Einfacher Zinsrechner
$
%
years
Decimals allowed (e.g. 2.5)
Ergebnis
Geben Sie Ihre Werte ein und klicken Sie auf Berechnen.
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The detailed guide below is currently available in English.
The simple interest formula
Interest = P × r × t, where P is the principal, r is the annual rate as a decimal, and t is the time in years. A $1,000 deposit at 5% for 3 years earns 1,000 × 0.05 × 3 = $150, giving a final balance of $1,150. Because the base never grows, the same interest amount repeats every year.
Häufige Fragen
Simple vs. compound interest — which do I have?
Simple interest is common for short-term loans, some auto loans, and bonds that pay a flat coupon. Savings accounts, credit cards, and mortgages almost always compound, so use a compound-interest tool for those.
Can I enter half a year?
Yes. Enter 2.5 years and the formula charges half a year of interest — $25 instead of $50 on $1,000 at 5% per year.