Keuangan calculator (Waktu Nilai money)
Solve seharga the future value, starting amount, regular deposit, interest rate atau time di any savings atau investment problem.
Tentang Finance calculator (time value money)
Solve seharga the future value, starting amount, regular deposit, interest rate atau time di any savings atau investment problem.
Bagian dari bagian “Investasi dan tabungan” SmartCalcy. Berjalan di peramban Anda tanpa akun, memakai mata uang dan satuan Anda sendiri (ubah di bagian atas halaman), dan memberi perkiraan hanya untuk informasi, jadi periksa panduan resmi sebelum mengandalkan hasilnya.
Cara menggunakan Finance calculator (time value money)
Apa yang dihitung dan kapan digunakan
A time-value-of-money solver. Fill di what you know dan choose the one thing sampai find: the future value, the starting amount, the regular deposit, the interest rate atau the time needed.
Cara menggunakan, langkah demi langkah
- Choose what sampai work out.
- Fill di the remaining boxes: start amount, regular Uang muka, target, Suku bunga, dan tahun.
- Pick the Uang muka dan compounding frequency. Tick the box if deposits are made at the start each period.
- Read the answer and, seharga future Nilai, the year-by-year table.
Arti setiap input
- Jumlah awal – What you have now.
- Regular Uang muka – Added every Periode.
- Target Jumlah – The Saldo you want.
- Suku bunga – The nominal Tahunan Suku bunga. It compounds once per Uang muka Periode.
- Deposits Pada the Mulai – Annuity-due timing. Per buah Uang muka earns a Periode interest lagi.
Cara membaca hasil
- Future Nilai – The Saldo Pada the Selesai.
- Total put inci dan Bunga earned – Your deposits dan ke-the grow.
Rumus
FV = PV × (1 + i)^n + PMT × ((1 + i)^n − 1) ÷ i, where i adalah the rate per period (yearly rate ÷ periods a year), dan n the number periods. For deposits at the start, multiply the deposit term by (1 + i). The other four unknowns are solved from this equation; rate, dan time use the exact equation atau a numerical search.
Contoh perhitungan
5,000 invested with 200 a month at 5% per tahun seharga 10 tahun, compounded monthly, grows sampai 39,291.50. You pay di 29,000, dan earn 10,291.50 interest.
Asumsi dan batasan
- The rate adalah fixed dan compounding Kecocokan the Uang muka Frekuensi.
- Tidak Pajak, fees atau inflation.
Kesalahan umum
- Entering a Bulanan Suku bunga di the Tahunan Suku bunga dus.
- Mixing Uang muka periods dan compounding periods.
Pertanyaan yang sering diajukan
What if the Suku bunga adalah zero?
ke-Grow adalah just your deposits added sampai the start amount.
Kaleng the answer be impossible?
Ya. For Contoh a target below what your deposits already reach, atau a rate that would need sampai be below −99%. The calculator says so.
Alat terkait
Detail
- Total you put inci
- £29,000.00
- Bunga earned
- £10,291.50
Tahun demi tahun
| Tahun | Deposits | Bunga | Saldo |
|---|---|---|---|
| 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 |