單利計算器
根據本金、利率和時間期間計算利息和最終餘額。
输入您的详情
结果
复利优势
关于此计算
什么是单利？
单利仅基于本金金额计算利息。与复利不同，它不赚取先前已获利息的利息。此计算器显示您使用复利可以赚取多少更多。
I = P × r × t
计算步骤
利息明细
单利 vs 复利增长
年度比较
年度比较
| 年 | 单利 | 利息 | 复利 | 差异 |
|---|
About This Calculation: Simple Interest Explained
What is Simple Interest?
Simple interest is the basic method of calculating interest only on the original principal amount (the initial sum borrowed or invested). Unlike compound interest, simple interest does not accrue interest on previously earned interest. The interest payment remains the same over the entire duration of the loan or investment.
As a Borrower: Simple interest is typically better for you, as you pay less total interest over the life of the loan.
As an Investor: Simple interest is generally worse for you, as you miss out on the accelerating growth potential of compounding.
The Simple Interest Formula
The calculation uses the most fundamental interest formula, which you can see in the calculation steps below.
Simple Interest (I) = Principal (P) × Rate (r) × Time (t)
I: Total Simple Interest earned or paid.
P: The Principal Amount (Initial Investment in this calculator).
r: The Annual Interest Rate (expressed as a decimal).
t: The Investment Period (in years).
The Future Value is the principal plus the total simple interest: FV = P+ I
Simple Interest vs. Compound Interest (The Key Difference)
Our calculator includes a side-by-side comparison with compound interest to clearly illustrate the difference.
Simple Interest: The interest calculated each year is only based on the starting principal. The growth is linear.
Compound Interest: The interest is calculated on the principal plus all previously accumulated interest. The growth is exponential over time.
As the charts and the "Compound Advantage" result show, over long periods, the difference in returns between the two methods can become substantial, making the compounding effect a critical consideration for investors.
Key Edits and Rationale:
Consolidation: Merged the three separate formula explanations (I=Prt and I=Prn) into a single, clearer formula block. Since the calculator uses years as the time period, I=Prt is the most relevant format.
Focus: Removed the complex breakdown of different calculation frequencies (daily/monthly I=Prn) as the calculator input is set for years/annual rates, which simplifies the explanation for the user.
Clarity: Kept the summary of Simple vs. Compound Interest and the explicit mention of who benefits (borrower vs. investor) as this is the most critical educational takeaway for a financial calculator.
Integration: Explicitly linked the explanation to the calculator's visual elements, like the "Compound Advantage" and the charts, to explain why the comparison is present.