Investment calculator
Dekhein ke bachat compound interest se kaise barh sakti hai, aap ke farz kiye gaye return rate aur optional maahana contributions ke saath.
Muft istemal karein, account ki zaroorat nahi. Jo aap likhte hain wo aap ke browser mein hi rehta hai.
Aakhri balance
Rs 54,713.58
Aap ki kul lagayi hui raqam
Rs 34,000.00
Kamaya hua interest
Rs 20,713.58
Ye aap ke chune hue fixed rate par aik misaal hai, forecast nahi. Haqeeqi investments barhte ghatate hain, un mein nuqsan ho sakta hai aur fees aur tax lagte hain jo yahan shamil nahi. Ye maali mashwara nahi hai.
- Aakhri balanceRs 54,713.58
- Aap ki kul lagayi hui raqamRs 34,000.00
- Kamaya hua interestRs 20,713.58
Saal ba saal
| Saal | Lagayi hui | Interest | Balance |
|---|---|---|---|
| 1 | Rs 12,400.00 | Rs 801.42 | Rs 13,201.42 |
| 2 | Rs 14,800.00 | Rs 1,834.27 | Rs 16,634.27 |
| 3 | Rs 17,200.00 | Rs 3,115.28 | Rs 20,315.28 |
| 4 | Rs 19,600.00 | Rs 4,662.39 | Rs 24,262.39 |
| 5 | Rs 22,000.00 | Rs 6,494.83 | Rs 28,494.83 |
| 6 | Rs 24,400.00 | Rs 8,633.24 | Rs 33,033.24 |
| 7 | Rs 26,800.00 | Rs 11,099.74 | Rs 37,899.74 |
| 8 | Rs 29,200.00 | Rs 13,918.03 | Rs 43,118.03 |
| 9 | Rs 31,600.00 | Rs 17,113.55 | Rs 48,713.55 |
| 10 | Rs 34,000.00 | Rs 20,713.58 | Rs 54,713.58 |
Ye kaise calculate hota hai
Bachat is liye barhti hai ke interest pehle ke interest par bhi milta hai. Ye formulas istemal hue hain:
- Maahana rate
- i = r ÷ 12 ÷ 100
- Aakhri balance
- P × (1 + i)ⁿ + C × ((1 + i)ⁿ − 1) ÷ i
- Kul lagayi hui raqam
- P + C × n
- Aaj ke paise mein qeemat
- B ÷ (1 + inflation ÷ 100)^years
P shuruati raqam hai, C maahana contribution hai, r percent mein farz kiya gaya salana return hai, n maahon ki tadaad hai, i maahana rate hai aur B aakhri balance hai. Interest maah mein aik martaba jama hota hai aur har contribution maah ke aakhir mein ada hoti hai.
Return aik fixed rate hai jo aap farz karte hain. Haqeeqi investments seedhi line mein nahi barhte: wo barhte ghatate hain, un mein nuqsan ho sakta hai, aur fees aur tax aap ke bachne wale paise ko kam karte hain. Maazi ke returns mustaqbil ke returns ki peshgoi nahi karte. Isay scenarios compare karne ke liye istemal karein, forecast ke liye nahi.
Growth round kiye baghair nikalta hai aur sirf dikhaye gaye figures 2 ashariya tak round hote hain, is liye lagayi hui raqam jama interest balance ke barabar hota hai.
Misaal ke saath hisaab
Rs 10,000.00 se shuru kar ke aur 10 saal tak har maah Rs 200.00 jama karne par, salana farz kiye gaye 7% return par, raqam Rs 54,713.58 tak barh jati hai. Aap ne Rs 34,000.00 lagaye aur baqi Rs 20,713.58 interest hai. Salana 2% inflation ke saath ye aaj ke paise mein taqreeban Rs 44,884.19 ke barabar hai. Return aik farz hai, wada nahi.
Investment ke sawalat
Compound interest kaise kaam karta hai?
Interest balance mein jama hota hai, aur us ke baad interest par bhi interest milta hai. 10,000 par salana 7%, maahana compounding ke saath, 10 saal baad 20,096.61 ho jate hain.
Main kaun sa return likhoon?
Koi aik sahi jawab nahi: ye is par munhasir hai ke aap kis mein invest karte hain, aur mustaqbil ke returns koi nahi jaanta. Kuch rates azmayein, maslan kam, darmiyana aur zyada, aur farq dekhein. Un mein se kisi ko forecast na samjhein.
Inflation kyun ahem hai?
Waqt ke saath qeematein barhti hain, is liye wahi raqam mustaqbil mein kam khareedti hai. Aaj ke paise mein figure aakhri balance ko saalon ki inflation se taqseem karta hai taake dikhaye ke wo aaj ki qeematon par kya khareed sakta hai.
Kya fees aur tax shamil hain?
Nahi. Fees aur tax aap ke bachne wale paise ko kam karte hain. Unhein taqreeban shamil karne ke liye kam return likhein, maslan return minus salana fee.
Kya meri maloomat kahin mehfooz ya bheji jati hain?
Nahi. Hisaab aap ke browser mein hota hai. Jo figures aap likhte hain wo humein nahi bheje jate aur na mehfooz hote hain.
Mutaalliq calculators
- ROI calculatorApni invest ki hui raqam aur us ki aakhri qeemat likhein aur apna return on investment dekhein. Salana munafa dekhne ke liye muddat bhi shamil karein.
- Loan calculatorLoan ki raqam, interest rate aur muddat likhein aur apni maahana qist, kul interest aur poora repayment schedule dekhein.
- Budget calculatorApni maahana income aur ahem expenses likhein aur dekhein ke kitna bachta hai aur aap income ka kitna hissa bachate hain.
Nataij planning ke liye andaze hain. Ye maali, tax ya mazhabi mashwara nahi hain.