Ƙididdige nawa kuke bukata don ajiya kowane wata don kai manufar kuɗinku. Ya haɗa da riba, jadawalin lokaci, da taswirar tsinkayar ajiya.
147,05 €
Ajiya da ake Bukata a Wata-Wata
60
Biyan Wata-Wata
5 years
September 2031
Ranar Manufa
8.822,74 €
Jimlar Gudummawa
1.177,26 €
Riba da aka Samu
10.000,00 €
Jimla da ake Tsammani
An sabunta na ƙarshe:
Kalkuletan Burin Ajiya
Burin ajiya adadi ne na musamman na kuɗi da kuke son tarawa kafin wani lokaci — ko don asusun gaggawa, hutu, mota, ko kuɗin gaba. Kalkuletan yana amfani da tsarin lissafi na PMT (Biya) na al'ada, yana la'akari da ajiyarku na yanzu da adadin riba.
Tare da tarawa na wata-wata, ana raba adadin shekara da 12. Ajiye €200/wata a 4% na shekaru 10 yana haifar da kusan €29,400 a gudunmawa, amma sauran ƙarshe ya kai kusan €36,800. Riba ta ƙara fiye da €7,400 — ba tare da ƙarin ƙoƙari ba.
Adadin Riba
Adadin da ya dace ya dogara ne a kan inda kuke ajiye kuɗinku. Don burin ɗan gajeren lokaci (har zuwa shekaru 2), yi amfani da adadin tsauri na 2-3%. Don burin dogon lokaci (shekaru 5+) tare da jari, kuna iya amfani da 5-7%.
Adadin tunani na 2025: asusun ajiya na banki 1.5-3.5%, asusun kasuwar kuɗi 3-4%, shaidu na gwamnati 3-5%, asusun hannun jari 5-8% (matsakaicin tarihi, haɗari mafi girma).
Asusun Gaggawa
Masanan kuɗi suna ba da shawarar gina asusun gaggawa na watanni 3-6 na kuɗin rayuwa kafin bin wani burin ajiya. Yana kare ku daga kuɗin da ba a yi tsammani ba ba tare da lalata ajiya na dogon lokaci ba.
Saita burin zuwa 3× kuɗin rayuwanku na wata-wata, tsawon lokaci zuwa watanni 12, kuma ganin gudunmawar wata-wata da ake buƙata. Dabarar da ta fi tasiri ita ce umarni na tsaye da aka saita don ranar bayan biyan albashi — "biya kanka da farko."
Dabarun Aiki
Dokar 50-30-20
50% na buƙatu, 30% don buƙatu, 20% don tanadi. Idan gudunmawar da ake buƙata ta wuce 20%, tsawaita lokacin ko rage burin.
Mai sarrafa kansa
Sanya oda na tsaye don rana bayan ranar biya - kafin ku sami damar kashe kuɗin.
Rarraba asusun kowane burin
Ajiye asusu daban don manufa daban-daban (asusun gaggawa, hutu, mota). Mafi sauƙi don bin diddigin ci gaba.
Ƙara hankali
Kowane samun kuɗin shiga → ƙara yawan tanadi daidai gwargwado. Ko da € 20 / watan fiye yana da babban tasiri na dogon lokaci.
Sake saka hannun jari ya dawo
Kada ku janye sha'awa - sake saka hannun jari. Wannan shine ikon hadaddiyar sha'awa.
Bita kowane wata 6
Bincika burin ku sau biyu a shekara. Daidaita adadin idan yanayin ku ya canza.
Muna amfani da tsararriyar dabarar Ƙimar Yanzu ta Annuity (PMT). Ajiyarku ta yanzu tana girma da adadin riba da aka ƙayyadewa, kuma gudummawar wata-wata da ake bukata tana yin ragowar bambancin don kai manufar ku ta lokacin ƙarshen wa'adi.
Yi amfani da adadin riba na shekara-shekara da asusun ajiyarku, asusun kasuwar kuɗi, ko asusun saka hannun jari ke bayarwa. A 2024–2025, asusun ajiya na Turai suna ba 2–4% a shekara. Idan kun saka hannun jari a asusun index, kiyasin mai ɗaci shine 5–7% a shekara.
Eh. Idan kun saita adadin riba zuwa 0%, kalkuletan kawai yana raba adadin da ya rage (manufa minus ajiyar yanzu) da yawan watanni. Wannan yana da amfani don manufar ajiya na gajeren lokaci ba tare da riba ba.
Idan ajiyarku ta yanzu, tare da riba ta hada, za ta riga ta wuce manufar ku kafin ƙarshen wa'adi, gudummawar wata-wata da ake bukata tana nuna €0. Ajiyarku za ta girma don kai manufar da kansu.
Riba ta hada tana nufin ribar ku tana samun riba. Tsawon jadawalin lokacin ku da adadin mafi girma, wannan tasiri ya fi ƙarfi. Manufar €10,000 akan shekaru 5 a 4% tana buƙatar kusan €150/wata; manufar iri ɗaya akan shekaru 10 tana buƙatar kusan €68/wata kawai.