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.

复利计算器

计算您的资金如何通过复利随时间增长。

初始金额

每月缴纳额

年利率

时间段

年

复利频率

最终余额

$54,915.51

本金$10,000.00

总缴纳额$24,000.00

总存入金额$34,000.00

利息收入$20,915.51

总回报61.52%

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

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

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

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

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

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

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

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

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

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

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

假设分析

年利率$54,915.51

时间段$54,915.51

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

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Retirement Savings Calculator

See if this growth puts you on track for retirement

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关于此计算器

复利是指对本金以及已累计利息同时计算利息。这种"利滚利"效应使财富呈指数级增长。资金投入时间越长，增长越显著，这也是理财专家建议尽早开始储蓄的关键原因。

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常见问题

什么是复利？

复利是对本金和之前累计利息同时计算的利息。与单利不同，它随时间呈指数级增长。

利息应该多久复利一次？

复利频率越高（每日>每月>每季>每年），收益越多。每日复利比每月复利略高。

什么是72法则？

用72除以利率，即可估算资金翻倍所需年数。利率7%时，约10.3年翻倍。

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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.

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