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Online Interest Calculator
Use our Online Interest Calculator to easily determine the interest earned or owed using simple or compound interest formulas. Calculate total amounts based on principal, rate, time, and compounding frequency.
Interest
End Balance ($): 135,479.01
After Inflation Adjustment ($): 100,809.11
Total Principal ($) 99,000.00
Total Interest ($): 39,224.74
Total Interest after Tax ($): 36,479.01
Initial investment
Interest after tax
Contributions
Tax
0 yr
5 yr
10 yr
| № | DEPOSIT ($) | INTEREST ($) | ENDING BALANCE ($) |
|---|---|---|---|
| 1 | 32,400.00 | 1,486.44 | 33,886.44 |
| 2 | 7,400.00 | 1,908.58 | 43,195.01 |
| 3 | 7,400.00 | 2,350.77 | 52,945.78 |
| 4 | 7,400.00 | 2,813.97 | 63,159.75 |
| 5 | 7,400.00 | 3,299.17 | 73,858.93 |
| 6 | 7,400.00 | 3,807.43 | 85,066.35 |
| 7 | 7,400.00 | 4,339.82 | 96,806.18 |
| 8 | 7,400.00 | 4,897.51 | 109,103.69 |
| 9 | 7,400.00 | 5,481.69 | 121,985.38 |
| 10 | 7,400.00 | 6,093.62 | 135,479.01 |
| № | DEPOSIT ($) | INTEREST ($) | ENDING BALANCE ($) | |
|---|---|---|---|---|
| 1 | 30,200.00 | 117.03 | 30,317.03 | |
| 2 | 200.00 | 118.25 | 30,635.28 | |
| 3 | 200.00 | 119.49 | 30,954.77 | |
| 4 | 200.00 | 120.72 | 31,275.49 | |
| 5 | 200.00 | 121.97 | 31,597.46 | |
| 6 | 200.00 | 123.22 | 31,920.67 | |
| 7 | 200.00 | 124.47 | 32,245.14 | |
| 8 | 200.00 | 125.72 | 32,570.87 | |
| 9 | 200.00 | 126.99 | 32,897.85 | |
| 10 | 200.00 | 128.25 | 33,226.11 | |
| 11 | 200.00 | 129.53 | 33,555.63 | |
| 12 | 200.00 | 130.80 | 33,886.44 | |
| #1 | ||||
| 13 | 5,200.00 | 151.46 | 39,237.90 | |
| 14 | 200.00 | 152.82 | 39,590.72 | |
| 15 | 200.00 | 154.19 | 39,944.91 | |
| 16 | 200.00 | 155.56 | 40,300.47 | |
| 17 | 200.00 | 156.94 | 40,657.41 | |
| 18 | 200.00 | 158.32 | 41,015.73 | |
| 19 | 200.00 | 159.71 | 41,375.44 | |
| 20 | 200.00 | 161.10 | 41,736.55 | |
| 21 | 200.00 | 162.50 | 42,099.05 | |
| 22 | 200.00 | 163.91 | 42,462.96 | |
| 23 | 200.00 | 165.32 | 42,828.28 | |
| 24 | 200.00 | 166.73 | 43,195.01 | |
| #2 | ||||
| 25 | 5,200.00 | 187.53 | 48,582.54 | |
| 26 | 200.00 | 189.03 | 48,971.57 | |
| 27 | 200.00 | 190.54 | 49,362.11 | |
| 28 | 200.00 | 192.05 | 49,754.17 | |
| 29 | 200.00 | 193.57 | 50,147.74 | |
| 30 | 200.00 | 195.10 | 50,542.84 | |
| 31 | 200.00 | 196.63 | 50,939.47 | |
| 32 | 200.00 | 198.17 | 51,337.63 | |
| 33 | 200.00 | 199.71 | 51,737.34 | |
| 34 | 200.00 | 201.26 | 52,138.60 | |
| 35 | 200.00 | 202.81 | 52,541.41 | |
| 36 | 200.00 | 204.37 | 52,945.78 | |
| #3 | ||||
| 37 | 5,200.00 | 225.31 | 58,371.10 | |
| 38 | 200.00 | 226.96 | 58,798.06 | |
| 39 | 200.00 | 228.62 | 59,226.68 | |
| 40 | 200.00 | 230.28 | 59,656.96 | |
| 41 | 200.00 | 231.95 | 60,088.90 | |
| 42 | 200.00 | 233.62 | 60,522.52 | |
| 43 | 200.00 | 235.30 | 60,957.82 | |
| 44 | 200.00 | 236.99 | 61,394.81 | |
| 45 | 200.00 | 238.68 | 61,833.49 | |
| 46 | 200.00 | 240.38 | 62,273.87 | |
| 47 | 200.00 | 242.09 | 62,715.95 | |
| 48 | 200.00 | 243.80 | 63,159.75 | |
| #4 | ||||
| 49 | 5,200.00 | 264.89 | 68,624.65 | |
| 50 | 200.00 | 266.70 | 69,091.34 | |
| 51 | 200.00 | 268.50 | 69,559.85 | |
