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Simple Interest Calculator 2026

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Simple Interest Calculator se aap kisi bhi principal amount par simple interest aur total amount ek second me nikal sakte hain. Simple interest sirf original principal par calculate hota hai, compound interest ki tarah interest par interest nahi milta.

Simple Interest Calculator

Formula: Simple Interest = (P × R × T) / 100, jaha P=Principal, R=Rate per annum, T=Time in Years. Total Amount = P + SI

Example

Agar aap ₹1,00,000 pe 8% annual rate se 3 saal ke liye simple interest calculate karte hain, to SI = (1,00,000 × 8 × 3)/100 = ₹24,000. Total Amount = ₹1,24,000.

Simple Interest vs Compound Interest

PointSimple InterestCompound Interest
Calculation BaseSirf original principal parPrincipal + accumulated interest par
GrowthLinear (constant har saal)Exponential (badhta jata hai)
Used InShort-term loans, kuch personal loansFD, RD, Mutual Funds, most investments

FAQ

Q1: Simple interest kaha use hota hai?
Zyadatar short-term loans, kuch personal loans aur basic financial calculations me simple interest use hota hai jaha interest sirf principal par calculate hota hai.
Q2: Simple interest compound interest se kam kyu hota hai same rate pe?
Kyunki simple interest me interest sirf original principal par milta hai, jabki compound interest me interest par bhi interest milta hai jo overall amount ko zyada badhata hai.
Q3: Formula me Time years me hona chahiye?
Haan, agar time months me diya hai to use years me convert karein (months/12) formula use karne se pehle.
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