Compound Interest Calculator
Calculate how your investments grow with compound interest over time.
複利計算機
計算結果
年別詳細
| 年次 | 投資元金 | 累積利息 | 合計 |
|---|---|---|---|
| 1年 | 10,000,000円 | +500,000円 | 10,500,000円 |
| 2年 | 10,000,000円 | +1,025,000円 | 11,025,000円 |
| 3年 | 10,000,000円 | +1,576,250円 | 11,576,250円 |
| 4年 | 10,000,000円 | +2,155,063円 | 12,155,063円 |
| 5年 | 10,000,000円 | +2,762,816円 | 12,762,816円 |
| 6年 | 10,000,000円 | +3,400,956円 | 13,400,956円 |
| 7年 | 10,000,000円 | +4,071,004円 | 14,071,004円 |
| 8年 | 10,000,000円 | +4,774,554円 | 14,774,554円 |
| 9年 | 10,000,000円 | +5,513,282円 | 15,513,282円 |
| 10年 | 10,000,000円 | +6,288,946円 | 16,288,946円 |
複利の力
- 複利は「利息に利息がつく」効果で長期投資に有利です
- 投資期間が長いほど複利効果が最大化されます
- 毎月積み立てることでより大きな資産を形成できます
- 税金は考慮されていない単純計算です
Other Calculators
What is Compound Interest?
Compound interest is interest calculated on both the initial principal and the accumulated interest from previous periods. Unlike simple interest, compound interest allows your money to grow exponentially over time.
Compound Interest Formula
A = P(1 + r/n)^(nt)- A = Final amount
- P = Principal (initial investment)
- r = Annual interest rate (decimal)
- n = Number of times interest is compounded per year
- t = Number of years
The Power of Compound Interest
Albert Einstein reportedly called compound interest "the eighth wonder of the world." The longer you invest, the more dramatic the compounding effect becomes. For example, $10,000 invested at 7% annual return:
| Years | Simple Interest | Compound Interest |
|---|---|---|
| 10 | $17,000 | $19,672 |
| 20 | $24,000 | $38,697 |
| 30 | $31,000 | $76,123 |
Tips for Maximizing Compound Interest
- Start early: Time is the most powerful factor in compounding
- Be consistent: Regular contributions amplify the effect
- Reinvest dividends: Let your earnings compound
- Choose higher frequency: More frequent compounding means faster growth
FAQ
Q. What's the difference between simple and compound interest?
Simple interest is calculated only on the principal, while compound interest is calculated on the principal plus accumulated interest. Over time, compound interest results in significantly higher returns.
Q. How often should interest compound?
More frequent compounding (daily or monthly) results in higher returns than annual compounding. However, the difference becomes smaller at higher frequencies. Daily compounding provides only slightly more than monthly.
