财务 calculator (时间 数值 money)
Solve件the future value, starting amount, regular deposit, interest rate 或 any savings 的 time 或 investment problem.
关于Finance calculator (time value money)
Solve件the future value, starting amount, regular deposit, interest rate 或 any savings 的 time 或 investment problem.
属于 SmartCalcy“投资与储蓄”板块。它在你的浏览器中运行，无需账号，使用你自己的货币和单位（可在页面顶部更改），所给结果仅为估算、仅供参考，因此在依赖结果之前请查阅官方指引。
如何使用Finance calculator (time value money)
它计算什么，何时使用
what you know 的 A time-value-of-money solver. Fill 和 choose the one thing 至 find: the future value, the starting amount, the regular deposit, the interest rate 或 the time needed.
使用步骤
- Choose what 至 work out.
- the remaining boxes: start amount 的 Fill、regular 首付, 目标, 利率、年.
- Pick the 首付 和 compounding frequency. Tick the box if deposits are made at the start each period.
- Read the answer and,件future 数值, the year-by-year table.
各输入项的含义
- 初始金额 – What you have now.
- Regular 首付 – Added every 周期.
- 目标 数量 – The 余额 you want.
- 利率 – The nominal 每年 利率. It compounds once 每 首付 周期.
- Deposits 以 the 开始 – Annuity-due timing. 每件 首付 earns a 周期 多 interest 个.
如何阅读结果
- Future 数值 – The 余额 以 the 结束.
- 总计 put 英寸 和 interest earned – Your deposits 和 第 the grow 次.
公式
FV = PV × (1 + i)^n + PMT × ((1 + i)^n − 1) ÷ i、where i 是 the rate per period (yearly rate ÷ periods a year)、n the number periods. For deposits at the start、multiply the deposit term by (1 + i). The other four unknowns are solved from this equation; rate、time use the exact equation 或 a numerical search.
计算示例
每年 5,000 invested with 200 a month at 5%件10 年、compounded monthly, grows 至 29,000 的 39,291.50. You pay、earn 10,291.50 interest.
假设与局限
- The rate 是 fixed 和 compounding 匹配项 the 首付 频率.
- 否 税款, fees 或 inflation.
常见错误
- the 每年 利率 箱. 的 Entering a 每月 利率
- Mixing 首付 periods 和 compounding periods.
常见问题
What if the 利率 是 zero?
第 Grow 次 是 just your deposits added 至 the start amount.
罐 the answer be impossible?
是. For 示例 a 目标 below what your deposits already reach, 或 a rate that would need 至 be below −99%. The calculator says so.
相关工具
详情
- 总计 you put 英寸
- £29,000.00
- 利息 earned
- £10,291.50
逐年明细
| 年份 | Deposits | 利息 | 余额 |
|---|---|---|---|
| 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 |