Excel 모델: 복리 계산기

제목: Compound Interest Calculator

설명:

This spreadsheet is designed to calculate compound interest for a given principal amount over a specified period. It includes sections for inputting the principal amount, interest rate, compounding frequency, years of growth, additional deposits, and payment frequency. It calculates the future value, total payments, and total interest.

Inputs:
- Principal Amount (P): The initial amount of money.
- Annual Interest Rate (r): The yearly interest rate.
- Compound Frequency (n): How often the interest is compounded per year.
- Years of Growth (t): The number of years the money is invested or borrowed.
- Additional Deposit (A): Extra amounts added periodically.
- Deposit Frequency (p): How often the additional deposits are made.
Results:
- Rate Per Payment Period: The interest rate per compounding period.
- Total Payments: The sum of all additional deposits.
- Total Payments + Principal: The sum of the initial principal and total payments.
- Total Interest: The amount of interest earned or paid.
- Future Value (F): The value of the investment or loan at the end of the period.

조언/팁:

Inputs:
- Ensure all input values are entered correctly to get an accurate calculation.
- Adjust the compounding frequency to see how it affects the future value.
Results:
- Review the future value to understand the growth of the investment.
- Compare the total interest and total payments to gauge the investment’s profitability.

원천: 사용자 정의 계산기

다음 아이콘을 클릭하면 새 탭에서 전체 통합 문서 뷰어가 열려 쉽게 편집하고 저장할 수 있습니다.

다음 아이콘을 클릭하면 스프레드시트를 다운로드할 수 있으며, 편집한 내용을 컴퓨터에 저장할 수 있습니다.

계산기 사용 예:

스프레드시트 사용의 자세한 예: 사용자가 완료해야 할 작업:

Inputs Section:
- Enter the initial principal amount, annual interest rate, compounding frequency, years of growth, additional deposit amount, and deposit frequency.
  - 예시 값:
    - Principal Amount (P): $2,000
    - Annual Interest Rate (r): 6%
    - Compound Frequency (n): 365 (Daily)
    - Years of Growth (t): 5
    - Additional Deposit (A): $200
    - Deposit Frequency (p): 1 (Yearly)
Review Results:
- Check the calculated values for the rate per payment period, total payments, total payments + principal, total interest, and future value.
  - 예시 값:
    - Rate Per Payment Period: 0.0164%
    - Total Payments: $1,000
    - Total Payments + Principal: $3,000
    - Total Interest: $831.20
    - Future Value (F): $3,831.20

대화형 계산기가 유용한 이유:

This spreadsheet helps users calculate the future value of an investment or loan by accounting for compound interest. It provides a clear and detailed breakdown of how interest is accumulated over time, helping users make informed financial decisions.

원천: 사용자 정의 스프레드시트

결론:

The Compound Interest Calculator is a valuable tool for understanding how investments grow over time due to compound interest. By providing a detailed and organized approach to calculating future value, it helps users make informed financial decisions and plan their investments effectively. Regular updates and reviews ensure the calculations remain accurate and relevant to current financial conditions.