آلة حاسبة الفائدة المركبة
شاهد كيف ينمو مالك مع الفائدة المركبة بمرور الوقت.
المبلغ النهائي
إجمالي الفائدة
المعدل الفعلي
%
وقت المضاعفة
سنوات
الصيغة
A = final amount (what you get)
P = principal (initial investment)
r = annual interest rate (decimal)
n = compounding frequency per year
t = time in years
How to Use
-
1
Enter principal and rate
Type the starting amount, annual interest rate, and the number of years.
-
2
Choose the compounding frequency
Select daily, monthly, quarterly, or annual compounding to match your account.
-
3
Read the future value
The final balance and total interest earned update instantly, with the growth shown year by year.
About
Compound interest is interest calculated on both the original principal and the interest already accumulated, so a balance grows faster the longer it is left untouched. Albert Einstein is popularly — if apocryphally — credited with calling it the eighth wonder of the world, and the underlying formula, A = P(1 + r/n)^(nt), governs everything from savings accounts to retirement funds.
The compounding frequency matters: the more often interest is added, the more you earn. Daily compounding produces a slightly higher effective yield than annual compounding at the same nominal rate, because each new interest deposit immediately begins earning interest itself. This is why the effective annual rate (EAR) can exceed the stated nominal rate.
Time is the most powerful variable. Because growth is exponential rather than linear, small contributions started early can outperform much larger contributions started late — the essence of why long-term investing rewards patience. This calculator shows the year-by-year balance so you can see that curve for yourself.