Javascript -如何找到随时间推移的总余额复利？

function calculateCompoundInterest(principal, interestRate, time) {
  let totalBalance = principal;
  
  for (let i = 1; i <= time; i++) {
    totalBalance += totalBalance * interestRate;
  }
  
  return totalBalance;
}

const principal = 1000; // 初始本金
const interestRate = 0.05; // 年利率
const time = 5; // 年数

const finalBalance = calculateCompoundInterest(principal, interestRate, time);
console.log("最终余额：" + finalBalance);