I-Calculator yeNtlawulo yeNtlawulo
Umsebenzi wokufumana iindleko eziqhelekileyo ezinokuthi zihlawulwe ngemali ethe nkqo kwiminyaka emininzi emiselweyo.
Iinketho ze projekti
Malunga nale Calculator
calculator uses the formula PMT = PV × i ÷ (1 − (1 + i)^−n), where i is the return per period and n the number of payments — the same math as a loan payment, only here you are the lender to yourself. It answers "how much can I withdraw each month from my savings for the next N years?" — the core question in retirement drawdown planning. It uses the formula PMT = PV × i ÷ (1 − (1 + i)^−n), where i is the return per period and n the number of payments — the same math as a loan payment, only here you are the lender to yourself. It uses the formula PMT = PV × i ÷ (1 − (1 + i)^−n), where i is the return per period and n the number of payments. It uses the formula PMT = PV × i ÷ (1 − (1 + i)^−n), where i is the return per period and n the number of payments. It uses the formula PMT = PM
Imibuzo ebuza rhoqo
Ixabiso lonikezelo licalwa njani?
Ifomula yohlawula ityala leminyaka le-PMT = PV × i ÷ (1 − (1 + i) ^−n), i-matematics efanayo nemali ehlawulwe ngetyala. Uthelekiso lufumana inzala phakathi kokurhoxisa, ngoko ukuhlawula okupheleleyo kungaphezulu kwexabiso eliqalayo.
Ingaba le nto ifana nemali yonyaka ephilayo evela kumboneleli wenkonzo?
Ewe. Le yimali ethe nkqo ethe nkqo eyenza ukuba ixabiso lifike kwisiqingatha kwixesha elikhethiweyo. Imali ethe nkqo ehlala ixesha elide evela kumboneleli wenkonzo yezemali ihlawulisa kude ufa kwaye ixabiso lixhomekeke kukufa, ngoko ke intlawulo yayo inokuhluka.
Yintoni inqanaba lokubuyisela ekufuneka ndilithathele ingqalelo?
Sebenzisa umyinge wenzala onokuthi umyinge wenzala osele ukhona uphumelele ngokufanelekileyo xa utyala imali - rhoqo uthelekiso olukhuselekileyo, kuba umntu oqesha akayi kukwazi ukuhlawula ilahleko enkulu phakathi kokukhupha imali. Ukubuyiswa okuphantsi okumiselweyo kuthetha unikezelo olukhuselekileyo oluncinci, ngoko ke yenza iimpazamo kwicala elikhuselekileyo.
Ithini into ekufuneka ikwenze ukuba iindleko zam zokutyala ziphantsi kunezithembiso?
Imali epheleleyo iphuma phambi kokuba iphele ixesha, kuba ukurhoxiswa ngalunye kubungakanani obuphezulu bokubuyiswa okulindelekileyo. Lo ngumgca omkhulu wokungazinzi kokukhupha okuthe nkqo; ukurhoxiswa okuphantsi okanye okunoxanduva olulungelelanisiweyo kubuyisela okuthe nkqo kunyusa umngcipheko wokuba inkqubo iphele.
Ingaba ukulahleka kwemali okumiselweyo kukhuselekile ngexesha lokuphuma emsebenzi?
Ukuba uqinisekile ngexesha elikhoyo. Kuba lilahla ngokuzithemba ixabiso ngomhla wokugqitywa, ukuqhubeka nokuphila ixesha lishiya ukungabikho nantoni na. Abacwangcisi abaninzi basebenzisa ipesenti-yexabiso lemithetho ukuze iindleko ziguquke kwaye zingapheli zilahla ngokupheleleyo.
Ihlukile njani le nto kumthetho we-4%?
Umthetho we-4% umisela ukurhoxiswa konyaka wokuqala kwi-4% ye-pot kwaye unyusa ngokunyuka kwexabiso, ujonge ukuqhubeka kungekho xesha limiselweyo. Le calculator ilungisa inqanaba lohlawulo elingaphaya kokungaphelelanga kwe-balance kwixesha omiselweyo, elinokuthi libe phezulu kune-4% kwixesha elifutshane.
API — sebenzisa le calculator ukusuka kwikhowudi
Nceda le kalkulator njengendawo esemva ye-JSON ekhululekileyo - akukho qhosha lifunekayo. Thumela amaxabiso endawo engezantsi njengeparameter yombuzo okanye i-JSON. Funda i-API epheleleyo →
Incopho yesiphelo
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);IiNtlanganiso zeNtlanganiso yeNtlanganiso