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Interest Calculator – Calculates simple or compound interest earned o...

The Interest Calculator calculates simple or compound interest earned or owed on a principal amount. This free Interest Calculator gives you an instant, accurate result without requiring an account, spreadsheet, or financial expertise. Enter your numbers and see exactly what the formula produces.

The formula behind this calculator: Simple interest = P x r x t; compound interest = P x (1 + r/n)^(nt) - P. As a practical example: $2,000 at 5% simple interest for 3 years earns $300, while compounded annually it earns about $315. All results are calculated instantly in your browser — no data is stored or transmitted.

Interest Calculator FAQ

What does the Interest Calculator calculate?

Calculates simple or compound interest earned or owed on a principal amount.

How often should I recalculate as my situation changes?

Any time your rate, income, or financial goals change significantly. For mortgage planning, recalculate whenever rates move more than 0.25%.

Does this account for inflation over time?

Only where specifically noted. Most financial calculators use nominal (not inflation-adjusted) figures unless an inflation rate field is provided.

Does this work on mobile?

Yes — fully responsive and optimised for smartphones, tablets, and desktop browsers.