المبلغ النهائي هو \(1000 \times (1 + 0.0125)^{12} \approx 1000 \times 1.1616 = 1161.

["# Understanding the Final Amount: ( 1000 \ imes (1 + 0.0125)^{12} \approx 1161 )", "When calculating future investments, loans, or savings growth, precise compound interest formulas play a crucial role in accurate financial planning. One frequently encountered computation is the final amount after compound interest:\n[\n\ ext{Final Amount} = P \ imes (1 + r)^n\n]\nwhere (P) is the principal, (r) is the annual interest rate, and (n) is the number of compounding periods.", "## How Compound Interest Works\nCompound interest refers to earning interest on both the initial principal and the accumulated interest over time. For example, saving ( P = 1000 ) (USD) at an annual interest rate of 1.25% (expressed as 0.0125 as a decimal) compounded annually for 12 years follows the formula:\n[\n1000 \ imes (1 + 0.0125)^{12}\n]", "## Breaking Down the Calculation\nLet’s examine the expression step-by-step:\n- Annual interest rate: 1.25% → ( r = 0.0125 )\n- Compounding periods: 12 years\n- Initial amount: ( P = 1000 )", "The calculation becomes:\n[\n1000 \ imes (1 + 0.0125)^{12}\n]", "Using exponentiation:\n[\n(1.0125)^{12} \approx 1.1616\n]", "This result means the initial investment grows to approximately 1.1616 times the principal.", "## Final Result and Interpretation\nMultiplying:\n[\n1000 \ imes 1.1616 = 1161\n]", "Hence, the final amount after 12 years at 1.25% annual compound interest is approximately $1161. This figure is essential for investors, savers, and financial planners to forecast growth accurately and evaluate long-term strategies.", "## Why This Calculation Matters\nUnderstanding compound interest empowers better financial decisions. Whether saving for retirement, evaluating loans, or planning big purchases, knowing how principal evolves over time is indispensable. The formula ( 1000 \ imes (1 + 0.0125)^{12} ) offers clarity and precision in projecting growth under consistent interest conditions.", "In summary, compound interest calculations like this form the backbone of financial literacy—enabling reliability in projections and informed growth planning.\n[\n\boxed{1161}\n]"]