Kifaa cha kurekodia CD
Hesabu thamani na upendezi wa ukomavu kwenye cheti cha amana.
Matokeo yanakuwa bora zaidi unapochapa.
Kuhusu kifaa hiki cha kupigia hesabu
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.
Maswali yaliyoulizwa mara nyingi
Upendezi wa diski - songamano hukadiriwaje?
Michanganyiko ya habari katika kila kipindi: Ukomavu = kuweka ← (1 + 050 ) Miaka 1, ambapo [1] Miaka miwili ni mara nyingi zaidi. Upendezi uliochumwa ni thamani ya ukomavu isiyoondolewa kwenye misingi yako ya awali.
Je, nilinganishe CD na APR au APY?
Linganisha na APY, kwa sababu tayari ina mikunjo katika frikwensi ya kukuza na huonyesha kile unachochuma kwa mwaka mmoja.
Je, faida za diski - songamano hutozwa kodi?
Ndiyo. Kama hutoizima, weka kiwango chako cha kodi ya juu ili kuona faida ya baada ya kodi, hiyo ndiyo sababu ya kulinganisha diski - songamano inayoweza kutozwa kodi na akaunti ya kodi.
Ni nini hutukia nikijiondolea mbali kutoka kwenye diski - songamano mapema?
CD nyingi zina hatia ya mapema ya kutoa adhabu ya uchaji, mara nyingi kwa miezi kadhaa ya riba, ambayo inaweza kufuta kiasi kikubwa cha mapato yako au hata kujichovya katika ofisi kuu. Mashine hii inakufanya uwe na nguvu za kukomaa, kwa hiyo ondoa adhabu yoyote kwako ikiwa unaweza kupata pesa mapema.
Je, sikuzote maneno marefu zaidi ya CD yana faida zaidi?
Muda mrefu zaidi huchuma riba ya jumla kwa kiwango fulani na mara nyingi huwa na kiwango cha juu zaidi, lakini pia huweka pesa zako juu zaidi na kukufanya usipoteze wakati ukipanda.
Diski - songamano inalinganaje na akaunti ya akiba?
Kwa kawaida diski - songamano hulipa kiwango cha juu zaidi, kilichorekebishwa ili kuweka pesa hizo akiba kwa ajili ya kipindi hicho, huku akaunti ya akiba ikilipa kiasi fulani cha wakati chenye kubadilika - badilika.
API bustanini hutumia kifaa hiki cha hesabu kutoka kwenye mfumo wa sheria
Ipigie simu kifaa hiki cha kupigia hesabu kama Junse É not doot toder. Chochote unachoacha kinatumia kiwango kilekile cha mwisho ambacho ukurasa huu haujakamilika; parameta isiyojulikana ni 400, si sufuri kimya kamwe. Soma habari kamili za API docs →
keyboard label
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);Matokeo ni makadirio ya mwongozo wa ujumla, si wa kifedha, wa kitiba au wa kodi tu.