What is compound interest?

Compound interest is interest calculated on both the initial principal and the previously accumulated interest. Unlike simple interest, it grows exponentially over time.

How often should interest compound?

The more frequently interest compounds (daily > monthly > quarterly > annually), the more you earn. Daily compounding yields slightly more than monthly, which is better than annual.

What is the Rule of 72?

Divide 72 by your interest rate to estimate how many years it takes to double your money. At 7%, your money doubles in about 10.3 years.

What is the Rule of 72?

The Rule of 72 is a quick mental shortcut: divide 72 by your annual interest rate to estimate how many years it takes to double your money. At 7%, money doubles in roughly 72 ÷ 7 ≈ 10.3 years. It's not exact but surprisingly accurate for rates between 4–12%.

Does compound interest work against you in debt?

Yes. The same math that grows savings also grows debt. Credit card debt at 20% APR: $5,000 left unpaid grows to over $30,000 in 10 years. The key difference is direction — in savings, time is your ally; in debt, time works against you. Paying off high-interest debt first often beats investing, purely on a risk-adjusted return basis.

Kalkulator Bunga Majemuk

Hitung pertumbuhan uang Anda dengan bunga majemuk dari waktu ke waktu.

Jumlah Awal

Kontribusi Bulanan

Suku Bunga Tahunan

Periode Waktu

tahun

Frekuensi Bunga Majemuk

Saldo Akhir

$54,915.51

Pokok$10,000.00

Total Kontribusi$24,000.00

Total disetor$34,000.00

Bunga Diperoleh$20,915.51

Total Imbal Hasil61.52%

Tahun 1$13,215.88 ($12,400.00 + $815.88 interest)

Tahun 2$16,664.23 ($14,800.00 + $1,864.23 interest)

Tahun 3$20,361.86 ($17,200.00 + $3,161.86 interest)

Tahun 4$24,326.80 ($19,600.00 + $4,726.80 interest)

Tahun 5$28,578.36 ($22,000.00 + $6,578.36 interest)

Tahun 6$33,137.26 ($24,400.00 + $8,737.26 interest)

Tahun 7$38,025.74 ($26,800.00 + $11,225.74 interest)

Tahun 8$43,267.59 ($29,200.00 + $14,067.59 interest)

Tahun 9$48,888.39 ($31,600.00 + $17,288.39 interest)

Tahun 10$54,915.51 ($34,000.00 + $20,915.51 interest)

At 7.00% annual interest compounded Bulanan with $200.00/month contributions, $10,000.00 grows to $54,915.51 in 10 tahun — earning $20,915.51 in interest.

Analisis Bagaimana Jika

Suku Bunga Tahunan$54,915.51

Periode Waktu$54,915.51

Starting 10 years earlier typically doubles your final balance. Time beats rate every time.

Langkah berikutnya

Retirement Savings Calculator

See if this growth puts you on track for retirement

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Tentang Kalkulator Ini

Bunga majemuk berarti mendapatkan bunga atas pokok awal DAN bunga yang telah terakumulasi. Efek "bunga atas bunga" ini membuat kekayaan tumbuh secara eksponensial. Semakin lama uang Anda bekerja, semakin dramatis pertumbuhannya.

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Pertanyaan Umum

Apa itu bunga majemuk?

Bunga majemuk dihitung atas pokok awal dan bunga yang sebelumnya telah terakumulasi. Berbeda dengan bunga sederhana, bunga majemuk tumbuh secara eksponensial seiring waktu.

Seberapa sering bunga harus dimajemukkan?

Semakin sering (harian > bulanan > triwulanan > tahunan), semakin besar penghasilan. Pemajemukan harian menghasilkan sedikit lebih banyak dari bulanan.

Apa itu aturan 72?

Bagi 72 dengan suku bunga Anda untuk memperkirakan berapa tahun uang Anda akan berlipat ganda. Pada 7%, uang Anda berlipat ganda dalam sekitar 10,3 tahun.

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Compound Interest vs. Simple Interest — The Difference That Builds (or Costs) You a Fortune

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The Rule of 72 Explained — Mental Math Every Investor Should Know

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For informational purposes only. Calculator results are estimates based on the inputs you provide. This is not financial, investment, tax, or legal advice. Consult a qualified financial professional before making major financial decisions.