Calculadora de Juros Simples Online Grátis
SI with flat vs reducing balance comparison & time conversion
The Simple Interest Calculator computes interest charged or earned only on the original principal, not on accumulated interest. It's used for short-term loans, flat-rate agreements, and quick interest comparisons where reducing-balance calculations aren't needed.
Frequently Asked Questions
Sobre Esta Calculadora
Simple interest is the most straightforward form of interest — it's calculated only on the original loan amount (principal), regardless of how much interest has already accrued. The formula SI = P × R × T / 100 makes it easy to compute manually, and it's used in short-term personal loans, flat-rate car loans, and trade credit arrangements.
The key distinction from compound interest is that simple interest does not compound — the interest charge is the same every period because it always refers back to the original principal. This means a 10% simple interest loan for 3 years costs exactly 30% of the principal, no more. Compound interest on the same terms would cost more.
This calculator also shows the flat-rate vs reducing-balance comparison, which is valuable when comparing loan products. A flat-rate loan at 10% effectively costs about 18–19% on a reducing-balance basis — an important discrepancy that lenders don't always make transparent.
A Calculadora de Juros Simples foca no montante sem incluir juros sobre juros.
Fórmula
SI = P × R × T / 100 Where P = Principal, R = Annual Rate (%), T = Time in years
Dicas
- Simple interest charges interest only on the original principal, while compound interest charges on principal + accumulated interest.
- Flat-rate loans use simple interest — they cost significantly more than reducing-balance loans at the same stated rate.
Exemplos
Cenário: Borrowing ₹2,00,000 at 12% simple interest for 3 years (a typical personal loan flat rate).
Resultado: Total interest = ₹72,000. You repay ₹2,72,000. On a reducing-balance basis, 12% flat ≈ 21.5% effective — a major hidden cost.
Cenário: Investing ₹50,000 in a 6-month treasury bill at 7% per annum simple interest.
Resultado: Interest earned = ₹1,750 (₹50,000 × 7% × 0.5). Total payout at maturity = ₹51,750.