複利計算ツール
投資が時間とともにどのように成長するかを確認
初期投資額
$
$
%
最終金額
$106639.02
総積立額
$70000.00
獲得利息総額
$36639.02
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この計算ツールの使い方
Enter your initial principal, expected monthly contribution, annual interest rate, and the number of years you plan to invest. You can also select the compounding frequency (how often interest is calculated and added to your balance).
計算式
Compound interest is calculated using the formula:
A = P(1 + r/n)^(nt)
Where A is the final amount, P is the principal, r is the annual interest rate, n is the number of times interest is compounded per year, and t is the time in years.
例
If you invest $10,000 at a 7% annual interest rate compounded monthly, and add $500 each month for 10 years, your final balance will be over $100,000, with more than $30,000 earned purely from interest!
よくある質問
Compound interest is the interest on a deposit or loan calculated based on both the initial principal and the accumulated interest from previous periods. It's 'interest on interest'.
The more frequently interest is compounded (e.g., daily vs. annually), the higher the effective return. More frequent compounding means interest is added to the principal sooner, generating its own interest.
The Rule of 72 is a quick way to estimate how long it will take an investment to double. Simply divide 72 by the annual interest rate. For example, at an 8% return, your money doubles in about 9 years (72/8).
Because of compound interest, time is your greatest asset. Money invested earlier has more time to compound, which can result in dramatically larger final balances compared to investing larger amounts later in life.
Simple interest is calculated only on the principal amount. Compound interest is calculated on the principal amount and also on the accumulated interest of previous periods, resulting in exponential growth.