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现行利息计算是采用计单利息、分段计息的方法。即先计算出每段的天数,再利用公式:利息=本金×天数×月息(‰)÷30,计算出每段的利息;然后,把每段利息相加得出应付给储蓄户的利息。简便计算方法是把每段的天数乘以月息后相加,再乘以本金,除以30。公式为:利息=(天数×月息+………+………)×本金÷30。
The current interest calculation is based on the use of billing interest and method of segmented interest rate. That is, first calculate the number of days for each segment, and then use the formula: interest = principal × number of days × monthly interest (‰) ÷ 30 to calculate the interest for each segment; then, add each segment of interest to get to the savings account interest. The simple calculation method is to multiply the number of days in each segment by the monthly interest and multiply it by the principal, divided by 30. The formula is: interest = (number of days × monthly interest +.........+.........) × principal 30.