Kalkulator keuangan (nilai wektu dhuwit)
Golek nilai mbesuk, jumlah awal, setoran rutin, suku bunga utawa wektu ing masalah tabungan utawa investasi apa wae.
Babagan Kalkulator keuangan (nilai wektu dhuwit)
Golek nilai mbesuk, jumlah awal, setoran rutin, suku bunga utawa wektu ing masalah tabungan utawa investasi apa wae.
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Carane nganggo Kalkulator keuangan (nilai wektu dhuwit)
Apa sing dietung lan kapan nganggo
Pemecah nilai wektu dhuwit (time value of money). Isi apa sing wis dingerteni lan pilih siji sing arep digoleki: nilai mbesuk, jumlah wiwitan, setoran rutin, suku bunga utawa wektu sing dibutuhake.
Carane nganggo, langkah demi langkah
- Pilih apa sing arep dietung.
- Isi kothak liyane: jumlah wiwitan, setoran rutin, target, suku bunga lan taun.
- Pilih frekuensi setoran lan pemajemukan. Centhang kothak yen setoran ditindakake ing wiwitan saben periode.
- Waca wangsulane lan, kanggo nilai mbesuk, tabel saben taun.
Tegese saben input
- Jumlah wiwitan – What you have now.
- Regular DP – Added saben Periode.
- Target Jumlah – The Saldo you want.
- Suku bunga – The nominal yearly rate. It compounds once per deposit period.
- Deposits at the Wiwit – Annuity-due timing. Each deposit earns a period of interest more.
Carane maca asile
- Future Nilai – The Saldo at the Rampung.
- Total put in lan Bunga earned – Your deposits lan Pangkat the grow.
Rumus
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.
Conto petungan
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.
Asumsi lan watesan
- The rate yaiku fixed lan compounding Sing cocog the DP Frekuensi.
- No pajak, fees utawa inflation.
Kesalahan umum
- Entering a Saben sasi tarif ing the Saben taun tarif kardus.
- Mixing DP periods lan compounding periods.
Pitakonan sing kerep ditakokake
Kepriye yen suku bungane nol?
Tuwuhe mung setoran panjenengan sing ditambahake ing jumlah wiwitan.
Apa wangsulane bisa ora mungkin?
Bisa. Contone target sing luwih asor tinimbang sing wis digayuh setoran panjenengan, utawa suku bunga sing kudune ing sangisore −99%. Kalkulator bakal ngandhani.
Piranti sing gegandhengan
Rincian
- Total you put in
- £29,000.00
- Bunga earned
- £10,291.50
Saben taun
| Taun | 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 |