Einfacher Zinsrechner — Zinsen ohne Zinseszins berechnen
Berechnet lineare Zinserträge und das Kapitalwachstum bei fester Verzinsung ohne Wiederanlage.
Formelherleitung & mathematische Grundlagen
Die einfache Verzinsung berechnet den Ertrag ausschließlich auf das ursprüngliche Anfangskapital, ohne Berücksichtigung von Zinseszinsen.
Variablendefinitionen & Maßeinheiten
Worked Simple Interest Example
Calculate the simple interest and total payback on a promissory debt of $10,000 lent at an annual rate of 6% over a term of 3 years:
Simple Interest vs Compound Interest
In simple interest arrangements, the capital grows in a straight line. Every passing year yields the exact same dollar amount of interest because previous interest earnings do not generate new interest.
In contrast, compound interest generates an exponential hockey-stick curve where interest is reinvested. While simple interest is common for short-term personal notes, automobile chattel paper, and legal statutory interest penalties, institutional banking investments predominantly use compound interest.
Häufig gestellte Fragen zu Einfacher Zinsrechner
Where is simple interest typically used in real-world finance?
Simple interest is standard in peer-to-peer promissory notes, court judgment interest calculations, retail hire-purchase contracts, short-term treasury bills, and certificate of deposit (CD) products that disburse interest checks monthly.
How do I calculate simple interest if time is in months or days?
For months, convert to years by dividing months by 12 (e.g. 18 months = 1.5 years). For days, divide by 365 (standard ordinary calendar) or 360 (commercial banking convention).
Does simple interest favor the lender or the borrower?
Simple interest strongly favors the borrower over multi-year horizons, because the borrower is never charged interest on unpaid accrued interest, unlike compound debt schedules.
Can simple interest be converted into an equivalent APR?
Yes. For a single bullet repayment, the nominal simple rate matches the APR. However, if periodic principal amortizations occur, the effective APR on remaining balance is approximately 1.8 to 2 times higher than the flat simple rate.
Ähnliche Online-Rechner
Häufig zusammen mit Einfacher Zinsrechner verwendet.
Zinseszinsrechner
Simuliert das exponentielle Kapitalwachstum durch wiederangelegte Zinserträge über beliebige Anlagezeiträume.
Kreditrechner (Annuität & Rate)
Berechnet die feste monatliche Rate (Annuität) und den vollständigen Tilgungsplan nach finanzmathematischen Standardprinzipien.
Rabattrechner
Ermittelt den reduzierten Endpreis und die prozentuale sowie absolute Ersparnis bei Preisnachlässen und Aktionen.