Calculateur d'Intérêts Composés
Calculez les intérêts composés avec des versements réguliers
| Période d'Investissement (années) | Versements Totaux | Intérêts Totaux Gagnés | Valeur Future |
|---|---|---|---|
| 1 | $16,000.00 | $919.19 | $16,919.19 |
| 2 | $22,000.00 | $2,338.58 | $24,338.58 |
| 3 | $28,000.00 | $4,294.31 | $32,294.31 |
| 4 | $34,000.00 | $6,825.16 | $40,825.16 |
| 5 | $40,000.00 | $9,972.70 | $49,972.70 |
| 6 | $46,000.00 | $13,781.53 | $59,781.53 |
| 7 | $52,000.00 | $18,299.43 | $70,299.43 |
| 8 | $58,000.00 | $23,577.68 | $81,577.68 |
| 9 | $64,000.00 | $29,671.22 | $93,671.22 |
| 10 | $70,000.00 | $36,639.02 | $106,639.02 |
| 11 | $76,000.00 | $44,544.25 | $120,544.25 |
| 12 | $82,000.00 | $53,454.70 | $135,454.70 |
| 13 | $88,000.00 | $63,443.02 | $151,443.02 |
| 14 | $94,000.00 | $74,587.14 | $168,587.14 |
| 15 | $100,000.00 | $86,970.62 | $186,970.62 |
| 16 | $106,000.00 | $100,683.03 | $206,683.03 |
| 17 | $112,000.00 | $115,820.45 | $227,820.45 |
| 18 | $118,000.00 | $132,485.91 | $250,485.91 |
| 19 | $124,000.00 | $150,789.85 | $274,789.85 |
| 20 | $130,000.00 | $170,850.72 | $300,850.72 |
Outils Associés
Calculateur Hypothécaire
Calculez les mensualités hypothécaires avec tableau d'amortissement
Calculateur de Prêt / EMI
Calculez les mensualités EMI pour tout type de prêt
Calculateur de Pourcentage
Calculez pourcentages, augmentations, diminutions et différences
Calculateur de Retraite
Planifiez votre épargne retraite et estimez vos revenus futurs
Calculateur de Pourboire
Calculez le pourboire et partagez l'addition
Calculateur de ROI
Calculez le retour sur investissement et les rendements annualisés
Comment utiliser
Entrez vos valeurs
Remplissez les champs de saisie avec vos nombres ou paramètres.
Obtenez des résultats instantanés
Les résultats se mettent à jour automatiquement pendant la saisie — aucun bouton de validation nécessaire.
Copiez ou enregistrez
Copiez les résultats dans le presse-papiers ou utilisez-les dans votre flux de travail.
Pourquoi utiliser cet outil
100 % Gratuit
Aucun coût caché, aucun niveau premium — chaque fonctionnalité est gratuite.
Aucune installation
Fonctionne entièrement dans votre navigateur. Aucun logiciel à télécharger ou installer.
Privé et sécurisé
Vos données ne quittent jamais votre appareil. Rien n'est envoyé sur un serveur.
Fonctionne sur mobile
Entièrement adaptatif — utilisez-le sur votre téléphone, tablette ou ordinateur.
Compound interest is often called the eighth wonder of the world. It means earning interest on your interest, and it's the foundational principle behind long-term wealth building.
Key Concepts
The Power of Compounding
When interest is reinvested, your money grows exponentially rather than linearly. The longer your investment period, the more dramatic the effect becomes.
Rule of 72
Divide 72 by your annual interest rate to estimate how many years it takes for your money to double. At 8% return, your investment doubles roughly every 9 years.
Compound Frequency
The more frequently interest compounds (daily vs. annually), the faster your money grows. The difference is small over short periods but significant over decades.
Time in the Market
Starting to invest early is more impactful than investing larger amounts later. A 25-year-old investing $200/month can outperform a 35-year-old investing $400/month by retirement.
Practical Tips
Start investing as early as possible — even small amounts benefit enormously from decades of compounding.
Reinvest dividends and interest rather than withdrawing them to maximize the compounding effect.
Be wary of high-interest debt — compound interest works against you on credit cards and loans just as powerfully as it works for you on investments.
Consistent regular contributions matter more than trying to time the market with lump sums.
This content is for educational purposes only and does not constitute financial or investment advice. Past performance does not guarantee future results. Consult a qualified financial advisor before making investment decisions.