Phần hướng dẫn bên dưới chưa có bằng tiếng Việt nên được hiển thị bằng tiếng Anh. Bản thân máy tính đã được dịch đầy đủ.
Cách sử dụng máy tính này
- Enter the principal (the amount borrowed or deposited).
- Enter the annual interest rate.
- Enter the time in years. Use decimals for partial years, e.g. 1.5 for 18 months.
Công thức
Simple interest grows linearly: each year adds the same amount of interest, because interest is never charged on previous interest.
I = P × r × t
A = P + I = P × (1 + r × t)
Example
- P = $10,000, r = 5% = 0.05, t = 3 years.
- I = 10,000 × 0.05 × 3 = $1,500.
- Total amount A = $11,500.
Câu hỏi thường gặp
Where is simple interest used?
Some short-term loans, car loans in certain countries, bonds that pay coupons, and many classroom problems use simple interest. Most savings accounts and credit cards use compound interest.
How do I convert months or days to years?
Divide months by 12 or days by 365 (some lenders use 360). For example, 90 days = 90 ÷ 365 ≈ 0.2466 years.
Is simple interest better for borrowers?
At the same stated rate, simple interest costs less than compound interest, because interest doesn't accumulate on interest.