Imidwebo yokusebenzisana, amajedwaba okukhokha, nokukhiphwa kwe-PDF. Akudingi ukubhalisa, akukho mholo ofihlekiwe.
Inkokhelo yenyanga
842 €
72% inxenye enkulu
Izinga lenzalo
4.2%
izinga lamaphesenti ngomnyaka
Inzalo elondoloziwe
12 480 €
Bala izinkokhelo zenyanga zesikweletu, izindleko zenzalo eyonke, ubuke uhlelo olugcwele lokukhokha. Qhathanisa izinhlelo zenkokhelo ezilingana nezehla ngezihlangothimbili. Khipha imiphumela yakho ku-PDF ngokucofa kanye.
Hlela ukuthenga kwakho kwendlu ngokusetshenziswa okugcwele kwezindleko zemorgeji, kuhlanganisa izindleko zenotari, umshwalense, nentela yokudluliswa kwempahla. Thola kahle ukuthi iyiphi iholo eniyidingayo. Uhlelo olugcwele lokukhokha luhlotshisiwe.
Bala inkokhelo yakho yenyanga yokuqashwa usebenzisa izindlela ze-EU (balloon annuity) noma ze-US (money factor). Kuhlanganisa inkokhelo ephansi, inani elisasele, nokwehlulwa kwezindleko eziphelele. Qhathanisa izindlela zombili ngezihlangothimbili ukhiphe ku-PDF.
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Bona ukuthi izinsizwa zakho nezifondale zikhula kanjani ngokuhamba kwesikhathi ngenzalo ebhinqiwe nezinzuzo ezijwayelekile. Bona amandla okwengeza kabusha izinzuzo ngomudwebo wokusebenzisana. Qhathanisa izinga ezihlukene nezizinda zezikhathi ngokushesha.
Thola nini ukuthenga indlu sekuzoba namphethelwa nokunye kunokulungele ukuqasha ngokuqhathaniswa okunemininingwane kwezindleko zesikhathi eside. Kuhlanganisa izindleko zemorgeji, ithuba lokusebenzisa imali yokukhokha phansi, nokukhula kwempahla. Bona umkhawulo wokulingana emudwebweni.
Thola kahle ukuthi uze unenge malini ngenyanga ukufinyelela inhloso yakho yezimali ngesikhathi esifanele. Ibala inzalo ebhinqiwe ukuphakamisa ukonga kwakho. Lungisa isikhathi nesizinda sentengo ukuthola uhlelo lwakho oluhambisana nawe.
Bala ukuthi izifondale zakho zenyanga ze-SIP zikhula kanjani ngokuhamba kwesikhathi ngamandla okwengeza. Bona imiphumela eholelwa, inani elongelwe, nomcebo utholakele ngomudwebo wokusebenzisana. Hlela isu lakho lokufondelwa isikhathi eside.
Bala amaphesenti ngokushesha, thola ukuthi inombolo eyodwa ingamaliphi amaphesenti enye, noma bala ukuguquka kwamaphesenti phakathi kwamavelu amabili. Igwala zonke izinkinga zokujwayeleka zamaphesenti ethuluzi elilodwa. Imiphumela yangesikhathi esifanayo ngaphandle kwenkinobho.
Engeza noma susa i-VAT emazweni angama-30 aseYurophu ngokucofa kanye. Ixhasa wonke amavoti ajwayelekile, ahungulwa, nawangeziwe ahungulwa e-VAT. Khombisa ngokushesha intengo engenamali, inani le-VAT, nentengo eyengeziwe.
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Bala imali ongayithola ngempela ekhokhelweni lakho kusukela kuholo eliphelele wase-US, UK, Germany, India, ne-Canada — kufakwe intela yemali engenayo neminikelo yezenhlalakahle.
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Shintsha phakathi kwezinhlobo ezingama-30 zemali ezinkulu emhlabeni usebenzisa amanani okushintshanisa avuselelwa nsuku zonke, aphuma eBhange Elikhulu LaseYurophu.
Bala amanani okuthengisa, hlanganisa amasaphulelo amaningi ngendlela efanele, noma uthole inani lokuqala kusukela enanini elehliswe ngesaphulelo.
Thola ukuthi udinga malini ukuze uthathe umhlalaphansi nokuthi uhlelo lwakho lwamanje lokonga luhamba kahle yini, usebenzisa umthetho wokukhipha we-4%.
