Simple Interest Calculator

Flat-rate interest on principal — quick and transparent. Calculate simple interest instantly. Enter principal, rate and time to get interest earned and total amount. Free simple interest calculator with formulas.

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Sobre o Simple Interest Calculator

Simple interest is the honest elder sibling of compound interest: interest is charged only on the original principal, never on accumulated interest. This calculator applies the classic formula SI = P × R × T ÷ 100, showing the interest earned and the final amount for any principal, annual rate and period in years, months or days. It also displays the working, making it a favourite for school problems, informal loans between friends and flat-rate product comparisons.

Como usar o Simple Interest Calculator

  1. Enter the principal amount.
  2. Enter the annual interest rate.
  3. Set the period — years, months or days.
  4. Read the interest and total amount.

Principais recursos

When is simple interest used in real life?
Short-term consumer loans, some car finance, bonds paying fixed coupons, and informal lending — anywhere interest is charged flat on the original principal.
How is simple interest different from compound?
Simple interest always calculates on the original principal. Compound interest calculates on principal plus all interest already added, so it grows faster the longer it runs.

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