Calculadora de Interés Compuesto
Observa cómo crece tu dinero con el interés compuesto a lo largo del tiempo.
Monto Final
Interés Total
Tasa Efectiva
%
Tiempo de Duplicación
años
Capital:
Interés:
Capital (%)
Interés (%)
Fórmula
A = P(1 + r/n)nt
A = final amount (what you get)
P = principal (initial investment)
r = annual interest rate (decimal)
n = compounding frequency per year
t = time in years
Frequently Asked Questions
What is compound interest and how does it differ from simple interest?
Compound interest calculates interest on both the principal and previously earned interest, while simple interest only calculates on the principal. Over time, compound interest grows exponentially, making it significantly more powerful for long-term savings.
How often should interest be compounded?
The more frequently interest compounds, the more you earn. Daily compounding yields slightly more than monthly, which yields more than quarterly or annually. However, the difference between daily and monthly compounding is typically small in practice.
What is the Rule of 72?
The Rule of 72 estimates how long it takes to double your money: divide 72 by the annual interest rate. At 6% interest, your money doubles in approximately 72/6 = 12 years. This is a quick mental shortcut for compound growth estimation.
What is continuous compounding?
Continuous compounding calculates interest at every possible instant using the formula A = Pe^(rt), where e is Euler's number (approximately 2.71828). It represents the theoretical maximum of compounding frequency, though the practical difference from daily compounding is minimal.