Kikokotoo cha akiba
Kadiria ukuaji wa akiba baada ya kodi kwenye riba na mfumuko wa bei, ili kuona thamani halisi ya pesa hizo.
Kuhusu Kikokotoo cha akiba
Kadiria ukuaji wa akiba baada ya kodi kwenye riba na mfumuko wa bei, ili kuona thamani halisi ya pesa hizo.
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 akiba
Kinachohesabu na wakati wa kukitumia
Kinakadiria jinsi akaunti ya akiba inavyokua baada ya kodi kwenye riba na kuonyesha thamani ya salio baada ya mfumuko wa bei.
Jinsi ya kukitumia, hatua kwa hatua
- Weka salio lako, amana ya kila mwezi, kiwango cha riba na miaka.
- Ongeza kiwango cha kodi kwenye riba, au acha wazi kwa akaunti isiyotozwa kodi.
- Weka mfumuko wa bei unaotarajiwa na usome salio la kawaida na halisi.
Maana ya kila ingizo
- Riba kiwango (AER/APY) – The Kila mwaka kiwango Baada compounding.
- Kodi on Riba – Applied hadi the interest as it ni earned.
- Inflation – Used hadi Geuza the Salio into today’s money.
Jinsi ya kusoma matokeo
- Savings Baada kodi – The final Salio.
- In today’s money – The Salio deflated by inflation.
- Real Kila mwaka return – Kiwango Baada kodi na inflation.
Fomula
Net rate = rate × (1 − tax). Monthly rate = (1 + net)^(1 ÷ 12) − 1. Balance = PV × (1 + m)^n + deposit × ((1 + m)^n − 1) ÷ m. Real return = (1 + net) ÷ (1 + inflation) − 1.
Mfano uliofanyiwa kazi
5,000 plus 250 a month at 4.2% for 10 years with 2.5% inflation grows to 44,594 with 35,000 paid in. In today’s money that is 34,836, and the real return is 1.66%.
Dhana na mipaka
- Rates stay fixed, which savings rates rarely do.
- Interest is taxed as earned, which simplifies allowances such as the UK Personal Savings Allowance.
Makosa ya kawaida
- Ignoring inflation when judging whether your savings are growing in real terms.
Maswali yanayoulizwa mara kwa mara
AER ni nini?
Kiwango sawa cha mwaka: kiwango cha mwaka kinachojumuisha riba juu ya riba. Ni wazo lile lile la APY nchini Marekani.
Zana zinazohusiana
Maelezo
- Jumla deposits
- £35,000.00
- Riba Baada kodi
- £9,593.56
- In today’s money
- £34,836.42Baada 2.5% inflation
- Real Kila mwaka return
- 1.66%Baada kodi na inflation
Mwaka kwa mwaka
| Mwaka | Deposits | Salio | In today’s money |
|---|---|---|---|
| 1 | £3,000 | £8,267 | £8,066 |
| 2 | £6,000 | £11,672 | £11,109 |
| 3 | £9,000 | £15,219 | £14,133 |
| 4 | £12,000 | £18,916 | £17,137 |
| 5 | £15,000 | £22,768 | £20,123 |
| 6 | £18,000 | £26,781 | £23,093 |
| 7 | £21,000 | £30,963 | £26,048 |
| 8 | £24,000 | £35,321 | £28,990 |
| 9 | £27,000 | £39,862 | £31,919 |
| 10 | £30,000 | £44,594 | £34,836 |