Na'urar lissafin kuɗi (darajar kuɗi a lokaci)
Nemo darajar gaba, kuɗin farawa, ajiya na yau da kullum, kashin kuɗin ruwa ko lokaci a kowace matsalar ajiya ko zuba jari.
Game da Na'urar lissafin kuɗi (darajar kuɗi a lokaci)
Nemo darajar gaba, kuɗin farawa, ajiya na yau da kullum, kashin kuɗin ruwa ko lokaci a kowace matsalar ajiya ko zuba jari.
Ɓangare ne na sashen “Zuba jari & ajiya” na SmartCalcy. Yana aiki a burauzar ku ba tare da asusu ba, yana amfani da kuɗinku da ma'aunanku (canza su a saman shafin), kuma yana ba da ƙiyasi don bayani kawai, don haka duba jagorar hukuma kafin ku dogara da sakamako.
Yadda ake amfani da Na'urar lissafin kuɗi (darajar kuɗi a lokaci)
Abin da yake lissafawa da lokacin amfani da shi
Mai warware darajar kuɗi a lokaci (time value of money). Cike abin da kuka sani kuma zaɓi abu ɗaya da za a nemo: ƙimar gaba, adadin farawa, ajiya ta yau da kullum, kashin kuɗin ruwa ko lokacin da ake buƙata.
Yadda ake amfani da shi, mataki-mataki
- Zaɓi abin da za a lissafa.
- Cike sauran akwatunan: adadin farawa, ajiya ta yau da kullum, buri, kashi da shekaru.
- Zaɓi yawan ajiya da na tarawa. Yi alama a akwatin idan ana yin ajiya a farkon kowane lokaci.
- Karanta amsar kuma, ga ƙimar gaba, teburin shekara-shekara.
Ma'anar kowace shigarwa
- Adadin farko – What you have now.
- Regular Kuɗin farko – Added kowane Lokaci (period).
- Manufa Adadi – The Saura you want.
- Kashin kuɗin ruwa – The nominal yearly rate. It compounds once per deposit period.
- Deposits at the Farawa – Annuity-due timing. Each deposit earns a period of interest more.
Yadda ake karanta sakamako
- Future Ƙima – The Saura at the Ƙarshe.
- Jimilla put in da interest earned – Your deposits da ta the grow.
Dabarar lissafi
FV = PV × (1 + i)^n + PMT × ((1 + i)^n − 1) ÷ i, where i is the rate per period (yearly rate ÷ periods a year) and n the number of periods. For deposits at the start, multiply the deposit term by (1 + i). The other four unknowns are solved from this equation; rate and time use the exact equation or a numerical search.
Misali da aka warware
5,000 invested with 200 a month at 5% a year for 10 years, compounded monthly, grows to 39,291.50. You pay in 29,000 and earn 10,291.50 of interest.
Zato da iyakoki
- The rate shi ne fixed da compounding Daidai the Kuɗin farko frequency.
- No haraji, fees ko inflation.
Kurakuran da aka saba yi
- Entering a Kowane wata kashi a the Kowace shekara kashi akwati.
- Mixing Kuɗin farko periods da compounding periods.
Tambayoyin da ake yawan yi
Idan kashin sifili ne fa?
Haɓakar ita ce kawai ajiyarku da aka ƙara a kan adadin farawa.
Shin amsar za ta iya zama ba mai yiwuwa ba?
Ee. Misali buri da ke ƙasa da abin da ajiyarku ta riga ta kai, ko kashin da zai buƙaci ya kasance ƙasa da −99%. Na'urar lissafin tana faɗin haka.
Kayan aiki masu alaƙa
Cikakkun bayanai
- Jimilla you put in
- £29,000.00
- Kuɗin ruwa earned
- £10,291.50
Shekara-shekara
| Shekara | Deposits | Kuɗin ruwa | Saura |
|---|---|---|---|
| 1 | £2,400 | £312 | £7,712 |
| 2 | £4,800 | £762 | £10,562 |
| 3 | £7,200 | £1,358 | £13,558 |
| 4 | £9,600 | £2,107 | £16,707 |
| 5 | £12,000 | £3,018 | £20,018 |
| 6 | £14,400 | £4,098 | £23,498 |
| 7 | £16,800 | £5,356 | £27,156 |
| 8 | £19,200 | £6,801 | £31,001 |
| 9 | £21,600 | £8,443 | £35,043 |
| 10 | £24,000 | £10,292 | £39,292 |