Kalkulatè peman anyèl

Kalkile kantite lajan yon montan fiks ka peye sou yon peryòd tan ki fikse.

$
%
yr
Peman chak peryòd
Total
Enterè

Rezilta yo mete ajou pandan w ap ekri.

Atik sa a

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Kesyon ki poze souvan

Ki jan montan peman an ap kalkule?

Li se fòmil peman anyèl PMT = PV × i ÷ (1 − (1 + i) ^ − n), menm matematik ke yon peman kredi. Balans la resevwa enterè ant retire, se konsa total peman yo depase balans lan kòmanse.

Èske sa menm jan ak yon rente pou tout lavi ki soti nan yon asiransyè?

Sa se yon dediksyon ki fèt pou yon peryòd tan fiks ki fè balans la rive zewo pandan peryòd ou chwazi a. Yon rente pou tout lavi ki soti nan yon asiransyè peye jiskaske ou mouri epi li gen pri ki baze sou mortalite, se konsa peman li ka diferan.

Ki kantite lajan mwen dwe peye pou yon pwopriyete?

Ou dwe itilize yon pousantaj ki pèmèt balans ki rete a reyalize yon revni reyèl pandan li ap envesti – sa se souvan yon konbinezon ki kontwole, paske yon moun ki pran retrèt pa ka fè fas ak gwo pèt pandan li ap retire lajan.

Ki sa ki rive si mwen jwenn mwens pase sa mwen te espere?

Balans la fini anvan fen peryòd la, paske chak retrè se mezire pou pi wo retou asepte. Sa se risk prensipal yon drapo fiks; yon retrè ki pi ba oswa yon flexibl ki ajustes pou retou reyèl diminye chans pou kouri sèk.

Èske yon retire lajan ki fikse nan tan se yon fason ki an sekirite pou tout peryòd retrèt la?

Se sèlman si ou se asire w nan horizon tan. paske li deliberately vid balans pa dat fen, outliving tèm ou kite ak anyen. anpil planifikatè nan plase itilize yon pousan-de balans règleman konsa revni flexes ak pa janm plenman dechè.

Ki jan sa diferan de règleman 4% la?

Règ 4% fikse retrè premye ane a nan 4% nan pot la epi Lè sa a, ogmante li ak enflasyon, ki gen pou objaktif pou dire san limit.Calculator san plas rezoud pou nivo peman an ki egzakteman echwe balans la sou tèm ou mete, ki ka pi wo pase 4% pou peryòd ki pi kout.

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API — itilize sa a calculateur soti nan kòd

Apèl sa a calculateur kòm yon gratis JSON pwent-de-fini - pa gen okenn kle ki nesesè. Envoye valè jaden anba a kòm paramèt kesyonè oswa JSON. Li dokiman API a an antye →

Endpoint

GET https://calculator.free/api/v1/annuity-payout/

curl

curl "https://calculator.free/api/v1/annuity-payout/?principal=500000&rate=5&years=20"

JavaScript fetch()

const r = await fetch(
  "https://calculator.free/api/v1/annuity-payout/?" + new URLSearchParams({
    "principal": "500000",
    "rate": "5",
    "years": "20"
  }));
const data = await r.json();
console.log(data.results);

Rezilta yo se estimasyon pou kòmandman jeneral sèlman, pa finansye, medikal oswa konsèy taks.