கூட்டு வட்டி கணிப்பான்
மாதாந்திர கூட்டு வட்டி மற்றும் விருப்ப மாத இறுதி பங்களிப்புகளுடன் சேமிப்பு அல்லது முதலீட்டு இருப்புத் தொகையை கணிக்கவும்.
பெயரளவு ஆண்டு விகிதம். மாதந்தோறும் கூட்டப்படும் (n = 12).
ஒவ்வொரு கால இறுதியில் சேர்க்கப்படும். ஒருமுறை மட்டும் என்றால் 0.
எதிர்நோக்கும் இருப்பு
இந்த கூட்டு வட்டி கணிப்பான் பற்றி
Compound interest is interest on interest. This page uses monthly compounding, which matches many Singapore savings accounts and unit-trust illustrations better than a once-a-year formula. The future value of a lump sum is P(1 + r/n)nt with n = 12. End-of-period contributions add PMT × ((1 + r/n)nt − 1) / (r/n).
Worked lump-sum check: $10,000 at 4% for 1 year, compounded annually, is exactly $10,400. Monthly compounding for the same year is slightly higher ($10,400.17) because interest is credited twelve times. Defaults on this page are $10,000 at 4% for 10 years with $500 monthly — a realistic SRS or cash-savings sketch, not a product illustration.
Bank boards quote effective interest rates that already bake in compounding. If you paste an EIR as the annual rate here, you will double-count compounding. Use the advertised nominal annual rate when the product compounds monthly, or set contribution to 0 and compare with the bank’s future-value example.
Inflation, fees, and taxes are omitted. CPF OA interest is 2.5% (plus extra on the first $60,000 of combined balances) with monthly compounding in CPF’s own rules — this generic calculator is not a CPF interest engine.
Figures run in the browser. Not financial advice.
எப்படி பயன்படுத்துவது
- Enter starting amount and annual percent rate.
- Enter years and optional monthly contribution.
- Read future value, interest, and total contributions.
முக்கிய சொற்கள் மற்றும் கருத்துகள்
Principal is the starting lump sum.
Nominal annual rate is r in the formula, entered as a percent (4 means 0.04).
Monthly compounding means n = 12.
End-of-period contribution is an ordinary annuity, not an annuity-due (beginning of month).
Interest earned is future value minus principal minus contributions.
பொதுவான பயன்கள்
- Sketching an emergency fund if you add $500 a month.
- Comparing a 4% T-bill style rate on $10,000 for one year ($10,400 annual compound).
- Seeing ten years of monthly savings plus a lump sum.
- Teaching kids why starting early beats a higher rate later.
எடுத்துக்காட்டுகள்
Example 1 — $10,000 at 4% for 1 year, annual compounding. $10,400. (This page compounds monthly, so one year is about $10,400.17.)
Example 2 — $10,000 at 0% for 10 years, $500 a month. Future value = 10,000 + 60,000 = $70,000.
Example 3 — $0 start, 4%, 10 years, $500 a month. Ordinary annuity of 120 payments.
Example 4 — $10,000 at 4% for 10 years, $0 contribution. About $14,908.33 monthly compound.
முக்கிய குறிப்புகள்
Not a bank quote. Products have fees, floors, and promotional rates.
Not CPF OA/SA interest. Use CPF Board figures for retirement balances.
Contributions are end-of-month. Beginning-of-month savings earn slightly more.
அடிக்கடி கேட்கப்படும் கேள்விகள்
What is compound interest?
Interest added to principal so later interest is calculated on a larger base.
What is $10,000 at 4% for one year?
Annually compounded: $10,400. Monthly compounded: about $10,400.17.
Does this use monthly compounding?
Yes. n = 12.
Are contributions at the start or end of the month?
End of the period (ordinary annuity).
What if the rate is 0%?
Future value is principal plus contributions × months.
Is this the same as the loan repayment calculator?
No. That page amortizes a debt. This page grows savings.
Can I model yearly compounding?
Not as a toggle. Twelve monthly compounds at rate r is close to, but not the same as, one annual compound at r.
Does this include inflation?
No. Results are nominal dollars.
SGD formatting?
Yes, the result cards use Singapore dollars for display.
Are numbers stored?
No.