẹ́ - kò ní 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

Simple interest is charged only on the original principal, never on interest that has already accrued. The formula is Interest = Principal × Rate × Time, with the rate as a decimal and the time in years. Because the base never grows, the interest is the same every year and the balance climbs in a straight line rather than a curve.

For example, 5,000 borrowed or invested at 5% a year for 3 years earns 5,000 × 0.05 × 3 = 750 in interest, for a total of 5,750. Double the time to 6 years and the interest simply doubles to 1,500 — there is no compounding to accelerate it.

Simple interest is common on short-term and some car, personal or bridging loans, and on certain bonds and savings products. Use this calculator to check the cost of such a loan, and compare it with the compound interest calculator to see how much difference compounding makes over longer periods.

Àwọn Àtòjọ-ẹ̀yàn

Kini àwọn ìṣàmúlò-ètò ìfẹ́fẹ́ àìpẹ̀?

Ìdáràn = Principal x Rate x Time, pẹlú ìdáràn bí àdéètì. 5,000 ni 5% fun ọdun 3 gba 5000 x 0.05 x 3 = 750.

Bawo ni a ṣe le yatọ si owo-ori ti o rọrun lati owo-ori ti o ni ibatan?

Simple interest is calculated only on the principal, so it grows in a straight line. Compound interest is calculated on the principal plus prior interest, so it grows faster over time.

Bawo ni mo ṣe lè ṣé ìṣàmúlò-ètò àwọn àwọn ìṣàmúlò-ètò?

Add the interest to the principal. For 5,000 at 5% over 3 years the interest is 750, so the total to repay is 5,000 + 750 = 5,750. The calculator shows both the interest and this total.

Ń lè fi ọ̀rọ̀ àwọn àwọn ààyè-iṣẹ́ pamọ́?

Ya. Ààyè àkókò náà gba àwọn ìpàdá, bẹ́ẹ̀ nínú oṣù 18 ní ọdun 1.5 àti oṣù 6 ní ọdun 0.5. Àwọn ìṣàmúlò-ètò náà ní pàtó nínú oṣù, bẹ́ẹ̀ nínú oṣù kẹta nínú oṣù kẹta náà.

Bawo ni mo ṣe lè rí ìpelé ìṣàmúlò-ètò láti inú ìṣàmúlò-ètò tí a fi pamọ́?

Rearrange the formula: Rate = Interest ÷ (Principal × Time). If 5,000 over 3 years earned 750, the rate is 750 ÷ (5,000 × 3) = 0.05, or 5% a year.

Tí a bá ló ìṣàmúlò-ètò àìpẹ̀ nígbà tí a bá ló ìṣàmúlò-ètò àìpẹ̀?

It is typical for short-term loans, some car and personal loans, and certain bonds and notes where interest is paid out rather than reinvested. Over long horizons lenders and savers usually use compound interest instead.

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/simple-interest/

curl

curl "https://calculator.free/api/v1/simple-interest/?principal=5000&rate=5&years=3"

JavaScript `fetch()`

const r = await fetch(
  "https://calculator.free/api/v1/simple-interest/?" + new URLSearchParams({
    "principal": "5000",
    "rate": "5",
    "years": "3"
  }));
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()`