Calculez la croissance des intérêts composés. Voyez comment votre investissement croît avec la capitalisation mensuelle, trimestrielle ou annuelle.
The compound interest formula is: A = P(1 + r/n)^(nt), where A is the final amount, P is the principal, r is the annual interest rate (as a decimal), n is the number of times interest compounds per year, and t is time in years.
Example: $10,000 invested at 7% compounded monthly for 20 years: A = 10,000 × (1 + 0.07/12)^(12×20) = 10,000 × (1.00583)^240 = $40,170. The $30,170 gain is pure compound growth on the original $10,000.
Compounding frequency matters: Daily compounding grows slightly faster than monthly, which grows faster than annual. At 7% for 10 years on $10,000: Annual = $19,672 · Monthly = $20,097 · Daily = $20,136. The difference between daily and monthly is small, but it adds up over decades.
Divide 72 by the annual interest rate to estimate how many years it takes to double your money: 72 ÷ 7% = 10.3 years. At 10%: 72 ÷ 10 = 7.2 years.