其中，F為付款的總額（本金加全數累計利息），而P， R，T則在單利的情況下為同樣的。 Where F is the future total repayment value of the loan (principal plus total accumulated interest)and P, R, and T are the same as noted for simple interest.
使用單利法，僅支付未償還本金的利息； With the simple interest method, it is simply the outstanding balance.
例如，假如用單利計算你在一個年利率為5％的賬戶存入5000美元，5年後你每年賺250美元，利息總計1250美元。 For example, if you had $5, 000 in an account that paid 5%annually in simple interest for five years, you’d earn $250 a year, for a total of $1, 250 in interest.
那麼什麼是單利呢？ So what is it simple interest ?
單利是整個利率家族最單純的人物，也是最為大家所熟知的。 Simple interest rate is the most simple person family, and most will be familiar.
計算利息有兩種方法： 單利與複利。 There are two ways of calculating interest : simple interest and compound interest .
我們將首先解釋複利和單利的區別。 We will first explain the distinction between compound interest and simple interest.
財務數學： 單利與複利， 年金之現值與未來值。 Mathematics of Finance: Simple and Compound Interest, Present and Future Value of Annuity.
拉里每年能從3000美圓投資中獲益單利213美圓，大約8%，那麼在每一比率上需投資幾？ Larry has an annual return of $213 from $3000 invested at simple interest, some at 8%.
只生單利，那意味利息與本金是分開計算的。 It may earn simple interest, whichmeans the interest is figured on your principal alone
單利不能反映貨幣的時間價值，因為根據單利概念利息並不賺取利息。 Simple interest does not reflect this time value of money because interest doesn't earn interest.