Duba yadda riba ta hada ke haɓaka kuɗinku akan lokaci. Shigar da saka hannun jari na farko, gudummawar wata-wata, da adadin dawo. Taswirar mai mu'amala da fitar PDF kyauta.
124.179,03 €
Darajar Nan Gaba
52.800,00 €
Jimlar Gudummawa
71.379,03 €
Jimlar Riba da aka Samu
An sabunta na ƙarshe:
Kalkuletan Ribar Tarawa
Ribar tarawa yana ɗaya daga cikin mafi ƙarfin ra'ayoyin kuɗi. Ba kamar ribar sauƙi ba, ribar tarawa ana ƙididdige ta ne a kan babban jari da ribar da aka tara daga lokutan da suka gabata. Wannan yana haifar da girma mai girma wanda Einstein ya ce "mu'ujizar takwas ta duniya."
Kalkuletanmu na kyauta yana ba ku damar ganin yadda kuɗinku ke girma a tsawon lokaci. Shigar da farkon jarin ku, gudunmawar wata-wata, adadin ribar da ake tsammani, da tsawon lokaci don ganin cikakken bayani na girma na shekara-shekara.
Yadda yake aiki
Tsarin lissafi na asali shine: A = P(1 + r/n)^(nt), inda A shine jimlar ƙarshe, P shine babban jari, r shine adadin shekara, n shine yawan lokutan tarawa, kuma t shine lokaci a cikin shekaru. Kalkuletanmu yana amfani da tarawa ta wata-wata (n=12), wanda shine ƙa'ida ga yawancin kayayyakin kuɗi.
Jari na €5,000 da farko a 7% na shekaru 20 yana girma zuwa kusan €19,348. Amma idan kun ƙara €200 a kowane wata, jimlar ta girma zuwa fiye da €123,000 — gudunmawar wata-wata da ribar tarawansu suna ɗaukar fiye da 80% na ƙimar ƙarshe.
Dokar 72
Raba 72 da adadin ribar shekara don ƙididdige tsawon lokacin da zai ɗauki kuɗinku su ninka. A 6% — shekaru 12, a 8% — kusan shekaru 9, a 10% — kusan shekaru 7.2.
Matsakaicin ribar tarihi: asusun hannun jari na kasuwar hannayen jari 7-10%, asusun shaidu 3-5%, asusun ajiya 1-3%. Don tsare-tsaren dogon lokaci, yi amfani da ribar gaskiya mai tsauri na 4-5% bayan hauhawar farashi.
Lokaci shine Mabuɗi
Mai jari da ya fara a shekara 25 da €200/wata a 7% zai sami kusan €525,000 a shekara 65. Wanda ya fara a shekara 35 da adadi ɗaya zai sami kusan €244,000 kawai — fara shekaru 10 kafin kawai ya ninka sakamakon fiye da ninki biyu.
Kuna tunanin ko za ku yi jari ko siyan gida da farko? Kalkuletan hayar da siya yana taimaka muku kwatanta kuɗin dogon lokaci. Ga waɗanda ke sarrafa bashi, kalkuletan bashi yana nuna cikakken hoton biyan kuɗi.
Mabuɗin Ka'idoji
Haɗin kai na shekara-shekara
A kan € 10,000 a 6% na shekaru 10 → € 17,908.
Haɗin kai kwata-kwata
Sharuɗɗa iri ɗaya → € 18,061. Mafi kyau kadan.
Haɗin kai kowane wata
Matsayin samfuran banki → € 18,194.
Haɗin yau da kullun
Matsakaicin sakamako → €18,221. Mafi ƙarancin riba sama da kowane wata.
Real vs nominal returns
A 7% maras muhimmanci da 2.5% hauhawar farashin kaya, ainihin ikon siye yana girma ~ 4.4% kowace shekara.
Sake saka hannun jari
Sake saka hannun jari na rarraba yana da cajin haɓakar tasirin na dogon lokaci.
Riba ta hada riba ce da ake ƙididdige ta akan babban jari na farko da riba da aka tara daga lokutan da suka gabata. Ba kamar riba mai sauƙi ba, wacce ake ƙididdige ta akan babban jari kawai, riba ta hada tana sa kuɗinku su girma yadda ya kamata akan lokaci — ana kiranta sau da yawa 'riba akan riba'.
Ana iya hada riba shekara-shekara, sau biyu a shekara, kowane kwata, kowane wata, ko har ma kullun. Kalkuletanmu yana amfani da hada wata-wata, wanda shine hanyar da yawancin bankuna da cibiyoyin kudi ke amfani da su. Hada akai-akai yana haifar da dawowar kaɗan mafi girma.
Gudummawar wata-wata na yau da kullun tana hanzarta gina dukiya sosai saboda kowane gudummawa tana fara samun riba ta hada nan take. Akan lokuta masu tsawo, riba da aka samu akan gudummawarku na iya wuce gudummawar kansu, yana ƙirƙira tasirin ƙugiya.
Ka'idar 72 hanya ce mai sauri don kiyasta tsawon lokacin da zai ɗauka don ninka kuɗinku. Raba 72 da adadin riba na shekara. Misali, a 6% riba, kuɗinku suna ninki a kusan shekaru 72/6 = 12.
Dawowar kasuwar hannayen jari ta tarihi yana matsakaici 7-10% a shekara kafin hauhawar farashin kaya (5-7% bayan hauhawar farashin kaya). Asusun ajiya yawanci suna ba 1-3%. Asusun shaidar bashi matsakaici 3-5%. Yi amfani da kiyasin mai ɗaci (5-7%) don tsarawa na dogon lokaci don yin la'akari da yawan canjin kasuwa.