साधारण ब्याज कैलकुलेटर
Simple interest calculator
Interest on the original amount only: enter principal, rate and time to get the interest and the total.
Runs in your browser · nothing uploaded
Simple interest
₹24,000
- Principal
- ₹1,00,000
- Interest
- ₹24,000
- Total amount
- ₹1,24,000
Formula: SI = P × r × t ÷ 100; total = P + SI
- Interest is charged only on the original principal, never on earlier interest.
- t is in years: 6 months is 0.5.
An estimate for planning, not financial advice. Real returns, rates and charges depend on your bank, fund or lender, and can change.
| Year | Principal | Total with interest |
|---|---|---|
| 1 | ₹1,00,000 | ₹1,08,000 |
| 2 | ₹1,00,000 | ₹1,16,000 |
| 3 | ₹1,00,000 | ₹1,24,000 |
How to use it
- 01Enter the principal amount.
- 02Enter the yearly interest rate and the time in years (6 months is 0.5).
- 03Read the interest and the total amount.
₹50,000 · 8% · 3 years
Interest ₹12,000, total ₹62,000
About this tool
Simple interest is P × r × t ÷ 100: it is charged only on the original principal and never on earlier interest, so the same amount is earned every year. It is common in school problems, some personal and informal loans, and short-term lending.
Enter time in years, so 18 months is 1.5. The table lists the total at the end of each year. If the interest is charged on interest too, as with bank deposits and most loans, use the compound interest calculator instead.
The tool runs in your browser and stores nothing. Rates and terms for a real loan are set by the lender, so check the agreement.
हिंदी में मदद
मूलधन, सालाना ब्याज दर और समय (साल में) डालकर साधारण ब्याज और कुल रकम निकालें। सूत्र है SI = P × R × T ÷ 100। इसमें ब्याज केवल मूलधन पर लगता है, ब्याज पर ब्याज नहीं।
Questions
What is the formula for simple interest?
SI = P × R × T ÷ 100, with P the principal, R the yearly rate in percent and T the time in years. The total amount is P + SI.
How do I enter months?
Convert to years: 6 months is 0.5, 9 months is 0.75 and 18 months is 1.5.
How do I convert a monthly rate to a yearly rate?
Multiply by 12. A rate of 2% per month is 24% a year.
When is simple interest used?
In textbooks, some informal and short-term loans, and certain instruments. Most banks use compound interest.