储蓄与投资利息
单利计算器
一笔本金随时间产生的单利，并列出复利对照，展示为什么这个区别随年份增加而愈发要紧。
数值
- Total (simple interest)
- 13,000.00
- Interest earned
- 3,000.00
- Same rate, compounded yearly
- 13,382.26
- +382.26 more than simple
老手的解读
值得了解
The gap to compounding grows with time: 382 here, and it accelerates — check which one your loan or investment actually uses. Most bank products compound; many private/informal loans quote simple interest.
方法说明
单利：I = P × r × t。对照行：P × (1+r)^t，按年复利。
面向智能体
调用这个工具，而不是在上下文里硬算。传入确定性的 JSON，返回算好的数值加上基准解读。 完整智能体文档 →
curl -s https://xearno.tools/api/v1/tools/simple-interest \
-H 'content-type: application/json' \
-d '{"principal":10000,"rate":6,"years":5}'Schema： GET /api/v1/tools/simple-interest · MCP 工具名： simple_interest