How Compound Interest Works
Compound interest is interest calculated on the initial principal as well as the accumulated interest from previous periods. Over time, compounding accelerates investment growth exponentially.
Mathematical Formula
A = P * (1 + r / n)^(n * t)
- A = Final accumulated balance
- P = Initial principal balance
- r = Nominal annual interest rate (in decimal form)
- n = Compounding frequency per year
- t = Investment duration in years
Frequently Asked Questions
- 复利频率如何影响最终投资回报？
- 复利计息频率越高（例如按月甚至按日），利息更早进入本金滚存生息，长周期下的最终资产总值显著高于按年复利。
- 我的个人财务计算数据会被保存在云端吗？
- 绝不会。所有数学计算、图表渲染与数据导出完全在您的浏览器本地执行，没有任何财务数据传输至服务器。
- 可以导出表格用 Excel 或 WPS 打开吗？
- 可以。点击“导出 CSV 表格”即可下载标准 RFC 4180 UTF-8 BOM CSV 文件，可直接在 Excel 或 Numbers 中使用。