Kuɗi
Mai ƙididdige Darajar Nan Gaba
Ƙara jimillar jimillar riba a mahaɗin haɗin gwiwa: ƙimar gaba, riba da aka samu, da haɓaka mai yawa daga ƙimar yanzu, ƙimar, shekaru, da mitar haɗin gwiwa.
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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Shekara-shekara
| Bayan | darajar | Ribar da aka samu zuwa yanzu |
|---|
Kowace layi tana amfani da mita da ƙimar da aka shigar iri ɗaya. Layin ƙarshe ya haɗa da ainihin yanayin shirin ku.
Ƙa’ida
Ma'aunin girma = (1 + ƙimar shekara-shekara ÷ lokutan haɗaka) da aka ɗaga zuwa (lokutan haɗa × shekaru). Ƙimar gaba = ƙimar yanzu × ma'aunin haɓaka. Ribar da aka samu = ƙimar gaba − ƙimar yanzu. Ma'aunin girma ya dogara da ƙimar, lokaci da mita; yana nan a bayyane ko da ƙimar yanzu sifili ce. Tsarin shekara sifili yana da ma'aunin girma 1.
Misalin aiki
$10,000 a 5% da aka haɗa kowace shekara don shekaru 10: ƙimar gaba = $10,000 × 1.0510 = $16,288.95. Ribar da aka samu shine $16,288.95 − $10,000 = $6,288.95, kuma yawan haɓakar shine 1.63×. Bayan shekaru 5 jimlar ɗaya ta kai $12,762.82.
Amfani da iyakoki
Wannan jimlar dunƙule ɗaya ce a ƙayyadadden ƙimar - babu ajiya ko cirewa akai-akai. Don biyan kuɗi na yau da kullun, yi amfani da lissafin tanadi-manufar kuɗi ko annuity maimakon. Ana ɗaukar ƙimar daidai gwargwado a duk tsawon lokacin; ribar saka hannun jari ta gaske ta bambanta kowace shekara. Haraji, kuɗaɗe, da hauhawar farashi ba a haɗa su ba, don haka sakamakon shine adadin da ba a san shi ba a nan gaba, ba ƙarfin siye ba.
FAQ
Shin yawan haɗakarwa yana da mahimmanci sosai?
Ee, amma ƙasa da ƙimar kuɗi da lokaci. Haɗakar wata-wata akan misalin yana ba da $16,470.09 maimakon $16,288.95 — kusan $181 fiye da shekaru 10. Haɗakar kowace rana yana ƙara ɗan ƙari kaɗan.
Menene bambanci da ribar haɗakarwa?
Babu a cikin lissafi: ribar haɗakarwa ita ce ribar da aka samu, ƙimar gaba ita ce jimillar. Wannan shafin yana nuna duka biyun don haka ba lallai ne ku cire da hannu ba.
Shin ƙimar za ta iya zama sifili?
Eh. A 0%, ƙimar gaba tana daidai da ƙimar yanzu kuma babu wani riba da aka samu.
Shin wannan yana da alaƙa da hauhawar farashin kaya?
A'a. Don kwatanta ƙarfin siye, raba ƙimar gaba da (1 + ƙimar hauhawar farashin kaya)shekaru, ko amfani da lissafin da aka daidaita da hauhawar farashin kaya.
Yaya game da ajiyar kuɗi na wata-wata?
Ba a haɗa su a nan ba. Jimlar kuɗi tare da ajiyar kuɗi yana buƙatar ƙimar gaba ta annuity da aka ƙara a sama - lissafi daban tare da dabarar sa.
Me yasa ƙananan bambance-bambancen farashi suke da mahimmanci sosai?
Saboda haɓaka girma yana haɗuwa: ribar kowace shekara tana samun riba a cikin shekaru masu zuwa. Fiye da shekaru 30, 6% maimakon 5% akan $10,000 yana ba $57,434.91 maimakon $43,219.42.
Kayan aiki masu alaƙa
- Kalkuleta Mai Amfani da Haɗaɗɗen Riba — irin wannan ci gaban, ana kallonsa a matsayin riba da aka samu kowace shekara
- Kalkuleta na Manufar Ajiyar Kuɗi — nawa za a adana a kai a kai don cimma burin da aka sa a gaba
- Kalkuleta na ritaya — ci gaban dogon lokaci tare da cire kuɗi a lokacin ritaya
Sakamako kimantawa ne kawai kuma ba ya nufin shawarar ƙwararru.