Kune nzira nhatu dzokugadzirisa dambudziko rekuverenga kukosha kwezvino kwechimwe chete, rudzi rumwe rwekuwedzerwa kwemazuva emari kuverenga . Kutanga, iwe unogona kushandisa kukosha kwemuri wemhando imwe chete yemhando. Chechipiri, iwe unogona kushandisa mari yekutengesa mari.
Chero chero chekushandisa mari yekutengesa ichaita uye inotevera maererano nematanho akafanana. Chechitatu, unogona kushandisa shanduro yepa spreadsheet, yakadai seExcel. Tichaongorora zvese zvitatu.
Kuverenga Nhamba Yezvino
Chinhu chokutanga chokuyeuka ndechokuti kukosha kwemupiro imwe chete ndiyo yakanyatsopesana neyakakosha. Heino chirevo:
PV = FV [1 / (1 + I) t ]
Chimbofunga dambudziko iri:
Ngatitii makavimbiswa $ 1464 makore mana kubva nhasi uye chikwereti chechibereko chiri 10%. Gore (t) gore 4. Tinoda kuziva kuti $ 1464 iyo yakakosha sei nhasi ( ikozvino kukosha) inopa kuti chido chekuita chidimbu chiri 10% uye gore ndeye 4. Kushandisa kukosha kwemuri wemari imwe chete , tinokwanisa kuverenga kukosha kwekozvino kwe $ 1464 kana chikwereti chechikwereti chiri 10% pamagumo emakore mana uchishandisa chirevo:
PV = 1464 [1 / (1 + .10)] 4 = $ 1,000
Kuverenga kukosha ikozvino kunonzi kunotswa. Kupa mari inokonzera mari, sa $ 1,464 yedu, zvinongoreva kuti tinotora kutengesa kwezvinhu uye kuti mari inogona kuwana chikwereti mubhuku.
Sezvo iwe usina $ 1,464 muruoko rwako nhasi, haugoni kuwana mubereko pane iyo, saka inoderedzwa nhasi.
Zviri pachena, kushandisa nzira yacho ndiyo nzira yakareba yekuita zvinetso zvezvino. Kushandisa mari yekutengesa kana shanduro yepaspiritsi ndiyo nzira yakanakisisa yekuverenga kukosha ikozvino.
Kuverenga Nhamba Inoenderana Nokushandisa Financial Calculator
Iwe unogona kuwana kukosha kwemazuva ano kwechimwe chete uye chero chekugadzirisa ine basa rekujekesa, kunyange zvisati zvisiri zvemari.
Zvakanakisisa kushandisa mari yekugadzirisa nekuti vane zvishanu zvitsvene zvinofanana nezvitsva zvishanu panguva yekukosha kwemari equations. Ikozvino kukosha kwechimwechete chekuenzanisa chatakaverenga pamusoro apa kunoshandisa zvikamu zvina chete zvezvinhu izvi. Tarisa pane yako yezvemari yakawanda. Heino mhedzisiro uye mazano aunoshandisa:
Punch N uye 4 (kwemakore 2)
Punch I / YR uye 10 (nokuda kwechikwereti chinokwana 5%)
Punch FV uye 1 464 (nokuda kwemari yemari isu tiri kuverenga kufarira pagore 4)
Punch PMT na PMT (hapana mari inopfuura yekutanga)
Punch PV uye iwe uchava nemhinduro yako ye $ 1 000
Kuverenga Nhamba Yezvinoenderana neSpreadsheet
Spreadsheets, zvakadai seMicrosoft Excel, yakakodzerwa nokuverenga nguva yezvinetso zvemari uye mamwe masvomhu mabasa. Basa iro ratinoshandisa pakukoshesa ikozvino kweropa rekufa pane imwe shanduro ye Excel ndeyokuti:
PV (chiyero, nper, pmt, fv, mhando) OR
= PV (0,10,4,0,1464,0)
Kunyanya, iwe unoenda kune Excel worksheet uye chengeta pane Zvemari basa. Iwe uchakwevera pasi menyu uye chengeta paPV. Iko kuchazarura bhokisi uye iwe uchazadza ruzivo rwechinetso chauri kuedza kugadzirisa. Mumuenzaniso watinoshandisa, iwe unogadza chikwereti chekuda kwe 0.10, nguva ye4 (gore), mari ye 0, ramangwana rebhadharo ye $ 1464 inotsanangurwa se nhamba yakanaka, uye 0 kune chinhu chekupedzisira chinoreva kuti chero kubhadhara kwaizove pakuguma kwenguva iyo kana tine zvipo.
Iwe unopedzisira uine basa riri pamusoro. Zvadaro, unoenda kuruoko rworudyi rwepepa rekushanda kumusoro uye chengeta kuverenga. Iwe uchawana mhinduro ye $ 1000.
Ichi chidzidzo chevhidhiyo chichakubatsira iwe nekuita maitiro ekukosha kwezvino kwechimwe chete.
Iyi ndiyo nzira nhatu dzekuverenga kukosha kwemazana emari imwe chete.