Kalkaaliyihii CD-ga
Tixraac qiimaha iyo faa'iidada ku saabsan shahaadada deynta.
Natiijooyinka cusbooneysiinta sida aad ku qorto.
Ku saabsan Kalkaaliyahan
A certificate of deposit (CD) pays a fixed interest rate in exchange for locking your money away for a set term. This calculator compounds your deposit at the stated rate and frequency to show the value at maturity, the total interest earned, the effective annual yield (APY), and — if you enter a tax rate — the interest you keep after tax.
The maturity value is deposit × (1 + rate ÷ n)^(n × years), where n is how often it compounds. For example, 10,000 in a 5-year CD at 4.5% compounded monthly grows to about 12,518, so you earn roughly 2,518 in interest, and the effective yield works out to about 4.59% APY — a little above the 4.5% nominal rate because of monthly compounding.
Use it to compare CD offers, to see how term length and compounding change the payoff, or to check whether a CD beats a high-yield savings account once you account for the lock-up. Remember CD interest is normally taxable each year, and cashing out early usually triggers an interest penalty that this calculator does not deduct.
Su'aalaha badanaa la isweydiiyo
Sidee ayaa CD faa'iido lagu xisaabiyaa?
Deynta isku darka muddo kasta: da'da = deynta × (1 + qiimaha ÷ n) ^ (n × sano), halkaas oo n waa tirada compounding. Dakhliga la helay waa qiimaha da'da ka yar deyntaada asalka ah.
Ma waxaan la barbardhigi karaa CDs by APR ama APY?
La barbardhigo by APY, sababtoo ah waa hore u tiirsan in tirada isku darka iyo muujinaya waxa aad dhab ahaantii ku kasban sanadka. Laba CDs la APR isku mid ah laakiin isku darka kala duwan waxay yeelan doonaan APYs yar oo kala duwan.
Ma CD faa'iido la xisaabtami?
Haa. Baahida CD-ga waa in guud ahaan loo xisaabtamo sida dakhliga caadiga ah ee sanadka ay la siiyo, xitaa haddii aadan ka qaadin. Ku soo geli heerka canshuurtaada si aad u aragto canshuurta ka dib, taas oo ah tirada muhiimka ah ee lagu barbardhigo CD-ga la xisaabtamo iyo xisaab la siiyo.
Maxaa dhici doona haddii aan ka baxay CD hore?
CDs badan oo ku caddaan doona ciqaab hore-ka bixitaanka, badanaa dhowr bilood oo dakhliga, taas oo ka saari kartaa wax badan oo ka mid ah guushaada ama xitaa ku shubto in ay aasaasiga ah. Kalkaaliyihiini wuxuu u maleynayaa inaad haystaan si ay u da'da, sidaas daraaddeed ka soo qaado ciqaab kasta oo aad u aad haddii aad lacag ka bixi kartaa hore.
Ma waa muddo dheer CD waligood ku kasbadaan in ka badan?
A muddo dheer ka faa'iideysta in ka badan oo dhan dakhliga ku saabsan heerka la siiyay iyo badanaa waxaa la socda heerka sare, laakiin sidoo kale lacag aad u xiran tahay ka badan oo aad u muujiyaan in ay ka maqan tahay haddii heerka kor u. qaar ka mid ah deyn bixiyayaasha isticmaalaan CD saldhigga - da'da kala duwan - si ay u miisaaniyad u soo saarka iyo helitaanka.
Sidee CD la barbardhigo xisaab kayd ah?
CD caadi ahaan bixisaa sare, qiimaha go'an ee ka dib markii la xiray lacag ka fog ee waqtiga, halka xisaab kaydinta bixisaa qiimaha isbeddelka ah oo aad ka bixi kartaa waqti kasta. Haddii aadan u baahan doonin lacag ka hor dhamaadka, CD ee sare ee la hubiyo APY badanaa ku guuleysata.
API — isticmaal xisaabinta ka code
Wici xisaabinta sida free JSON endpoint - key ma loo baahan yahay. Dib u soo dir qiimaha goobta hoos ku qoran sida parameters su'aal ama JSON. Wax kasta oo aad ka maqan tahay isticmaalaa default la mid ah ee boggani waa hore loo buuxiyey la; parameter aan la aqoon waa 400, marnaba ma aha zero maqan. Akhri dhammaan API xuquuqda →
Xarafka
GET https://calculator.free/api/v1/cd/curl
curl "https://calculator.free/api/v1/cd/?deposit=10000&rate=4.5&years=5"JavaScript fetch()
const r = await fetch(
"https://calculator.free/api/v1/cd/?" + new URLSearchParams({
"deposit": "10000",
"rate": "4.5",
"years": "5"
}));
const data = await r.json();
console.log(data.results);Natiijooyinka waa tirakoobka loogu talagalay tilmaamaha guud oo keliya, maaha dhaqaale, caafimaad ama talo bixin canshuur.