Kalkulator odsetek składanych
The detailed guide below is currently available in English.
How compounding builds on itself
With compounding, each period’s interest is added to the balance, and later interest is calculated on the larger amount. A balance P at nominal rate r compounded n times a year grows by the factor (1 + r/n)n each year — so 6% compounded monthly is really 6.16778% per year. Converting between these quoting styles is the first tab; the second projects a balance.
Frequency and contributions
- More frequent compounding yields more: 6% compounded monthly beats 6% compounded yearly, though the gap is modest at typical rates.
- APR quotes a nominal rate; APY quotes the effective, annually compounded result. The conversion tab moves between them.
- Small rate differences compound into large gaps over decades — try 4% versus 6% over 30 years in the growth tab.
Częste pytania
What is the difference between APR and APY?
APR is a nominal annual rate that ignores intra-year compounding; APY is the effective yearly rate once compounding is included. 6% APR compounded monthly equals 6.16778% APY, which is why lenders like quoting APR and savers like quoting APY.
What is the "rule of 72"?
A quick mental shortcut: divide 72 by the effective annual rate to estimate doubling time. At 6% effective, money doubles roughly every 12 years — the yearly table in the growth tab shows the exact version of that effect.
Why did daily compounding barely change my result?
At normal rates the difference between monthly and daily compounding is a few hundredths of a percent per year. Frequency matters most over long horizons or at high rates.