Bala inzuzo kutshalomali nenzuzo yaminyaka yonke (i-CAGR) kusukela enanini lokuqala kuya kwelokugcina.
Bala izindleko zikagesi zamathuluzi akho — nsuku zonke, ngenyanga, nangonyaka — ngokusekelwe kumandla nentengo yakho kagesi.
Bala izindleko zepharafini zohambo oluthile noma isabelo sakho senyanga. Qhathanisa izindleko zebhensini, idizili, i-LPG, nezimoto zikagesi ezinemali ezihlukene. Faka ukusetshenziswa kwemoto yakho nentengo yamanje yepharafini ukuthola imiphumela ngokushesha.
Bala inani lethiphu uhlange ibhili eliphelele ngokufana phakathi nabantu abaningi. Ixhasa amaphesenti ethiphu ngokukhethwa namazinga eqembu. Akusekho izibalo zengqondo edayini.
Bona ukuthi izimpahla ezifanayo zizobiza malini esikhathini esizayo nokuthi amandla emali yakho okuthenga azokwehla ngangakanani.
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Bala i-BMI yakho (Body Mass Index) uthole ukuthi ufela koluphi uhlobo lwabasebenzi. Bona isikhewu sakho sesisindo esiphilile ngokuya ngobude bakho. Kuhlanganisa iziwombe zombili eziyizintambo nezingezinhle.
Thola izidingo zakho zamakalori nsuku zonke ne-TDEE (Total Daily Energy Expenditure) ngokuya ngeminyaka yakho, isisindo, ubude, namazinga okusebenza. Beka inhloso yokulahla noma ukwengeza isisindo uthole inani lamakalori omgomo wakho. Isebenzisa indlela ye-Mifflin-St Jeor.
Thola isisindo sakho esifanele somzimba usebenzisa izindlela ezine zezobuchwepheshe: Hamwi, Devine, Robinson, noMiller. Bona isikhewu sesisindo esiphilile nge-BMI sobude bakho. Imiphumela ikhombiswa wabesilisa nabesifazane.
Bala Ingqikithi Yezindleko Zamandla Zansuku Zonke Nesilinganiso Se-Basal Metabolic ngokusekelwe eminyakeni yobudala, isisindo, ubude, kanye nezinga lomsebenzi. Zibekele umgomo wekhalori wokuncipha, ukunakekela, noma ukuzuza.
Bala iphesenti lamafutha omzimba wakho usebenzisa indlela ye-US Navy ngentamo, ukhalo, nezilinganiso zenyonga. Kufaka phakathi izigaba zamafutha omzimba amadoda nabesifazane kanye nokwahlukaniswa kokwakheka komzimba okubonakalayo.
Bala usuku lwakho olulinganiselwe lokukhulelwa ngesikhathi sokugcina sokuya esikhathini, usuku lokukhulelwa, noma ukudluliswa kwe-IVF. Bona iminyaka yokukhulelwa, i-trimester, nazo zonke izinyathelo ezibalulekile zokukhulelwa.
Linganisela isikhathi sakho sokuzala, usuku lwe-ovulation, nesikhathi sakho esizayo sesikhathi ngokusekelwe kumjikelezo wakho.
Thola isikhathi esihle kakhulu sokulala noma sokuvuka ngokusekelwe kumjikelezo wokulala wemizuzu engu-90.
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Bala ukuthi udinga upende omingaki egumbini — ngamalitha nangamagabha — ngokusekelwe kubukhulu bodonga, izigaba zopende, nezikhala.
Thola iminyaka yakho eqondile ngeminyaka, izinyanga, nezinsuku kusuka kunoma iyiphi idethi yokuzalwa. Bona ingqikithi yezinsuku namaviki aphile, izinsuku kuze kube usuku lwakho lokuzalwa olulandelayo, uphawu lwe-zodiac, nesilwane sase-Chinese sezinkanyezi.
Bala i-GPA yakho enesisindo usebenzisa isikali sase-US 4.0 noma isistimu yokugreda yamaphuzu angu-6 yaseYurophu. Engeza izifundo ezinamahora esikweletu ukuze uthole isilinganiso esinesisindo esinembile.
