如何准确计算定期存款 [英] How to do recurring deposit calculations accurately

问题描述

我是 ruby​​ on rails 的新手，我怀疑如何进行定期存款计算.我使用了一个公式来计算每月利息，它适用于第一个月，而不是计算接下来几个月(第二个月、第三个月...... n 个月)的准确利息.我使用的公式如下.

I'm new to ruby on rails and my doubt is how to do recurring deposit calculations. i have used one formula to calculate monthly interest and that is working for first month and not calculating accurate interest for the upcoming months(2nd month, 3rd month ... n months). Formula i used is given below.

总计 = 存款金额 * 利率 * 30/365

total = depositamount * rate of interest * 30 / 365

请帮我解决这个问题.-谢谢.

Kindly help me to solve this issue. -Thanks.

推荐答案

如果第一个月计算正确，后续月份计算错误，您是说要复利公式吗?(即在第 2 个月，您计算本金利息 + 前几个月的利息)

If the first month calculation is correct and subsequent months are wrong, are you saying that you want a compound interest formula? (i.e. in month 2 you calculate interest on principle + previous months' interest)

toal = deposit_amount * (rate_of_interest*30/365)**month_number

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