Kikokotoo cha fedha (thamani ya pesa kwa wakati)
Tafuta thamani ya baadaye, kiasi cha kuanzia, amana ya mara kwa mara, kiwango cha riba au muda katika swali lolote la akiba au uwekezaji.
Kuhusu Kikokotoo cha fedha (thamani ya pesa kwa wakati)
Tafuta thamani ya baadaye, kiasi cha kuanzia, amana ya mara kwa mara, kiwango cha riba au muda katika swali lolote la akiba au uwekezaji.
Sehemu ya kitengo cha “Uwekezaji na akiba” cha SmartCalcy. Kinaendeshwa kwenye kivinjari chako bila akaunti, kinatumia sarafu na vipimo vyako (vibadilishe juu ya ukurasa), na kinatoa makadirio kwa taarifa tu, kwa hiyo angalia mwongozo rasmi kabla ya kutegemea matokeo.
Jinsi ya kutumia Kikokotoo cha fedha (thamani ya pesa kwa wakati)
Kinachohesabu na wakati wa kukitumia
Kitatuzi cha thamani ya pesa kwa wakati. Jaza unachokijua na uchague kitu kimoja cha kutafuta: thamani ya baadaye, kiasi cha kuanzia, amana ya mara kwa mara, kiwango cha riba au muda unaohitajika.
Jinsi ya kukitumia, hatua kwa hatua
- Chagua unachotaka kukokotoa.
- Jaza visanduku vilivyobaki: kiasi cha kuanzia, amana ya mara kwa mara, lengo, kiwango na miaka.
- Chagua mara ngapi amana zinawekwa na riba inajumuishwa. Weka tiki kwenye kisanduku ikiwa amana zinawekwa mwanzoni mwa kila kipindi.
- Soma jibu na, kwa thamani ya baadaye, jedwali la mwaka kwa mwaka.
Maana ya kila ingizo
- Kiasi cha kuanzia – What you have now.
- Regular Malipo ya awali – Added kila Kipindi.
- Lengo Kiasi – The Salio you want.
- Kiwango cha riba – The nominal yearly rate. It compounds once per deposit period.
- Deposits at the Anza – Annuity-due timing. Each deposit earns a period of interest more.
Jinsi ya kusoma matokeo
- Future Thamani – The Salio at the Mwisho.
- Jumla put in na interest earned – Your deposits na Cha the grow.
Fomula
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.
Mfano uliofanyiwa kazi
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.
Dhana na mipaka
- The rate ni fixed na compounding Yanayolingana the Malipo ya awali Marudio (frequency).
- No kodi, fees au inflation.
Makosa ya kawaida
- Entering a Kila mwezi kiwango huko the Kila mwaka kiwango boksi.
- Mixing Malipo ya awali periods na compounding periods.
Maswali yanayoulizwa mara kwa mara
Itakuwaje ikiwa kiwango ni sifuri?
Ukuaji ni amana zako tu zikiongezwa kwenye kiasi cha kuanzia.
Je, jibu linaweza kuwa haliwezekani?
Ndiyo. Kwa mfano lengo lililo chini ya kile amana zako tayari zinafikia, au kiwango ambacho kingehitaji kuwa chini ya −99%. Kikokotoo kitakuambia hivyo.
Zana zinazohusiana
Maelezo
- Jumla you put in
- £29,000.00
- Riba earned
- £10,291.50
Mwaka kwa mwaka
| Mwaka | Deposits | Riba | Salio |
|---|---|---|---|
| 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 |