Bala inani eliqondile lezinsuku, amasonto, izinyanga, neminyaka phakathi kwamadethi amabili. Kubandakanya ukubala kwezinsuku zokusebenza kanye nokwahlukaniswa konyaka/inyanga/usuku olugcwele.
Bala ukuthi udinga ukhonkolo ongakanani kuma-slabs, amakholomu, nezinyawo. Ibonisa ivolomu kuma-cubic metres namayadi, kanye nenani lezikhwama ezidingekayo kumasayizi wemethrikhi kanye nama-imperial.
Bala ukuthi mangaki amathayili owadingayo ukuze uvale iphansi noma udonga. Faka indawo yegumbi, usayizi wethayela, namaphesenti okumosha. Ngokuzithandela thola inani lamabhokisi adingekayo.
Bala ukuthi udinga i-mulch, amatshe, isihlabathi, inhlabathi, noma inhlabathi engaphezulu kangakanani ngendawo nokujula. Ibonisa ivolumu, isisindo, kanye nenani lezikhwama ezidingekayo.
Shintsha ubude, isisindo, izinga lokushisa, umthamo, ubukhulu, nesivinini phakathi kwesistimu ye-metric neye-imperial.
Amamaki esifundo asindiwe kanye namaphuzu odinga ukuwathola ekuhlolweni kokugcina.
Hlanganisa, susa, phindaphinda, futhi wahlukanise amaqhezu, uwenze abe lula kakhulu, futhi uguqule izinombolo ze-decimal zibe amaqhezu.
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izibali
Izinqumo ezinhle zemali ziqala ngezizikhombisi ezisobala. CalcHere inikeza izibali zamahhala ku-inthanethi zezikweletu, imali yendlu, ukonga, i-VAT, nezindleko zepharafini — akudingi ukubhalisa, akukho mholo ofihlekiwe, akudingi ukulinda. Faka izinombolo zakho uthole umphumela ochanile ngemizuzwana.
Uzokhokhela malini ngempela?
Isibali zethu sesikweletu sibala inkokhelo yakho yenyanga, inzalo eyonke, nohlelo olugcwele lokukhokha usebenzisa indlela ejwayelekile ye-annuity M = P × [r(1+r)^n] / [(1+r)^n−1]. Isibali semorgeji sengeza izindleko zenotari, umshwalense, nentela yokuthenga ukuze ubone izindleko zangempela zokuthenga indlu — hhayi inombolo nje yebhange. Isibali sokuqasha nokudayiswa sithola umkhawulo wokulingana oqondile lapho ukuphila sekuzoba namphethelwa nokulungele kunokuliqasha, ibheke ithuba lezindleko zemali nenkohloko yangempela ngaso noma isizinda sikhathi.
Bala ngemizuzwana
Isibali se-VAT igoza wonke amavoti emazweni angama-30 aseYurophu — ejwayelekile, ahungulwa, nangeziwe ahungulwa — ngokucofa kanye. Isibali sepharafini iqhathanisa izindleko zebhensini, idizili, i-LPG, nezogesi ezinemali ezihlukene ngawo noma ahambe noma isabelo senyanga. Isibali sentenso ebhinqiwe sisebenzisa A = P(1 + r/n)^(nt) nokwengeza ngenyanga, kuhambisana nemikhiqizo eminingi yokonga nokufondelwa aseYurophu. Izibali zenhloso yokonga ne-SIP zisebenza ngokususela kunhloso yakho, ukukutshela kahle ukuthi ungase ubeke malini ngenyanga.
Izinombolo zakho zempilo
Isibali se-BMI isinika i-Body Mass Index, i-BMI Prime, i-Ponderal Index, nobubanzi bakho besisindo esiphilile. Isibali samakalori sibala i-Total Daily Energy Expenditure usebenzisa indlela ye-Mifflin-St Jeor — indlela ehlolwe kakhulu ngabantu abaningi abadala. Isibali sasisindo esifanele sigijima izindlela zokulapha ezine (Devine, Robinson, Miller, Hamwi) ngasikhathi sinye sikhombisa isikhewu sesisindo lapho zonke zine zivumelana.
