Kuɗi
Kalkuleta Mai Dawowa na Shekara-shekara
Canza jimlar ci gaban da aka samu a tsawon lokacin riƙewa zuwa ƙimar ci gaban shekara-shekara mai hade.
Ƙara zuwa wurin aikiƘimomin shigarwa
Ana sabunta sakamako yayin da kake rubutu. Babu maɓallin lissafi. Duk lissafin suna gudana a cikin burauzarka.
Dawowar shekara-shekara
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Takaitaccen Bayani
| Adadin | |
|---|---|
| Jimlar riba | — |
| Jimlar dawowa | — |
| Ƙimar ƙarshe | — |
Fara vs ƙarshe, a takaice
An auna sanduna zuwa mafi girma daga cikin ƙimomin biyu. Matsakaicin girma ɗaya yana ɓoye hanyar: hawa mai tsayi da kuma hawa mai canzawa na iya raba adadi iri ɗaya na shekara-shekara.
Hanyar ci gaba a wannan ƙimar shekara-shekara
| Shekara | darajar |
|---|
Hanyar tana amfani da ƙimar shekara-shekara daidai gwargwado kowace shekara. Ra'ayi ne mai santsi, ba rikodin abin da ya faru kowace shekara ba.
Ƙa’ida
Dawowar shekara-shekara = (ƙimar ƙarshe ÷ ƙimar farko)1 ÷ shekaru − 1. Jimlar dawowa = (ƙimar ƙarshe − ƙimar farko) ÷ ƙimar farko.
Misalin aiki
Ƙimar farko $10,000 tana girma zuwa $15,000 sama da shekaru 4: jimillar ribar $5,000, jimillar ribar 50.00%, da kuma ribar da aka samu a kowace shekara (15,000 ÷ 10,000)1/4 − 1 = 10.67%. Wannan shine daidaitaccen ƙimar shekara-shekara wanda zai kai $10,000 zuwa $15,000 a cikin shekaru 4.
Amfani da iyakoki
Wannan wani tsari ne mai santsi, mai kama da baya: yana ɗaukar cewa ci gaban yana haɗuwa daidai gwargwado kuma bai faɗi komai game da canjin yanayi, kuɗaɗe, haraji, hauhawar farashi, ko kuɗin da aka ƙara ko aka cire a lokacin ba. Ba za a iya kwatanta shi kai tsaye da matsakaicin riba mai sauƙi a kowace shekara ba, kuma ba hasashen ba ne.
FAQ
Shin ribar da aka samu a kowace shekara iri ɗaya ce da ribar da aka samu a kowace shekara?
A'a. Matsakaicin riba mai sauƙi na shekara-shekara ba ya yin la'akari da haɗakar riba. Adadin shekara-shekara (haɗakar riba) shine ƙimar da ta tsaya cak wanda ke sake haifar da jimlar ƙaruwa a tsawon lokacin.
Me zai faru idan ƙimar ƙarshe ta yi ƙasa da ƙimar farko?
Sakamakon ya zama mara kyau, wanda hakan daidai ne: ƙimar da aka ƙididdige ta kowace shekara tana nufin ƙimar ta ragu a daidai wannan saurin shekara.
Zan iya amfani da shi na ɗan lokaci fiye da shekara guda?
Eh, da shekaru a matsayin ƙalilan (misali 0.5 na tsawon watanni shida), amma yin shekara-shekara na ɗan gajeren lokaci yana ƙara girman motsi na ɗan gajeren lokaci, don haka a yi taka tsantsan da sakamakon.
Shin ya haɗa da rabon riba ko kuɗaɗen shiga?
Sai dai idan an riga an nuna su a cikin ƙimar ƙarshe da ka shigar. Raba hannun jari da aka sake sakawa yana ƙara ƙimar ƙarshe; kuɗin da aka biya yana rage shi.
Me yasa ya yi ƙasa da jimillar ribar da aka raba da shekaru?
Domin haɗakarwa tana yin wani ɓangare na aikin: 50% sama da shekaru 4 yana haɗuwa 10.67%, ba 12.50% a shekara ba, tunda ci gaban kowace shekara yana samun ci gaba a cikin shekaru masu zuwa.
Kayan aiki masu alaƙa
- Kalkuleta Mai Amfani da Haɗaɗɗen Riba - ci gaban aikin tare da gudummawar da ake bayarwa akai-akai
- ROI Kalkuleta - riba mai sauƙi akan saka hannun jari
- Kalkuleta na ritaya - ci gaban tanadi na dogon lokaci
Sakamako kimantawa ne kawai kuma ba ya nufin shawarar ƙwararru.