Kuɗi
Kalkuleta na Manufar Ajiyar Kuɗi
Kimanta gudummawar da ake buƙata a kowane wata don cimma burin tanadi na gaba.
Ƙara zuwa wurin aikiƘimomin shigarwa
Ana sabunta sakamako yayin da kake rubutu. Babu maɓallin lissafi. Duk lissafin suna gudana a cikin burauzarka.
Gudummawar wata-wata da ake buƙata
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Yadda aka cimma burin
| Adadin | |
|---|---|
| Adadin da ake buƙata na yanzu ya ƙaru zuwa ranar da aka nufa | — |
| Rage gudummawar dole ne ya rufe | — |
| Jimillar gudummawar wata-wata | — |
| Riba akan shirin | — |
Me ya ƙunshi burin
An auna sanduna zuwa ga burin. Riba akan gudummawar ba wani ɓangare ne na manufar ba, ba wai tanadin ku na yanzu ko biyan kuɗin ku na wata-wata ba ne ya rufe kai tsaye.
Daidaito a kowace shekara akan wannan shirin
| Shekara | Daidaito |
|---|
Gudummawa ƙarshen wata ne kuma ƙimar an gyara ta. Shekarar ƙarshe tana sauka akan manufar lokacin da gibin ya kasance tabbatacce.
Ƙa’ida
Kudin wata-wata = ƙimar shekara-shekara ÷ 12. Adadin yanzu mai girma = adadin yanzu × (1 + ƙimar wata-wata)watanni. Gudummawar da ake buƙata = (manufa − adadin yanzu mai girma) ÷ [((1 + ƙimar wata-wata)watanni − 1) ÷ kuɗin wata-wata]. Idan adadin da aka samu a yanzu ya riga ya kai ga abin da aka nufa, gudummawar da ake buƙata ita ce $0.
Misalin aiki
Manufa $50,000 a cikin shekaru 5, farawa daga $5,000 a 3%: $5,000 ya girma zuwa $5,808.08, yana barin gibin $44,191.92. Yaɗuwa akan gudummawar ƙarshen wata 60 a 0.25% a wata, gudummawar da ake buƙata ita ce $44,191.92 ÷ 64.65 = $683.59 a wata.
Amfani da iyakoki
Ana ɗaukar ƙimar da ta dace, ba a taɓa rasa gudummawar ba, kuma ana yin watsi da haraji, kuɗaɗe, da hauhawar farashi, don haka manufar tana cikin dala marasa adadi. Idan adadin da ake buƙata ya riga ya wuce abin da ake buƙata, ba a buƙatar gudummawa kuma an riga an ba da kuɗin shirin akan waɗannan zato.
FAQ
Me zai faru idan tanadi na yanzu ya riga ya wuce abin da ake buƙata?
To gudummawar da ake buƙata ita ce $0. Kalkuleta yana nuna adadin da ake buƙata a sama da abin da ake buƙata, kuma ba kwa buƙatar ƙara komai akan waɗannan zato.
Me yasa ƙarin kuɗi ke rage adadin wata-wata?
Domin riba tana rufe ƙarin gibin. Amma ƙarin ƙimar da ake tsammani kuma zato ne mai haɗari: idan ainihin riba ya yi ƙasa, shirin ya gaza.
Shin gudummawar da aka bayar a farkon ko ƙarshen wata ne?
Ƙarshen wata, daidai da kalkuleta na tushen. Farawa wata ɗaya a baya zai rage adadin da ake buƙata kaɗan.
Shin ya kamata a daidaita manufar don hauhawar farashin kaya?
Wannan kalkuleta yana aiki da daloli marasa adadi. Idan abin da ake nufi shine farashin gaba, shigar da adadin gaba mai yawa, ba farashin yau ba.
Me zai faru idan ba zan iya biyan kuɗin da ake buƙata ba?
Faɗaɗa lokacin da aka ƙayyade, ɗaga ƙimar da aka ɗauka kawai idan za ku iya ba da hujja, ko rage ƙimar da aka yi niyya. Kalkuleta yana nuna cinikin kai tsaye lokacin da kuka canza shekaru.
Kayan aiki masu alaƙa
- Kalkuleta Mai Amfani da Haɗaɗɗen Riba — ci gaban aikin gaba maimakon warwarewa baya
- Kalkuleta na ritaya — sigar dogon lokaci ta wannan ra'ayin
- Hanyar Tallafin Asusun Gaggawa — tsawon lokacin da tanadi ke ɗauka don biyan kuɗi
Sakamako kimantawa ne kawai kuma ba ya nufin shawarar ƙwararru.