Friday, July 27, 2007

Time Is Money: Simple Interest vs. Compound Interest

The first time I heard about the ‘Compound Effect’ I wanted to rename it ‘the Modern American Dream’. I will explain this more in the next blog entry but first I want to make sure that all Biz Girls are on the same page when it comes to financial terms. Let’s define* 4 terms today; the first 3 are:
Principal: the original amount of money on which interest is calculated
Interest: a fee paid on borrowed money
Interest Rate: the percentage of the principal which is paid as fee (the interest) over a certain period of time

Example1:
Let’s say you invest $100 (principal) with a 5% interest rate per year. By the end of the first year, your money will grow to $105 ($100 + $5 in interest) instead of the original $100. On the second year you will have $110 and so on.

This sounds cool, right? Free Money is always cool. Let’s explore another kind of interest: Compound Interest.
Compound Interest: is interest based not only on the original principal, but also on any interest that has been added to the principal in previous years.

Example2:
Again you invest $100 (principal) with a 5% interest rate per year. By the end of the first year, your money will grow to $105 ($100 + $5 in compound interest). The second year, instead of having 5% on the principal, it will be 5% on the $105; therefore, you will have $110.25.

Below you can see how your $100 bill grows in 40 years when simple interest and compound interest are applied to it. Notice that the real growth happens during the later years of compound interest because the interest is computed on a bigger amount (so between years 3 and 4 the money grew by $5.79 but between years 39 and 40 the growth was $33.52); whereas simple interest keeps a steady growth of $5 since the interest rate is only applied to the principal.





As you can see, money grows over time; therefore, time is money. Watch out for the Sunday posting about “Using Compound Interest to your Own Advantage”.

*Definition from wikipedia.org

xoxo
The Biz Girl

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