Kuɗi
Kalkuleta Mai Amfani da Haɗaɗɗen Riba
Yi hasashen yadda daidaiton farko da gudummawar da ake bayarwa a kowane wata za su iya ƙaruwa a kan lokaci.
Ƙara zuwa wurin aikiƘimomin shigarwa
Ana sabunta sakamako yayin da kake rubutu. Babu maɓallin lissafi. Duk lissafin suna gudana a cikin burauzarka.
Darajar gaba
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Menene darajar da ake samu a nan gaba?
| Adadin | |
|---|---|
| Shugaban farko | — |
| Jimlar gudummawar da aka bayar | — |
| Ribar da aka samu | — |
| Darajar gaba | — |
Abin da ke haifar da jimillar
Ana auna sanduna zuwa ƙimar gaba. Riba ita ce sauran riba bayan babban jari da gudummawa: tana ƙaruwa da sauri a ƙarshen lokacin, lokacin da ma'auni ya fi girma.
Jimlar ƙarshen shekara
| Shekara | Daidaito |
|---|
Ana ƙara gudummawa a ƙarshen kowane wata kuma ana tara riba kowane wata.
Ƙa’ida
Kudin wata-wata = farashin shekara-shekara ÷ 12. Darajar gaba = babban × (1 + farashin wata-wata)watanni + gudummawa × [(1 + ƙimar kowane wata)watanni − 1] ÷ kuɗin wata-wata. Tare da ƙimar 0%, ƙimar gaba kawai babban gudummawa ne.
Misalin aiki
Babban $10,000, $500 a wata, 6% a shekara tsawon shekaru 10 (watanni 120): babban jarin ya girma zuwa $18,193.97, $60,000 na gudummawar ya girma zuwa $81,939.67, don darajar $100,133.64 a nan gaba. Ribar da aka samu shine $30,133.64 akan $70,000 da aka saka.
Amfani da iyakoki
Ana ɗaukar cewa kuɗin ya kasance daidai a duk tsawon lokacin, gudummawar tana ƙarshen wata ne kuma ba a taɓa rasa ta ba, kuma ba a haɗa da haraji, kuɗaɗe, da hauhawar farashi ba. Ribar gaske ta bambanta kowace shekara, don haka a ɗauki sakamakon a matsayin hasashen da aka yi a ƙarƙashin zato ɗaya da aka ƙayyade, ba alkawari ba.
FAQ
Ana ƙara gudummawa a farkon wata ko ƙarshen wata?
Ƙarshen watan, ya dace da tsarin kalkuleta na tushen. Gudummawar da aka bayar a farkon wata za ta sami ƙarin wata ɗaya na riba kowanne kuma ta ba da jimillar da ta ɗan fi girma.
Me ke faruwa a ƙimar 0%?
Darajar gaba kawai babban kuɗin ne tare da duk gudummawar, ba tare da riba ba. Kalkuleta yana kula da wannan lamarin kai tsaye maimakon raba shi da sifili.
Shin ƙimar da ta fi girma ko tsawon lokaci ta fi muhimmanci?
Dukansu mahaɗi, amma lokaci yana da tasiri na musamman: ribar da aka samu a ƙarshen lokacin ta shafi babban ma'auni, shi ya sa farawa da wuri sau da yawa yakan fi bayar da gudummawa daga baya.
Shin wannan kafin ko bayan haraji?
Kafin haraji, da kuma kafin kuɗaɗen shiga da hauhawar farashi. Asusun haraji yana rage adadin da ke kanun labarai.
Zan iya yin kwaikwayon gudummawar da ba ta dace ba?
Wannan fom ɗin yana amfani da takamaiman gudummawar wata-wata. Don ajiyar kuɗi ba bisa ƙa'ida ba, ƙara kowace gudummawar kuɗi a tsawon lokacin da ya rage har zuwa ranar ƙarshe ɗaya, sannan a ƙara waɗannan ƙimar nan gaba. Kada a ƙara sakamako tare da ranakun ƙarshe daban-daban.
Kayan aiki masu alaƙa
- Kalkuleta na Manufar Ajiyar Kuɗi — yi aiki baya daga manufa zuwa adadin wata-wata
- Kalkuleta na ritaya — girma a tsawon rayuwar aiki
- Kalkuleta Mai Dawowa na Shekara-shekara — mayar da jimlar girma zuwa ƙimar shekara-shekara
Sakamako kimantawa ne kawai kuma ba ya nufin shawarar ƙwararru.