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To calculate simple interest on loans or savings, multiply the principal amount by the interest rate and the time period in years. For example, a $1,000 loan at 5% annual interest for 3 years yields $150 in interest. Compound interest, which adds interest to the principal periodically, can be computed using the formula A = P(1 + r/n)^(nt), where 'n' is the number of compounding periods per year. Understanding these formulas helps you compare loan costs or savings growth.
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