Lãi suất kép là gì?
📈 CÔNG CỤ TÍNH LÃI KÉP NÂNG CAO
Công cụ tính lãi suất kép
Lãi suất kép trong tiếng Anh là Compound Interest, được Einstein nhận định là “kỳ quan thứ 8 của thế giới. Những ai hiểu được nó từ đó sẽ kiếm được tiền, ai không hiểu sẽ phải trả chi phí cho điều đó”. “Thiên tài đầu tư” Warren Buffett cũng từng chia sẻ lý do mà ông giàu có: “Sự giàu có của tôi kết hợp từ cuộc sống tại Mỹ, gen tốt và Lãi suất kép”.
Bạn hoàn toàn có thể trở nên giàu có như Warren Buffett. Nếu bạn biết tận dụng sức mạnh của lãi kép. Kết hợp với việc đầu tư thường xuyên, nhất quán trong một thời gian dài. Công cụ tính lãi suất kép của dautuantoan.vn dưới đây sẽ giúp bạn tính toán và dự báo được sự tăng trưởng kép “khối tài sản” (khoản gửi tiết kiệm, đầu tư) của mình trong một thời gian nhất định.
Lãi suất kép là gì?
Lãi suất kép (lãi kép) hay còn được gọi là lãi cộng dồn, có nghĩa là khi đến kỳ nhận lãi của khoản đầu tư thì bạn lấy lãi đó nhập vào thành gốc và tiếp tục đầu tư chuỗi chu kỳ tiếp theo. Cứ lặp đi lặp lại như vậy xuyên suốt thời gian đầu tư hoặc gửi tiết kiệm thì được coi là lãi suất kép.
Công thức tính lãi suất kép trong toán học
Công thức: Fₙ = P * (1 + i/m)^(n * m)
Trong đó:
- Fn là giá trị của khoản đầu tư trong khoảng thời gian n năm mà bạn nhận được.
- P là giá trị khoản đầu tư hiện tại của bạn.
- i là lãi suất hàng năm của khoản đầu tư đó. Ví dụ lãi suất 10%/năm, thì i được hiểu là 0,1.
- n là số năm bạn dự tính đầu tư.
- m là số lần ghép lãi trong 1 năm, nếu lãi nhận hàng năm thì m là 1.
Để hiểu rõ hơn lãi suất kép là gì chúng ta cùng xem ví dụ dưới đây.
Bạn đang có trong tay 100 triệu. Bạn muốn đầu tư với lãi suất 8%/năm.
Nếu áp dụng lãi đơn, sau 5 năm bạn nhận được: 100 * (1 + 8%*5) = 140 triệu đồng. Số tiền này còn cao hơn khi bạn sử dụng công thức lãi suất kép như sau: 100 * (1 + 8%)^5 = 146,93 triệu đồng.
Sức mạnh của lãi kép trở nên rõ ràng hơn khi bạn nhìn vào biểu đồ tăng trưởng dài hạn dưới đây:
Đây là biểu đồ ví dụ về khoản đầu tư $1000 ban đầu. Giả thiết thời gian đầu tư là 20 năm ở mức 10% mỗi năm. Do đó bạn đã hiểu lãi suất kép là gì chưa?
Vì vậy, so với lãi đơn thì lãi kép có sức mạnh kì diệu hơn hẳn và đem lại cho chúng ta mức lợi nhuận cao hơn cùng một khoản đầu tư.
Nếu công thức trên khá phức tạp với bạn. Sử dụng ngay công cụ tính lãi kép từ CÔNG CỤ tính lãi kép của chúng tôi. Bạn chỉ cần nhập số liệu, hệ thống sẽ đưa ra kết quả cuối cùng.
Bạn có thể tham khảo thêm dịch vụ ủy thác của chúng tôi
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