복리 계산기 – 적금 이자 계산 & TDEE 칼로리 계산기

계산 공식 및 산출 알고리즘

            A = P(1 + r/n)^{nt} + PMT \times \frac{(1 + r/n)^{nt} - 1}{r/n}
          

Standard compound interest with recurring annuity contributions: A = P(1 + r/n)^(nt) + PMT × {[(1 + r/n)^(nt) - 1] / (r/n)}.

Compound Interest Calculator 사용 방법 및 가이드

Enter your initial starting investment principal (P).
Enter your periodic monthly contribution amount (PMT).
Input the expected annual return rate (%) and select compounding frequency.
Choose the investment horizon in years to visualize compounding growth curves and yearly balance tables.

자주 묻는 질문 (FAQ)

Why did Albert Einstein call compound interest the 8th wonder of the world?

Because interest earned on principal is added back into your capital to earn further interest in subsequent periods, creating exponential wealth growth over time.

How does compounding frequency impact returns?

More frequent compounding (e.g., monthly vs. annually) causes interest to compound faster, resulting in slightly higher effective annual yields.