Rayuwa
Kasafin Kuɗin Rayuwar Dabbobi
Yi samfurin kasafin kuɗin rayuwar dabba daga shekarun yanzu, tsawon rayuwar da ake tsammani, farashin shekara-shekara, haɓakar farashi, da ajiyar da ka ajiye.
Ƙara zuwa wurin aikiƘimomin shigarwa
Ana sabunta sakamako yayin da kake rubutu. Babu maɓallin lissafi. Duk lissafin suna gudana a cikin burauzarka.
Kasafin kuɗi na rayuwa
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Rushewa
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Kuɗin da aka daidaita da girma vs ajiyar
An auna sanduna zuwa babban adadi. Ajiye wani jimilla ne daban da ka ajiye; ba a bazu shi a cikin shekaru ba.
Kasafin kuɗi na jimilla a tsawon lokaci
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Adadin jimilla ya haɗa da ajiyar tun daga farko, don haka layin ƙarshe yana daidai da kasafin kuɗin rayuwa. Haɓaka farashi yana haɗuwa kowace shekara a ƙimar da kuka shigar.
Ƙa’ida
Ga sauran shekaru n da girma r: kasafin kuɗi = farashin shekara × ((1 + r)n − 1) ÷ r + ajiya. Idan babu girma, yi amfani da farashin shekara × n + ajiya. Sauran shekarun n = tsawon rai da ake tsammani − shekarun yanzu.
Misalin aiki
Shekaru 4, tsawon rai da ake tsammani 14 (10 sauran shekarun), farashin shekara 9,000, girma 4%, ajiya 15,000: farashin da aka daidaita girma = 9,000 × ((1.0410 − 1) ÷ 0.04) = 108,054.96, tare da ajiyar 15,000 = 123,054.96. Duk alkaluman da ke nan misalai ne na shigarwa, ba bayanan dabbobi ko kasuwa ba - maye gurbinsu da kuɗin ku.
Amfani da iyakoki
Wannan kasafin kuɗi ne na yau da kullun ta amfani da ƙimar tsawon rai da ci gaban farashi mai ɗorewa, ba kimantawar dabbobi ko inshora ba. Ba ya haɗa da komai da suna, amma yana ɗauke da abin da kuka saka kawai: idan inshora, abinci, kulawa ta yau da kullun da gaggawa ba su cikin kuɗin ku na shekara-shekara ko ajiyar ku ba, ba su cikin sakamakon. Tsawon rayuwa ba shi da tabbas; gwada gajeru da tsawon rai. Sauran shekarun ba za su iya zama marasa kyau ba.
FAQ
Ta yaya ake ƙididdige wannan?
Ga sauran shekaru da ci gaba r: kasafin kuɗi = farashin shekara-shekara × ((1+r)n − 1) ÷ r + ajiyar. Tare da sifili girma, yi amfani da farashin shekara-shekara × n + ajiyar.
Menene ajiyar ya rufe?
Duk abin da kake da niyyar biya - yawanci gaggawa ko kulawar ƙarshen rayuwa. Jimilla ce da aka ƙara sau ɗaya, ba adadin shekara-shekara ba.
Me wannan kimantawa ta haɗa?
Duk wani abu da ba ya cikin kuɗin ku na shekara-shekara ko ajiyar ku. Ba ƙimar kuɗin dabbobi ba ne kuma ba kimanta inshora ba; samfurin kasafin kuɗi ne da aka gina daga zato na ku.
Me yasa ci gaban farashi yake da mahimmanci haka?
Domin yana haɗaka: a 4% sama da 10 shekaru jimlar da aka daidaita girma (108,054.96) ya fi 10 shekaru masu kyau a 9,000 (90,000). Ƙaramin farashi yana canzawa zuwa manyan bambance-bambance.
Me zai faru idan dabbar gidana ta rayu fiye da yadda ake tsammani?
Kasafin kuɗi yana ƙaruwa da kowace shekara. Gudanar da lissafin a tsawon rai azaman duba hankali, ba kawai kimantawar tsakiya ba.
Shin CalcMintly yana adana bayanai na?
A'a. Wannan lissafin yana aiki a cikin gida a cikin burauzarka kuma ƙimar da ka shigar ba a aika ta zuwa ga bayanan CalcMintly ba.
Kayan aiki masu alaƙa
- Kudin Biyan Kuɗi da Ba a Amfani da Shi Ba — ɓarnar shekara-shekara daga biyan kuɗi marasa amfani
- Kalkuleta Kudin Wutar Lantarki — amfani da makamashi da farashi daga wattage da awanni
- Kalkuleta na Manufar Ajiyar Kuɗi — ana buƙatar adana kuɗi kowane wata don isa ga manufa
Sakamako kimantawa ne kawai kuma ba ya nufin shawarar ƙwararru.