Kuɗi
Kudin Biyan Kuɗi da Ba a Amfani da Shi Ba
Kimanta ɓarnar shekara-shekara daga biyan kuɗin da ba ku yi amfani da shi sosai ba: kuɗin wata-wata, amfani da kowane wata, abin da kowane amfani zai kashe in ba haka ba, da watanni marasa aiki.
Ƙara zuwa wurin aikiƘimomin shigarwa
Ana sabunta sakamako yayin da kake rubutu. Babu maɓallin lissafi. Duk lissafin suna gudana a cikin burauzarka.
Kimanta sharar shekara-shekara
—
—
Rushewa
| darajar |
|---|
Darajar da aka karɓa idan aka kwatanta da sharar shekara
Sandunan sun raba kuɗin shekara zuwa ɓangaren da ƙimar amfani ta rufe da kuma sauran bambancin.
Sharar shekara-shekara ta amfani da shi a kowane wata
| Amfani a kowane wata mai aiki | darajar |
|---|
Kuɗin wata-wata iri ɗaya, farashin madadin da watanni marasa aiki; amfani kawai a kowane wata mai aiki ya bambanta.
Ƙa’ida
Watanni masu aiki = 12 − watanni marasa aiki. Kudin madadin shekara-shekara = amfani ga kowane wata mai aiki × watanni masu aiki × farashin madadin. Bambanci = matsakaicin (kudin biyan kuɗi na shekara-shekara - farashin madadin shekara-shekara, 0). Kudaden watan rashin aiki wani ɓangare ne na kuɗin shekara-shekara, ba ƙarin hukunci ba.
Misalin aiki
Kudin wata-wata 68, amfani 2 a kowane watan amfani, madadin farashi 12 a kowane amfani da watanni 4 marasa amfani: kudin shekara = 68 × 12 = 816; watannin amfani = 12 − 4 = 8; madadin kudin = 2 × 8 × 12 = 192; bambanci = 816 − 192 = 624. Kudin watannin rashin amfani na 4 × 68 = 272 suna cikin kudin shekara tun farko. Waɗannan farashin misalai ne na ƙirƙira.
Amfani da iyakoki
Wannan kwatancen yana ɗauka cewa kun biya duk watannin 12 kuma kuna amfani da sabis ɗin a daidai lokacin da aka shigar a cikin watanni masu aiki kawai. Watanni marasa aiki suna rage amfani da shekara-shekara; an riga an haɗa kuɗin su kuma ba a ƙara su ba. Sauran fa'idodin biyan kuɗi, farashin sokewa da canjin farashi ba a yi su da tsari ba. Bambancin shine kwatantawa da biyan kowane amfani, ba garantin kuɗin da aka dawo da shi ta hanyar sokewa ba.
FAQ
Ta yaya ake ƙididdige wannan?
Rage farashin amfani da shekara ɗaya a madadin farashin ku daga kuɗin biyan kuɗi na shekara-shekara. Sakamakon ya gaza sifili.
Menene wata mai aiki?
Watan da kake amfani da sabis ɗin. Shigar da matsakaicin amfani na waɗannan watanni; watanni marasa aiki ba su da amfani.
An ƙirga kuɗin watan da ba a aiki ba sau biyu?
A'a. An nuna su a matsayin wani ɓangare na kuɗin shekara-shekara. Ba a ƙara su cikin bambancin ba.
Shin sokewa yana ceton duk wani bambanci?
Ba lallai ba ne. Kwatanta fa'idodin da kuke buƙata a zahiri, farashin madadin, duk wani kuɗin sokewa da sauran wa'adin kwangila.
Kayan aiki masu alaƙa
- Kalkuleta na Manufar Ajiyar Kuɗi — ana buƙatar adana kuɗi kowane wata don isa ga manufa
- Kalkuleta Kudin Wutar Lantarki — amfani da makamashi da farashi daga wattage da awanni
- Kalkuleta Mai Amfani da Haɗaɗɗen Riba — ƙaruwar tanadi tare da haɗa
Sakamako kimantawa ne kawai kuma ba ya nufin shawarar ƙwararru.