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Calculadora de Juros Compostos - Projete seus Rendimentos

Use nossa calculadora de juros compostos para estimar o crescimento dos seus investimentos com facilidade.

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Adjust the numbers below — results update instantly
de cada período de capitalização
%
%
%
Ending balance: R$ 54.535,20
Adjusted for Inflation: R$ 47.042,54
Ending balance:
R$ 54.535,20
Total principal:
R$ 45.000,00
Total contributions:
R$ 25.000,00
Total interest:
R$ 9.535,20
Interest of initial investment:
R$ 5.525,63
Interest of the contributions:
R$ 4.009,56
Buying power of the end balance after inflation adjustment:
R$ 47.042,54
37%46%17%
Principal
Contributions
Interest
AnoDepósitoJurosSaldo Final
1R$ 25.000,00R$ 1.250,00R$ 26.250,00
2R$ 5.000,00R$ 1.562,50R$ 32.812,50
3R$ 5.000,00R$ 1.890,63R$ 39.703,13
4R$ 5.000,00R$ 2.235,16R$ 46.938,28
5R$ 5.000,00R$ 2.596,91R$ 54.535,20

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Guide to Interest Calculations: Simple, Compound, and Rule of 72

Simple Interest

Simple interest is calculated only on the original principal. It does not compound over time.

Fórmula:

Interest = Principal × Rate × Time

Simple interest is calculated only on the principal over time. Common in short-term lending.

Here's how simple interest works:

R$ 100,00 × 10% = R$ 10,00. After 1 year: R$ 100,00 + R$ 10,00 = R$ 110,00.

Over 2 years at 10% per year: R$ 100,00 + R$ 10,00 + R$ 10,00 = R$ 120,00.

Compound Interest

Compound interest adds interest to the original amount and the accumulated interest.

Fórmula:

A = P × (1 + r/n)^(nt)

Compound interest includes accumulated interest over time. The more frequent the compounding, the more the return.

Here's how compound interest works:

R$ 100,00 × 10% = R$ 10,00 → R$ 110,00. Then R$ 110,00 × 10% = R$ 11,00 → R$ 121,00.

Over 2 years at 10% per year with compounding: R$ 100,00 → R$ 110,00 → R$ 121,00.

Compound interest gives higher return than simple interest over time.

The Rule of 72

The Rule of 72 estimates the number of years to double your money based on interest rate.

Fórmula:

Years to Double = 72 ÷ Interest Rate

The Rule of 72 estimates how many years it takes to double your money at a given annual interest rate.

At 8% interest rate: 72 ÷ 8 = 9 years.

Comparison to Loan Interest Methods

Simple and compound interest differ from amortized, deferred, and bond loan models:

  • Amortized loans have equal periodic payments including interest and principal.
  • Deferred loans accrue interest but are repaid later in full.
  • Bonds are priced based on the present value of future payments.