Ungasebenzisa naluphi na iindlela ezintathu ezahlukileyo zokusebenzela ifomula uze ufumane impendulo yakho.
Indlela nganye isebenzisa iindlela ezahlukeneyo zokubala, kodwa i-formula yangaphakathi ifanayo kwiimeko ezintathu.
Ixabiso lexesha elizayo
Icandelo loshishino linokuba nzima, kodwa ukusetyenziswa kwefomula kungaboniswa ngomzekelo olula. Yithi unayo i-$ 100 ukuze utyalomali yonke ngexesha, kwaye unokufumana inzala ye-5 ekhulwini. Yiyiphi inzuzo yokutshala imali yakho ekupheleni konyaka wokuqala? I-formula yexabiso elizayo le mali yokutsalwa kwemali lulandelayo:
FV 1 = (PV + INT) okanye iPV (1 + I) ⁿ
Inxalenye yokuqala yeli linganiso, ( FV₁ = PV + INT) ufunda, "ixabiso elizayo ( FV ) ekupheleni konyaka owodwa, elimelelwe yileta ebhalisiweyo ᵢ, lilingana nexabiso langoku kunye nexabiso elongezelelweyo lomdla kwinqanaba lexabiso elichaziweyo.
Ifom elandelayo ibonisa oku kwifom elula ukubala ixabiso elongezelelweyo ngumdla ongenamkelo ( PV (1 + I) ⁿ) efundwayo, "amaxabiso ekhoyo ( PV) amaxesha (1 + I) ⁿ , apho l imela inani lesenzalo kunye ne-superscript ⁿ yimizuzu yezihlandlo ezihlanganisiweyo.
Ngoku makhe sisebenzise umzekelo ovela phezulu. Ngomnye unyaka, imali yakho yokutsalwa kwemali eyi-100 yemali eyothola inzala e-5 ngonyaka iya kulingana:
FV = $ 100 (1 + 0.05) = $ 105
Kulo mzekelo, awuboni i-superscript (n) yexesha elixubileyo kuba kule ngxaki uzimisele ukusombulula unyaka wokuqala kuphela. Ukufumanisa ixabiso lentlawulo yakho mali ekupheleni kweminyaka emibini, uya kutshintsha ukubala kwakho ukuquka i-exponent emele amaxesha amabini:
FV = $ 100 (1 + 0.05) ² = $ 110.25
Unokuyicombulula le nto, leyo ingxaki yenzalo, ngendlela eyahlukileyo ukuba i-calculator yakho ayikwazi ukuphatha iziphumo, ngokubala ixabiso ekupheleni konyaka wokuqala, kwaye ukuphindaphinda isiphumo ngokufanayo kwinqanaba le-5 yesibini unyaka:
FV = [i-$ 100 (1 + 0.05)] + [$ 105 (1 + 0.05)] = $ 110.25
Unokuqhubeka le nkqubo ukufumana ixabiso elizayo lotyalo-mali kuyo nayiphi na inani lexesha elixakile. Ukucacisa le nkqubo ngendlela, ngokuzenzekelayo ngokubaluleka komlinganiselo wonyaka ngamnye kwintlalo, besebenzisa loo xabiso ukwenza izibalo ezifanayo kunyaka ngamnye olandelayo, kucaca ukuba sifika njani kwisiphumo, kodwa kudla ixesha.
Ukuxazulula ixabiso elizayo kwixesha elizayo kwiminyaka engama-20 kuthetha ukuphinda izibalo ezingama-20 ngezihlandlo. Kukho iindlela ezinokukhawuleza kwaye ezingcono zokufezekisa oku, enye yazo isebenzisa i-calculator yezemali.
Ixabiso lexesha elizayo loTyalo-mali ngokusebenzisa i-Calculator yeMali
Inkomfa yokufumana ixabiso elizayo lotyalo-mali kwi-calculator yemali ngu:
FV N = PV (1 + I) ⁿ
Nangona kungakhange kubonakale ngathi, le ndlela ifanayo esisetyenziswayo xa senza izibalo ngesandla.
Ngokuqinisekileyo, ungasebenzisa le fomyili kunye naliphi na umbala wokubala onomsebenzi obalulekileyo wokusebenza; baninzi.
Nangona kunjalo, ukusebenzisa i-calculator yezemali kungcono kuba sele inikezele izitshixo ezihambelana nenye yezinto eziguqukileyo ezine esiza kusebenzisa, ukukhawulezisa inkqubo kunye nokunciphisa ukuba kukho impazamo. Nazi ezinye izitshixo oza kuzipaka:
Punch N no- 2 (iminyaka emi-2 yokubamba)
I-Punch I / YR kunye ne- 5 (ngenani lentengo ye-5 ekhulwini)
Punch PV kunye -105 (ngenani lemali esibalala umdla kumnyaka wesi-2)
Qaphela ukuba kufuneka ubeke ixabiso lentengo-mali njengenombolo engalunganga ukuze ukwazi ukubala ngokuchanekileyo ukuhamba kwemali ezayo. Ukuba ukhohlwa ukufaka uphawu "lokunciphisa", ixabiso lakho elizayo liza kubonisa njengenombolo engalunganga.
Punch PMT kunye ne- PMT (akukho ntlawulo ngaphandle kweyokuqala)
Punch FV , ebuyisela impendulo ye $ 110.25
Inzuzo yombalo wokubala ngokwemigaqo yendlela yokusebenza ibonakala.
Ngombalo wokubala, akusona kunzima okanye ixesha elidlulileyo ukuxazulula ixabiso elizayo elizayo kwiminyaka engama-20 ukususela ngoku kunokusombulula unyaka omnye. Enye indlela yokugcina ixesha isebenzisa ispredishithi.
Ixabiso lexesha elizayo lwe-Lump Sum Invest Investment usebenzisa iSpreadsheet
Iipredishithi, ezifana ne-Microsoft Excel, zifanelwe ngokubala ixesha-xabiso leengxaki zemali. Umsebenzi esisebenzisayo kwixabiso elizayo lotyalo-mali okanye isamba semali kwi-spreadsheet ye-Excel yile:
= FV (0.05,1,0, -100,0)
Ukusebenzisa umsebenzi kwiphepha lokusebenzela, nqakraza kwi "Iifomula" kwibha yomxholo, uze uchofoze "kwiMali." Emva koko uza kubona uluhlu lwemisebenzi. Cofa kwi FV. Oku kuza kuvula ibhokisi yeFormula Builder apho uza kubona amabhokisi amahlanu abhalwe ngesibalo, nper, pmt, pv, kunye nohlobo. Ukuba ufuna ukucacisa ixabiso elizayo ekupheleni kweminyaka emibini, gcwalisa iibhokisi kanje:
izinga (inzala) = .05
nper (inani elipheleleyo lexesha lokuhlawula = 2
pmt (iintlawulo eziphindaphindiweyo, kulo mnye akukho) = 0
pv (ixabiso langoku, elichazwe njengenombolo engalunganga) = -100
uhlobo (oku kubhekisela kwisithuba seentlawulo ezalandelayo) = Kuba kungekho nanye, faka 0
Iinguqulelo zangaphambili ze-Excel zifuna ukuba ucofa kwi- Calculate ukuze ubone umphumo . Iinguqulelo zangaphambili zibala iphumo ngokuzenzekelayo. Kwi-Excel, kufuneka ungenise inani elikhoyo njengenombolo engafanelekiyo ukuze ufikelele kwimiphumo emihle yokuhamba kwemali ezayo.