Te tātaitai uara o te wā e whai ake nei
Tirohia te uara o te moni e whai ana i te wā e whai ake ana me te hua me ngā koha.
Ka whakahōutia ngā hua i te wā e tātuhi ana.
Mo tēnei tātaitai
The future value (FV) of money is what a present sum will grow to at a given interest rate over time — the core idea behind the time value of money. This calculator grows a starting lump sum with compound interest and adds the future value of any regular contributions, letting you choose how often payments are made, whether they land at the start or end of each period, and whether they step up each year.
Two pieces combine. The lump sum grows as FV = PV × (1 + i)^n, where i is the rate per compounding period and n the number of periods; a stream of level payments adds an annuity term, FV = PMT × ((1 + i)^n − 1) ÷ i. For example, 1,000 left to compound at 5% a year (compounded monthly) for 10 years grows to about 1,647 — roughly 647 of that is interest, including interest earned on earlier interest.
Use it to project what savings, an investment or a pension pot might be worth by a target date, to weigh saving a lump sum now against contributing monthly, or to see how a higher rate or a longer horizon changes the result. Because it separates the money you put in from the interest earned, the pull of compounding is easy to see.
Ko nga pātai e pā ana
He aha te tātai uara o te wā?
Mō tētahi moni whakatōpū, FV = PV × (1 + i) ^ n, kei reira te i te mokatere i ia wā me te n te tau o ngā wā. Ko ngā utu pūnoa e tāpiri ana i tētahi wā tauwhāiti, FV = PMT × ((1 + i) ^ n − 1) / i, e tāpiri ana tēnei utauta ki runga i te tipu o te moni whakatōpū.
He aha te huringa o te wā o te utu?
Ko te utu i te tīmatanga o ia wā (he utu ā-tau) ka hoatu ki ia utu tētahi wā tāpiri hei whiwhi moni, kia iti iho ai te uara o muri ake i te utu i te mutunga (he utu ā-tau noa). Ka whakarea e te utauta te wā o te utu ā-tau e (1 + i) mō te utu.
Ka huri te auautanga o te whāranu i te hua?
He. He nui ake te whakatōpūtanga e whakaae ana kia tīmata te hua ki te whiwhi i tōna ake hua, kia pōturi ai te whakatōpūtanga marama ki te tau mō te ōrite o te ōritetanga. Ko te "whakahaere i ia tau" e whakarite ana hoki i te auautanga o te hua, kia tere ake ai te 5% o te hua i ia marama i te 5% o te hua i tētahi wā i ia tau.
He pēhea te huringa o te hua i roto i nga koha noa?
He iti iho te wā o ia koha hōu ki te tipu i ngā mea i mua i a ia, engari i te katoa e tāpiri ana rātau i tētahi hua i runga i te tipu o te utu-tau, he nui ake te whakawhiwhinga, he nui ake te whakawhiwhinga, he tīmata rānei i mua, ka whakawhiwhia te taupū whakamutunga, he nui ake i te huringa iti i te ōrautanga hua.
He aha te nui o te utu tau (whakapae)?
Ka whakanuia e ia tō tātau koha mā tētahi ōrautanga tau kotahia tau, e hanga ana i tētahi kaupapa e whiwhi ana koe i te nui ake i te nui o tōtou moni whiwhinga. Ko te tikanga o te nui 5% o te tau e whakawhiwhia ana i te tau tuarua ki te 5% nui ake i te tuatahi, ka nui ake pea te uara o te wā.
He aha te ōrautanga hua e tatau ana i a au?
Ka whakamahia he hokinga wā roa mō te moni: he rua ōrau mō te taumahatanga moni, he nui ake mō ngā pūtea whakawātea — engari he nui ake te hokinga i te mōrearea.
Ka whakaritea te uara o te wā e whai ake nei ki te whakatōpūtanga?
Kāore. Ko te hua he tau ingoa i roto i ngā tāupe o te wā. Hei kite i tōna hiko hoko tūturu, ka haere te nuinga mā te tātaitai whakatōpūtanga, ka tāuru rānei i tētahi mokatere whakamutua (tūturu) i te wāhi o te ingoa.
API — whakamahi tēnei tātaitai mai i te waehere
E kī ana tēnei tātaitai hei wāhi mutunga kore JSON - kāore he kī e hiahiatia ana. Ka tukuna ngā uara āpure i raro nei hei tohutoro pātai, JSON rānei. Anything you omit uses the same default this page is pre-filled with; an unknown parameter is a 400, never a silent zero. Ka pānui te papatono API katoa →
Whakamutunga
GET https://calculator.free/api/v1/future-value/curl
curl "https://calculator.free/api/v1/future-value/?pv=1000&rate=5&years=10&pmt=0"JavaScript fetch()
const r = await fetch(
"https://calculator.free/api/v1/future-value/?" + new URLSearchParams({
"pv": "1000",
"rate": "5",
"years": "10",
"pmt": "0"
}));
const data = await r.json();
console.log(data.results);Ko ngā hua he whakataunga mō te tohutohu ahuwhānui anake, ehara i te tohutohu moni, rongoā, tāke rānei.