金融
复利计算器
计算不同复利周期的复利增长
使用方法
- Enter your 初始投资 (lump sum).
- Add a 每月投入金额 if you plan to contribute regularly.
- Set the 年利率 (e.g., 7% for stock market average).
- Choose the 时间周期 in years.
- Select how often interest is compounded (daily, monthly, annually).
公式
A = P(1 + r/n)^(nt) + PMT × [(1 + r/n)^(nt) − 1] / (r/n)
A Future value (ending balance) P Principal (initial investment) r Annual interest rate (decimal) n Compounding frequency per year t Time in years PMT Regular payment (monthly contribution) Understanding how your investments grow over time is crucial for financial planning. Compound interest accelerates the growth of your savings by earning interest on both the initial principal and the accumulated interest from previous periods. Over long periods, this compounding effect can lead to exponential financial growth. For more information on the mathematics behind this, read about Compound Interest on Wikipedia.