Simple Interest Calculator

Work out simple interest (I = P × r × t) and the total amount. Live results.

Interest
Total amount

Frequently asked questions

What's the simple interest formula?

Interest = Principal × rate × time, where the rate is a decimal (5% = 0.05) and time is in years. The total you'll have is principal + interest.

How is it different from compound interest?

Simple interest is charged only on the original principal. Compound interest is charged on the principal plus previously accrued interest, so it grows faster — use the compound interest tool for that.

Can I use months instead of years?

Yes — enter the time as a fraction of a year. Six months is 0.5, three months is 0.25.