Kuɗi
Kalkuleta na Darajar Yanzu
Darajar yau ta jimlar kuɗi ta gaba a wani ƙimar rangwame da aka bayar — ƙimar lokaci ta kuɗi, tare da adadin rangwamen da aka nuna tare da shi.
Ƙara zuwa wurin aikiƘimomin shigarwa
Haɗawa shekara-shekara. Sabunta sakamakon yayin da kake rubutu. Duk lissafin suna gudana a cikin burauzarka.
Darajar yanzu
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Ƙa’ida
PV = FV ÷ (1 + r)n, inda FV shine jimlar gaba, r shine ƙimar rangwame ta shekara-shekara azaman adadi na goma, kuma n shine adadin shekaru. Rangwamen shine FV − PV: adadin da jimlar gaba ke ɓacewa ta jira. Wannan shine hoton madubi na haɓakar mahaɗi - dabarar ƙimar gaba tana gudana baya.
Misalin aiki
$10,000 da ake biya a cikin shekarun 10 a ƙimar rangwame ta shekara-shekara ta 5% yana da ƙimar yanzu ta $6,139.13 da rangwame na $3,860.87. Idan ana biya a cikin shekarun 5 maimakon haka, ƙimar yanzu ita ce $7,835.26 kuma rangwamen shine $2,164.74. Ninki biyu na lokacin jira ba ya ninka rangwamen: dabarar ta haɗa da abin da ke rage rangwame.
Amfani da iyakoki
Wannan shafin yana rage jimlar jimillar jimilla ɗaya a ƙimar shekara-shekara akai-akai tare da haɗakar shekara-shekara. Ba ya kula da jerin biyan kuɗi (wanda ke buƙatar lissafin annuity), canjin ƙimar akan lokaci, haɗakar wata-wata, haraji, ko daidaitawar hauhawar farashi - ƙimar rangwame mara suna da ƙimar gaske (wanda aka daidaita hauhawar farashi) suna ba da amsoshi daban-daban. Kudin da ka zaɓa shine yin duk aikin: ƙaramin canji a cikin r yana motsa ƙimar yanzu sosai a cikin dogon lokaci, don haka ɗauki sakamakon a matsayin kayan aiki na kwatantawa, ba farashin kasuwa ba.
FAQ
Me yasa jimlar gaba ta fi ƙasa da yau?
Domin ana iya saka hannun jari a yau kuma a haɓaka. $6,139.13 da aka saka a 5% na shekaru 10 ya zama $10,000, don haka adadin biyu daidai suke a wannan ƙimar - babu ciniki, ƙimar su iri ɗaya ne a lokuta daban-daban.
Wane farashi ya kamata in yi amfani da shi?
Ya dogara da tambayar. Don shawarar saka hannun jari, yi amfani da dawowar da ake tsammani ko farashin jari. Don kwatanta tayi, yi amfani da ƙimar iri ɗaya don kowane zaɓi don kwatancen ya yi daidai. Babu ƙimar daidai ɗaya.
Ta yaya wannan ya bambanta da ƙididdigar ƙimar nan gaba?
Sun kasance masu juyawa. Darajar gaba tana ƙara jimlar yanzu gaba (ninka da (1 + r)n); ƙimar yanzu tana rage jimlar nan gaba (raba da (1 + r)n). Dabara ɗaya, akasin haka.
Shin ƙimar da ta fi girma tana ƙaruwa ko rage ƙimar yanzu?
Ƙasa. Babban ƙimar rangwame yana nufin ana hukunta kuɗin nan gaba sosai, don haka ƙimar sa ta yanzu ta faɗi. A 10% maimakon 5%, $10,000 iri ɗaya a cikin shekarun 10 yana da darajar $3,855.43 kawai.
Yaya game da haɗa wata-wata?
Da zarar an haɗa shi kowane wata, mai rabawa zai zama (1 + r/12)12n, wanda ke sa ƙimar yanzu ta ɗan ƙarami fiye da adadin haɗa shekara-shekara. Wannan shafin yana amfani da haɗa shekara-shekara kuma yana faɗi haka; don jadawalin wata-wata, daidaita ƙimar da lokutan daidai gwargwado.
Shin ƙimar yanzu za ta iya zama mara kyau?
Wannan shafin yana karɓar adadin da ba na korau ba kuma yana nuna ƙimar da ba ta korau ba. Don ɗaukar alhaki a nan gaba, shigar da adadin da ya dace kuma fassara sakamakon a matsayin farashin da ya dace. Kuɗin da aka sanya hannu suna buƙatar wani tsari daban.
Kayan aiki masu alaƙa
- Mai ƙididdige Darajar Nan Gaba — dabarar iri ɗaya tana gudana gaba: menene jimlar jimillar da ke girma zuwa
- Kalkuleta Mai Amfani da Haɗaɗɗen Riba — girma tare da ƙarin gudummawa na yau da kullun
- Kalkuleta na Manufar Ajiyar Kuɗi — tanadin wata-wata da ake buƙata don cimma manufa
Sakamako kimantawa ne kawai kuma ba ya nufin shawarar ƙwararru.