Kikokotoo cha thamani ya baadaye
Kiasi ambacho pesa ya kuanzia na amana za mara kwa mara zitakua hadi, pamoja na jedwali la mwaka kwa mwaka.
Kuhusu Kikokotoo cha thamani ya baadaye
Kiasi ambacho pesa ya kuanzia na amana za mara kwa mara zitakua hadi, pamoja na jedwali la mwaka kwa mwaka.
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 thamani ya baadaye
Kinachohesabu na wakati wa kukitumia
Kinakadiria kiasi cha kuanzia na amana za mara kwa mara zitakua hadi wapi kwa muda, pamoja na jedwali la mwaka kwa mwaka na marekebisho ya mfumuko wa bei ukipenda.
Jinsi ya kukitumia, hatua kwa hatua
- Weka kiasi cha kuanzia na amana ya mara kwa mara.
- Chagua mara ngapi unaweka amana, kiwango cha mwaka na miaka.
- Ukipenda, weka mfumuko wa bei ili kuona matokeo kwa thamani ya pesa ya leo.
Maana ya kila ingizo
- Deposits na compounding – Riba ni added once kwa Malipo ya awali Kipindi.
- Inflation – Reduces the Matokeo hadi a real, today’s-money figure.
Jinsi ya kusoma matokeo
- Future Thamani – The Salio at the Mwisho.
- In today’s money – Future Thamani ÷ (1 + inflation)^Miaka.
- Mwaka kwa mwaka – Deposits, Riba na Salio Baada Kila kimoja mwaka.
Fomula
FV = PV × (1 + i)^n + PMT × ((1 + i)^n − 1) ÷ i.
Mfano uliofanyiwa kazi
10,000 plus 300 a month at 6% for 20 years, compounded monthly, becomes 171,714.31. You put in 82,000 and earn 89,714.31.
Dhana na mipaka
- A constant return. Real investment returns vary.
- Kodi na fees are excluded.
Makosa ya kawaida
- Treating a projected return as guaranteed.
- Forgetting inflation on ndefu horizons.
Maswali yanayoulizwa mara kwa mara
Tofauti na riba juu ya riba ni nini?
Zana hii inaongeza amana za mara kwa mara na jedwali la matokeo ya kila mwaka.
Zana zinazohusiana
Maelezo
- Jumla deposits
- £82,000.00
- Riba earned
- £89,714.31
Mwaka kwa mwaka
| Mwaka | Deposits | Riba | Salio |
|---|---|---|---|
| 1 | £3,600 | £717 | £14,317 |
| 2 | £7,200 | £1,701 | £18,901 |
| 3 | £10,800 | £2,968 | £23,768 |
| 4 | £14,400 | £4,534 | £28,934 |
| 5 | £18,000 | £6,420 | £34,420 |
| 6 | £21,600 | £8,643 | £40,243 |
| 7 | £25,200 | £11,226 | £46,426 |
| 8 | £28,800 | £14,190 | £52,990 |
| 9 | £32,400 | £17,559 | £59,959 |
| 10 | £36,000 | £21,358 | £67,358 |
| 11 | £39,600 | £25,613 | £75,213 |
| 12 | £43,200 | £30,353 | £83,553 |
| 13 | £46,800 | £35,607 | £92,407 |
| 14 | £50,400 | £41,407 | £101,807 |
| 15 | £54,000 | £47,787 | £111,787 |
| 16 | £57,600 | £54,782 | £122,382 |
| 17 | £61,200 | £62,431 | £133,631 |
| 18 | £64,800 | £70,774 | £145,574 |
| 19 | £68,400 | £79,853 | £158,253 |
| 20 | £72,000 | £89,714 | £171,714 |