So berechnen Sie Compound Interest

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Compound interest earns returns on both principal and previously earned interest. The frequency of compounding (annual, monthly, daily) affects the effective annual rate (EAR), with more frequent compounding yielding slightly higher returns.

Formel

A = P(1+r/n)^(nt) + PMT×[(1+r/n)^(nt)−1]/(r/n) where PMT=regular payment

A: Final Amount ($)
P: Principal ($)
r: Annual Rate (%)

Schritt-für-Schritt-Anleitung

1A = P × (1 + r/n)^(n×t)
2P = principal, r = annual rate, n = compounding periods/year, t = years
3With monthly contributions (PMT): add PMT × ((1+r/n)^(n×t) − 1) ÷ (r/n)
4EAR = (1 + r/n)^n − 1

Gelöste Beispiele

Eingabe

$10,000 at 7% for 20 years, monthly compounding

Ergebnis

$40,642 — vs $38,697 with annual compounding

Eingabe

Same with $200/month added

Ergebnis

$127,000 — contributions quadruple the outcome

Häufig gestellte Fragen

How is compound interest different from simple interest?

Simple interest: I = PRT (linear growth). Compound interest: A = P(1+r)^t (exponential growth). Compound interest accelerates as interest earns interest.

How often should interest compound?

More frequent compounding = higher returns. Annual vs daily compounding can differ by 0.5–1% annually. Continuous compounding (e) is the theoretical maximum.

What is the "Rule of 72"?

Years to double ≈ 72 / interest rate. At 8%, money doubles in ≈9 years. Quick mental estimation for long-term growth.

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