Na'urar lissafin darajar gaba (future value)
Abin da kuɗin farawa da ajiya na yau da kullum za su zama, tare da teburin shekara-shekara.
Game da Na'urar lissafin darajar gaba (future value)
Abin da kuɗin farawa da ajiya na yau da kullum za su zama, tare da teburin shekara-shekara.
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 darajar gaba (future value)
Abin da yake lissafawa da lokacin amfani da shi
Yana hasashen yadda adadin farawa da ajiya ta yau da kullum za su girma a tsawon lokaci, tare da teburin shekara-shekara da daidaita hauhawar farashi na zaɓi.
Yadda ake amfani da shi, mataki-mataki
- Shigar da adadin farawa da ajiya ta yau da kullum.
- Zaɓi sau nawa kuke ajiya, kashin shekara da shekaru.
- Idan kuna so, shigar da hauhawar farashi (inflation) don ganin sakamakon a darajar kuɗin yau.
Ma'anar kowace shigarwa
- Deposits da compounding – Kuɗin ruwa shi ne added once kowace Kuɗin farko Lokaci (period).
- Inflation – Reduces the Sakamako zuwa a real, today’s-money figure.
Yadda ake karanta sakamako
- Future Ƙima – The Saura at the Ƙarshe.
- In today’s money – Future Ƙima ÷ (1 + inflation)^Shekaru.
- Shekara-shekara – Deposits, Kuɗin ruwa da Saura Bayan Kowanne shekara.
Dabarar lissafi
FV = PV × (1 + i)^n + PMT × ((1 + i)^n − 1) ÷ i.
Misali da aka warware
10,000 plus 300 a month at 6% for 20 years, compounded monthly, becomes 171,714.31. You put in 82,000 and earn 89,714.31.
Zato da iyakoki
- A constant return. Real investment returns vary.
- Haraji da fees are excluded.
Kurakuran da aka saba yi
- Treating a projected return as guaranteed.
- Forgetting inflation on tsawo horizons.
Tambayoyin da ake yawan yi
Mene ne bambancinsa da kuɗin ruwa mai tarawa (compound interest)?
Wannan kayan aiki yana ƙara ajiya ta yau da kullum da teburin sakamakon shekara-shekara.
Kayan aiki masu alaƙa
Cikakkun bayanai
- Jimilla deposits
- £82,000.00
- Kuɗin ruwa earned
- £89,714.31
Shekara-shekara
| Shekara | Deposits | Kuɗin ruwa | Saura |
|---|---|---|---|
| 1 | £3,600 | £717 | £14,317 |
| 2 | £7,200 | £1,701 | £18,901 |
| 3 | £10,800 | £2,968 | £23,768 |
| 4 | £14,400 | £4,534 | £28,934 |
| 5 | £18,000 | £6,420 | £34,420 |
| 6 | £21,600 | £8,643 | £40,243 |
| 7 | £25,200 | £11,226 | £46,426 |
| 8 | £28,800 | £14,190 | £52,990 |
| 9 | £32,400 | £17,559 | £59,959 |
| 10 | £36,000 | £21,358 | £67,358 |
| 11 | £39,600 | £25,613 | £75,213 |
| 12 | £43,200 | £30,353 | £83,553 |
| 13 | £46,800 | £35,607 | £92,407 |
| 14 | £50,400 | £41,407 | £101,807 |
| 15 | £54,000 | £47,787 | £111,787 |
| 16 | £57,600 | £54,782 | £122,382 |
| 17 | £61,200 | £62,431 | £133,631 |
| 18 | £64,800 | £70,774 | £145,574 |
| 19 | £68,400 | £79,853 | £158,253 |
| 20 | £72,000 | £89,714 | £171,714 |