Na'urar lissafin ajiya
Hasashen ƙaruwar ajiya bayan harajin kuɗin ruwa da hauhawar farashi, don ganin ainihin darajar kuɗin.
Game da Na'urar lissafin ajiya
Hasashen ƙaruwar ajiya bayan harajin kuɗin ruwa da hauhawar farashi, don ganin ainihin darajar kuɗin.
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 ajiya
Abin da yake lissafawa da lokacin amfani da shi
Yana hasashen yadda asusun ajiya ke girma bayan harajin kuɗin ruwa kuma yana nuna darajar sauran kuɗin bayan hauhawar farashi.
Yadda ake amfani da shi, mataki-mataki
- Shigar da kuɗin da ke cikin asusunku, ajiyar wata-wata, kashin kuɗin ruwa da shekaru.
- Ƙara kashin harajin kuɗin ruwa, ko bar shi babu komai ga asusun da ba a biyan haraji.
- Shigar da hauhawar farashi da ake tsammani kuma ku karanta adadin na suna (nominal) da na ainihi (real).
Ma'anar kowace shigarwa
- Kuɗin ruwa kashi (AER/APY) – The Kowace shekara kashi Bayan compounding.
- Haraji on Kuɗin ruwa – Applied zuwa the interest as it shi ne earned.
- Inflation – Used zuwa Juya the Saura into today’s money.
Yadda ake karanta sakamako
- Savings Bayan haraji – The final Saura.
- In today’s money – The Saura deflated by inflation.
- Real Kowace shekara return – Kashi Bayan haraji da inflation.
Dabarar lissafi
Net rate = rate × (1 − tax). Monthly rate = (1 + net)^(1 ÷ 12) − 1. Balance = PV × (1 + m)^n + deposit × ((1 + m)^n − 1) ÷ m. Real return = (1 + net) ÷ (1 + inflation) − 1.
Misali da aka warware
5,000 plus 250 a month at 4.2% for 10 years with 2.5% inflation grows to 44,594 with 35,000 paid in. In today’s money that is 34,836, and the real return is 1.66%.
Zato da iyakoki
- Rates stay fixed, which savings rates rarely do.
- Interest is taxed as earned, which simplifies allowances such as the UK Personal Savings Allowance.
Kurakuran da aka saba yi
- Ignoring inflation when judging whether your savings are growing in real terms.
Tambayoyin da ake yawan yi
Mene ne AER?
Kashin daidai na shekara (annual equivalent rate): kashin shekara har da tarawa. Ra'ayi ɗaya ne da APY a Amurka.
Kayan aiki masu alaƙa
Cikakkun bayanai
- Jimilla deposits
- £35,000.00
- Kuɗin ruwa Bayan haraji
- £9,593.56
- In today’s money
- £34,836.42Bayan 2.5% inflation
- Real Kowace shekara return
- 1.66%Bayan haraji da inflation
Shekara-shekara
| Shekara | Deposits | Saura | In today’s money |
|---|---|---|---|
| 1 | £3,000 | £8,267 | £8,066 |
| 2 | £6,000 | £11,672 | £11,109 |
| 3 | £9,000 | £15,219 | £14,133 |
| 4 | £12,000 | £18,916 | £17,137 |
| 5 | £15,000 | £22,768 | £20,123 |
| 6 | £18,000 | £26,781 | £23,093 |
| 7 | £21,000 | £30,963 | £26,048 |
| 8 | £24,000 | £35,321 | £28,990 |
| 9 | £27,000 | £39,862 | £31,919 |
| 10 | £30,000 | £44,594 | £34,836 |