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单利计算器.
计算单利、终值以及一段时间内的投资增长
输入数值
输入时结果会更新。
逐年增长明细表
| 年份 / 周期 | 累计利息 | 期末余额 |
|---|---|---|
| Year 1 | $600.00 | $10,600.00 |
| Year 2 | $1,200.00 | $11,200.00 |
| Year 3 | $1,800.00 | $11,800.00 |
| Year 4 | $2,400.00 | $12,400.00 |
| Year 5 | $3,000.00 | $13,000.00 |
使用方法
单利计算器 estimates the flat rate return on an investment or loan. Unlike compound interest, simple interest is calculated only on the original principal.
This formula is commonly used for short-term loans, certificate of deposits, and flat-rate retail financial instruments.
相关计算器
Cite this calculator
Canonical URL: https://mathify.one/zh/finance/simple-interest
Cite as: Mathify. (2026). 单利计算器. https://mathify.one/zh/finance/simple-interest
Use Cases
Estimate investment growth
Use this calculator to see how much a fixed deposit, bond, or other simple-interest investment will grow over a specified period. Enter your principal, rate, and time to get the future value.
Example: Invest $5,000 at 4% annual interest for 3 years to see the future value.
Calculate loan interest
Determine the total interest you'll pay on a simple-interest loan, such as a personal or car loan, by entering the loan amount, interest rate, and loan term.
Example: Borrow $10,000 at 6% for 5 years to find the total interest cost.
Frequently Asked Questions
- How do I calculate simple interest?
- Enter the principal amount, annual interest rate, and time period in years. The calculator uses the formula: Interest = Principal × Rate × Time. It then shows the interest earned and the total future value (principal plus interest).
- What is the future value in simple interest?
- Future value is the total amount you will have after the interest is added to the principal. It is calculated as Principal + (Principal × Rate × Time). This calculator displays both the interest and the future value for your investment or loan.
- Can I use this calculator for any time period?
- Yes, you can enter time in years, but you can also use fractional years (e.g., 0.5 for 6 months) or convert months to years by dividing by 12. The calculator assumes the rate is annual, so ensure your time is in years for accurate results.
Tips & Common Mistakes
Tips
- Ensure the interest rate is in decimal form if you're doing manual calculations, but the calculator accepts percentages directly.
- For time periods less than a year, convert months to years (e.g., 6 months = 0.5 years) to get accurate results.
- Double-check that the principal is the initial amount before any interest is added.
- Use the future value to compare different investment options or loan terms.
Common Mistakes to Avoid
- Using the interest rate as a whole number instead of a percentage (e.g., entering 5 instead of 5%). The calculator expects the rate as a percentage, so enter 5 for 5%.
- Forgetting to convert time to years when using months or days, leading to incorrect interest calculations.
- Confusing simple interest with compound interest; this calculator only computes simple interest, not interest on interest.
Last updated: August 13, 2026