Isibali sesikweletu sibala izinkokhelo zenyanga sisebenzisa indlela ejwayelekile ye-annuity: M = P × [r(1+r)^n] / [(1+r)^n - 1], lapho P inxenye enkulu, r izinga lentzalo lenyanga, n inombolo yezinkokhelo. Imiphumela ihlanganisa uhlelo olugcwele lokukhokha olukhombisa ukwehlukaniswa kwenxenye enkulu nentengo zenkokhelo yonke inyanga. Isibali semorgeji sengeza izindleko zokuthenga zangempela — izindleko zenotari, intela yokudluliswa kwempahla, nomshwalense — ukukunika izindleko eziphelele zangempela zokuthenga indlu. Isibali sentengo ebhinqiwe sisebenzisa A = P(1 + r/n)^(nt) nokwengeza ngenyanga, okuhambisana nemikhiqizo eminingi yokonga nokufondelwa eYurophu. Imiphumela yonke ihlolwe ngokumelene namatafula achazwe ngamaziko amakhulu emali aseYurophu.
CalcHere yakhiwe ngendlela yokucabanga ngobumfihlo. Wonke ama-calculations agijima endaweni yakho yewebhulisa nge-JavaScript — akukho izinombolo ozifakayo ozishiya idivayisi yakho. Asinayo inhlangano yeidatha yabasebenzisi. Asisebenzi namakulisi okulandelela ukusebenzisa izibali. Ingxenye yesithathu yodwa i-Google Analytics yezilinganiso zenompelo zezivakashi ezingaziwa — akukho idatha yomuntu ngamunye, akukho amavelu emali.
CalcHere yakhiwe nanoma ngubani enza izinqumo zemali eYurophu. Uma uqhathanisa izinikelo zesikweletu emazweni ehlukene, ufuna ukuqonda izindleko zangempela zemorgeji ngemuva kokwengeza izindleko zenotari nomshwalense, noma uhlela ukonga isikhathi eside — lawa amathuluzi akunika izinombolo ezinembe ngemizuzwana. Isibali sokuqasha nokudayiswa siyasiza kakhulu uma unquma ukuthenga impahla, njengoba sihlela ithuba lezindleko zemali nenkohloko yangempela. Isibali se-VAT ixhasa wonke amavoti emazweni angama-30 aseYurophu, kuhlanganisa amavoti ahungulwa ahlangehle ukudla, imithi, nezokuvakasha. Isibali sepharafini ixhasa ibhensini, idizili, i-LPG, nezimoto zikagesi — kuhle ukuqhathanisa izindleko zokusebenza kwezimoto.
Isibali ngasinye sinawo ummese wokukhipha i-PDF ngokucofa kanye. Khiqiza umbiko ohlanzekile othintekayo — kuhlanganisa itafula legcwele lokukhokha nazo zonke imidwebo — ulethe emhlanganweni wakho webhange noma ulondoloze ukuze ufike emarekhodi akho emali. Akukho uphawu, akudingi ukubhalisa, akudingi intela.
Yebo, zonke izibali ku-CalcHere zimahhala ngokuphelele. Akukho ukubhalisa, akukho ngokulandelana, akukho idamu lemali. Vula isibali noma isiphi uqale uhlela ngokushesha.
Ngokuphelele. Wonke ama-calculations agijima ngokuphelele kwewebhulisa lakho usebenzisa i-JavaScript. Akukho idatha oyifakayo eke yathumelwa kumaseva ethu, yalondolozwa, noma yabelanwa nezingxenye zesithathu.
CalcHere isebenzisa izindlela ejwayelekile zemali ezihlolwe ngokumelana namatafula eBhange eLobuzwe lwaseYurophu nohlelo olukhona lwe-EU VAT rates databases. Imiphumela icenga ukuhlela, nakuba izinikelo zangempela zebhange zingahluka ngomnikazi nangezimo zomsebenzisi ngamunye.
Yebo. Isibali ngasinye sinawo ummese wokukhipha i-PDF ngokucofa kanye. Imiphumela yakho, imidwebo, nezinhlanganiso zokukhokha zikhishwa njenge-PDF ekhethekile ongayilondoloza, uyiphrinte, noma uyabelane nebhange lakho noma ummeleli wakho wezimali.
CalcHere ixhasa onke amalungu e-EU namazwe engeziwe aseYurophu. Isibali se-VAT igoza amazwe angama-30 aseYurophu. Isibali sepharafini ixhasa imali ye-EUR, USD, GBP, RON, HUF, CZK, ne-PLN. Izibali zezikweletu nemorgeji zisebenza kulo lonke iYurophu.