c语言计算银行本息和存款

在C语言中，计算银行本息和通常涉及到复利计算，特别是对于定期存款。下面是一个简单的例子，假设年利率、计息方式（比如简单利息或复利）、存款期数和每次存款金额都是固定的：

#include <stdio.h>

// 定义函数，输入本金、年利率、期限以及计息次数，返回总利息和总额
double calculate_total(double principal, double annual_rate, int years, int compounding_times) {
    double interest = principal * (annual_rate / compounding_times);
    double total_after_years = principal + interest;
    if (compounding_times > 1) { // 如果是复利，需要多次累加
        for (int i = 1; i < years; i++) {
            interest = total_after_years * (annual_rate / compounding_times);
            total_after_years += interest;
        }
    } else { // 简单利息
        for (int i = 0; i < years; i++) {
            interest *= (1 + annual_rate);
            total_after_years += interest;
        }
    }
    return total_after_years;
}

int main() {
    double deposit_amount = 10000.0; // 存款本金
    double rate = 0.05; // 年利率，如5%
    int years = 3; // 存款年限
    int compounding_times_per_year = 1; // 每年计息一次

    double total_with_interest = calculate_total(deposit_amount, rate, years, compounding_times_per_year);
    printf("存款 %lf 元，年利率 %.2f%%，存款 %d 年后的本息和为 %.2f 元.\n", deposit_amount, rate * 100, years, total_with_interest);

    return 0;
}