Zinseszinsrechner — Zinseszinseffekt exakt berechnen
Simuliert das exponentielle Kapitalwachstum durch wiederangelegte Zinserträge über beliebige Anlagezeiträume.
Formelherleitung & mathematische Grundlagen
Der Zinseszinseffekt beschreibt das Phänomen, dass gutgeschriebene Zinsen in den Folgeperioden selbst wieder verzinst werden.
Variablendefinitionen & Maßeinheiten
Worked Compound Interest Growth Example
An investor deposits $20,000 into a high-yield savings certificate offering 8.0% annual interest compounded quarterly (n = 4) for 5 years (t = 5):
The Mathematical Law of Compounding (Rule of 72)
Albert Einstein famously noted that compound interest is the eighth wonder of the world. Mathematically, the frequency of compounding dictates the Effective Annual Rate (EAR). When n approaches infinity, the formula converges to continuous compounding: A = P · eʳᵗ.
A practical mental math shortcut is the Rule of 72: divide 72 by your annual interest rate to determine approximately how many years it takes for your initial capital to double. At an 8% return, your money doubles in approximately 9 years (72 ÷ 8 = 9).
Häufig gestellte Fragen zu Zinseszinsrechner
How does compounding frequency impact my final balance?
Higher frequencies yield higher returns. For a $10,000 investment at 10% for 1 year: annual compounding yields $11,000.00, monthly yields $11,047.13, and daily yields $11,051.56. While the jump from annual to monthly is noticeable, the incremental gain from monthly to daily is modest.
What is the difference between APR and APY?
APR (Annual Percentage Rate) is the nominal interest rate without considering compounding. APY (Annual Percentage Yield) reflects the true annual return earned after compounding is accounted for.
Can I use this calculator for compound interest with regular monthly deposits?
For recurring monthly contributions, use Calcia's dedicated SIP / Annuity Due Calculator, which models step-by-step recurring additions alongside compounding interest.
How are taxes handled on compound investment accounts?
In taxable brokerage accounts, dividends and capital gains distributions may be subject to annual taxation, which slightly reduces the compounding growth rate unless held within tax-advantaged vehicles (such as 401(k), IRA, or ISA).
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