Compound Interest Calculator
Calculate how your investments grow with compound interest over time.
复利计算器
计算结果
年度详情
| 年份 | 投资本金 | 累计利息 | 总额 |
|---|---|---|---|
| 1年 | 10,000,000元 | +500,000元 | 10,500,000元 |
| 2年 | 10,000,000元 | +1,025,000元 | 11,025,000元 |
| 3年 | 10,000,000元 | +1,576,250元 | 11,576,250元 |
| 4年 | 10,000,000元 | +2,155,063元 | 12,155,063元 |
| 5年 | 10,000,000元 | +2,762,816元 | 12,762,816元 |
| 6年 | 10,000,000元 | +3,400,956元 | 13,400,956元 |
| 7年 | 10,000,000元 | +4,071,004元 | 14,071,004元 |
| 8年 | 10,000,000元 | +4,774,554元 | 14,774,554元 |
| 9年 | 10,000,000元 | +5,513,282元 | 15,513,282元 |
| 10年 | 10,000,000元 | +6,288,946元 | 16,288,946元 |
复利的力量
- 复利是"利滚利"效应，有利于长期投资
- 投资期限越长，复利效果越大
- 每月定投可以形成更大的资产
- 这是不考虑税费的简单计算
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.