| 52 | 200.00 | 270.32 | 70,030.17 | |
| 53 | 200.00 | 272.14 | 70,502.31 | |
| 54 | 200.00 | 273.97 | 70,976.28 | |
| 55 | 200.00 | 275.81 | 71,452.09 | |
| 56 | 200.00 | 277.65 | 71,929.74 | |
| 57 | 200.00 | 279.50 | 72,409.24 | |
| 58 | 200.00 | 281.36 | 72,890.60 | |
| 59 | 200.00 | 283.23 | 73,373.83 | |
| 60 | 200.00 | 285.10 | 73,858.93 | |
| #5 | ||||
| 61 | 5,200.00 | 306.35 | 79,365.28 | |
| 62 | 200.00 | 308.32 | 79,873.60 | |
| 63 | 200.00 | 310.29 | 80,383.88 | |
| 64 | 200.00 | 312.26 | 80,896.14 | |
| 65 | 200.00 | 314.25 | 81,410.39 | |
| 66 | 200.00 | 316.24 | 81,926.63 | |
| 67 | 200.00 | 318.24 | 82,444.87 | |
| 68 | 200.00 | 320.25 | 82,965.12 | |
| 69 | 200.00 | 322.26 | 83,487.39 | |
| 70 | 200.00 | 324.29 | 84,011.67 | |
| 71 | 200.00 | 326.32 | 84,537.99 | |
| 72 | 200.00 | 328.36 | 85,066.35 | |
| #6 | ||||
| 73 | 5,200.00 | 349.78 | 90,616.14 | |
| 74 | 200.00 | 351.91 | 91,168.05 | |
| 75 | 200.00 | 354.05 | 91,722.10 | |
| 76 | 200.00 | 356.20 | 92,278.30 | |
| 77 | 200.00 | 358.35 | 92,836.65 | |
| 78 | 200.00 | 360.52 | 93,397.17 | |
| 79 | 200.00 | 362.69 | 93,959.86 | |
| 80 | 200.00 | 364.87 | 94,524.73 | |
| 81 | 200.00 | 367.06 | 95,091.79 | |
| 82 | 200.00 | 369.26 | 95,661.04 | |
| 83 | 200.00 | 371.46 | 96,232.50 | |
| 84 | 200.00 | 373.68 | 96,806.18 | |
| #7 | ||||
| 85 | 5,200.00 | 395.27 | 102,401.45 | |
| 86 | 200.00 | 397.58 | 102,999.03 | |
| 87 | 200.00 | 399.90 | 103,598.93 | |
| 88 | 200.00 | 402.22 | 104,201.15 | |
| 89 | 200.00 | 404.55 | 104,805.71 | |
| 90 | 200.00 | 406.90 | 105,412.60 | |
| 91 | 200.00 | 409.25 | 106,021.85 | |
| 92 | 200.00 | 411.61 | 106,633.46 | |
| 93 | 200.00 | 413.98 | 107,247.44 | |
| 94 | 200.00 | 416.36 | 107,863.80 | |
| 95 | 200.00 | 418.75 | 108,482.55 | |
| 96 | 200.00 | 421.14 | 109,103.69 | |
| #8 | ||||
| 97 | 5,200.00 | 442.93 | 114,746.62 | |
| 98 | 200.00 | 445.42 | 115,392.04 | |
| 99 | 200.00 | 447.92 | 116,039.96 | |
| 100 | 200.00 | 450.43 | 116,690.39 | |
| 101 | 200.00 | 452.95 | 117,343.34 | |
| 102 | 200.00 | 455.48 | 117,998.82 | |
| 103 | 200.00 | 458.02 | 118,656.84 | |
| 104 | 200.00 | 460.57 | 119,317.41 | |
| 105 | 200.00 | 463.13 | 119,980.54 | |
| 106 | 200.00 | 465.70 | 120,646.24 | |
| 107 | 200.00 | 468.28 | 121,314.52 | |
| 108 | 200.00 | 470.87 | 121,985.38 | |
| #9 | ||||
| 109 | 5,200.00 | 492.84 | 127,678.23 | |
| 110 | 200.00 | 495.53 | 128,373.76 | |
| 111 | 200.00 | 498.22 | 129,071.98 | |
| 112 | 200.00 | 500.93 | 129,772.91 | |
| 113 | 200.00 | 503.65 | 130,476.55 | |
| 114 | 200.00 | 506.37 | 131,182.92 | |
| 115 | 200.00 | 509.11 | 131,892.03 | |
| 116 | 200.00 | 511.86 | 132,603.89 | |
| 117 | 200.00 | 514.62 | 133,318.50 | |
| 118 | 200.00 | 517.38 | 134,035.89 | |
| 119 | 200.00 | 520.16 | 134,756.05 | |
| 120 | 200.00 | 522.95 | 135,479.01 | |
| #10 | ||||
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What Is This Tool?
This calculator helps you compute interest earned or paid on an investment or loan using either simple or compound interest models. By inputting the principal amount, annual interest rate, time period, and compounding frequency (for compound interest), you get precise calculations of the accumulated amount and interest.
