Compound Interest Calculator
Calculate the compound interest effect over any period. See how your wealth grows exponentially. Free with amortization schedule, interest comparison, examples.
Final capital
16.288,95 €
Initial capital
10.000,00 €
Zinseszinsen
6.288,95 €
Kapitalentwicklung
| Jahr | Kapital | Kum. Zinsen | Total |
|---|---|---|---|
| 1 | 10.000,00 € | 500,00 € | 10.500,00 € |
| 2 | 10.000,00 € | 1.025,00 € | 11.025,00 € |
| 3 | 10.000,00 € | 1.576,25 € | 11.576,25 € |
| 4 | 10.000,00 € | 2.155,06 € | 12.155,06 € |
| 5 | 10.000,00 € | 2.762,82 € | 12.762,82 € |
| 6 | 10.000,00 € | 3.400,96 € | 13.400,96 € |
| 7 | 10.000,00 € | 4.071,00 € | 14.071,00 € |
| 8 | 10.000,00 € | 4.774,55 € | 14.774,55 € |
| 9 | 10.000,00 € | 5.513,28 € | 15.513,28 € |
| 10 | 10.000,00 € | 6.288,95 € | 16.288,95 € |
Note: These calculations are for informational purposes only and do not replace professional tax or financial advice. All information without guarantee.
Frequently Asked Questions
Why is compound interest so powerful?
Compound interest accelerates wealth growth because you earn interest on previously earned interest. Over decades, even small regular investments can grow to significant amounts thanks to this exponential effect.
How does the Rule of 72 work?
Divide 72 by the annual interest rate to estimate how many years it takes to double your money. For example, at 6% interest, your capital doubles in approximately 12 years.
What is the Compound Interest Calculator?
The compound interest calculator demonstrates the effect of compound interest over long periods. It shows how reinvested interest accelerates capital growth exponentially.
How does the Compound Interest Calculator work?
Enter starting capital, interest rate, duration and optional savings contributions. The calculator compares simple interest (linear) with compound interest (exponential) and shows the difference. A chart illustrates the growing gap over the years.
Key Data and Facts
Formula: final capital = initial capital * (1 + rate)^years. Rule of 72: doubling time in years is approximately 72 / interest rate in percent.
Step-by-Step Guide
How to calculate den Zinseszins step by step: 1. Startkapital enter: Der Betrag, den Sie heute anlegen moechten. 2. interest rate festlegen: Jaehrliche Rendite in Prozent (z. B. Festgeld 3,5 %, ETF historisch 7 %). 3. Laufzeit choose: Je laenger, desto staerker der Zinseszinseffekt. 4. Optionale Sparrate: Regelmaessige Einzahlungen verstaerken das Wachstum zusaetzlich. 5. Berechnung: Endkapital = Anfangskapital x (1 + interest rate/100)^Jahre. Mit monatlicher Sparrate wird die Sparplanformel addiert. 6. Ergebnis compare: Einfache Verzinsung (linear) vs. Zinseszins (exponentiell). Beispiel: 10.000 EUR Startkapital, 5 % interest rate, 20 Jahre, keine Sparrate. Endkapital mit Zinseszins: 10.000 x 1,05^20 = 26.533 EUR. Endkapital mit einfacher Verzinsung: 10.000 + (10.000 x 0,05 x 20) = 20.000 EUR. Differenz: 6.533 EUR -- allein durch den Zinseszinseffekt. 72er-Regel: Verdopplungszeit = 72 / 5 = ca. 14,4 Jahre.
Calculation Example
10.000 EUR Startkapital, 5 % interest, 20 Jahre. Mit Zinseszins: 26.533 EUR. Ohne Zinseszins (einfache Verzinsung): 20.000 EUR. Mehrertrag durch Zinseszins: 6.533 EUR. Verdopplungszeit (72er-Regel): ca. 14,4 Jahre.
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