Present Nilai calculator

Cara menggunakan Present Nilai calculator

Apa yang dihitung dan kapan digunakan

Present value tells you what money you will receive di the future adalah worth today, using a discount rate that reflects what you could earn atau the risk you are taking.

Cara menggunakan, langkah demi langkah

1. Enter the future lump Jumlah, dan any regular payment you will receive.
2. Choose how many payments per tahun, the Diskon Suku bunga, dan the tahun.
3. Read the present Nilai dan how much adalah lost sampai waiting.

Arti setiap input

• Tingkat diskonto – The Suku bunga used sampai bring future money back sampai today.
• Payments Pada the Mulai – Treats Per buah payment as arriving Pada the beginning its Periode.

Cara membaca hasil

• Present Nilai – Lump Jumlah dan payments valued today.
• Nilai lost sampai waiting – Total cash received minus its present Nilai.

Rumus

PV = FV ÷ (1 + r)^n + PMT × (1 − (1 + r)^−n) ÷ r. r adalah the rate per period dan n the number periods.

Contoh perhitungan

A lump sum 20,000 di 10 years at a 5% discount rate adalah worth 12,143.22 today. The 7,856.78 difference adalah the cost waiting.

Asumsi dan batasan

• The Diskon Suku bunga adalah constant.
• Inflation kaleng be included by using a real Suku bunga.

Kesalahan umum

• Using too Terendah a Diskon Suku bunga seharga risky money.
• Mixing Tahunan rates with Bulanan periods.

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