How to Use This Tool?
- Enter the principal amount (P), which is the initial invested or borrowed sum.
- Input the annual interest rate (r) as a decimal (for example, 0.05 for 5%).
- Specify the time period (t) in years for the investment or loan.
- If using compound interest, enter the number of compounding periods per year (n).
- Click the calculate button to get the total accumulated amount (A) and the interest earned or owed (I).
Key Features
- Supports calculation of both simple and compound interest.
- Allows input of principal amount, annual interest rate, time in years, and compounding periods per year.
- Provides total accumulated amount and interest earned or owed.
- Uses exact mathematical formulas for accurate results.
- User-friendly and fast calculations right in your browser.
Examples
- For compound interest: If you invest $2,500 at an annual interest rate of 5% compounded quarterly for 3 years, the total amount is calculated as: A = 2500 (1 + 0.05/4)^(4*3) ≈ 2,901.26. The interest earned is I = 2,901.26 - 2,500 = 401.26.
Common Use Cases
- Students learning about simple and compound interest calculations.
- Investors analyzing potential growth of their savings over time.
- Borrowers estimating interest owed on loans before repayment.
- Financial planners comparing different financial product returns.
Tips & Best Practices
- Ensure the interest rate is entered in decimal form for accurate results (e.g., 5% as 0.05).
- Double-check the time period is in years to match formula requirements.
- For compound interest, accurately specify the number of compounding periods per year.
- Use consistent units for principal and interest rate to avoid calculation errors.
- Review all inputs before calculation for the most precise outcome.
Limitations
- Does not account for fees, taxes, or inflation adjustments.
- Variable or changing interest rates over time are not incorporated unless manually adjusted.
- Precision relies on standard financial floating-point arithmetic and exact formulas only.
Frequently Asked Questions
- Can this calculator handle both simple and compound interest?
- Yes, it supports calculations for both simple and compound interest models based on the formulas provided.
- How should I enter the interest rate?
- Enter the annual interest rate as a decimal value; for example, input 0.05 for 5%.
- What does the variable 'n' represent in compound interest?
- The variable 'n' represents the number of compounding periods per year, such as quarterly compounding where n equals 4.
Key Terminology
- Principal (P)
- The initial amount of money invested or borrowed.
- Annual Interest Rate (r)
- The yearly interest rate expressed in decimal form used to calculate interest.
- Time (t)
- The duration in years for which the money is invested or borrowed.
- Compounding Periods (n)
- The number of times interest is compounded per year in compound interest calculations.
- Total Amount (A)
- The accumulated balance after interest is applied.
- Interest (I)
- The earned or owed interest calculated from the principal, rate, time, and compounding.