I-Calculator ye-Savings Goal

Thola ukuthi isikhathi esingakanani esithatha ukufinyelela esinqumweni sokugcina imali ngemali ekhokhwa njalo.

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Isikhathi sokufinyelela isifiso —
Izinga eliphelele elifakwa —
Imali engenayo —

Iziphetho zivuselelwa uma ubhala.

Ingabe le calculator ikulethela impendulo efanele?

Malunga nale khadi

A savings goal calculator works out how many months it takes to reach a target amount from your starting balance, a fixed monthly deposit and an interest rate. Each month it adds your deposit plus one-twelfth of the annual rate on the balance, counting the months until the total first reaches your goal, then splits that goal into how much came from deposits versus interest earned.

For example, aiming for a 10,000 goal starting with 1,000 and putting away 300 a month at 3% interest takes roughly 29 to 30 months. The bulk of the goal comes from your own deposits, with interest chipping in only a small share over such a short stretch.

Use it to plan for an emergency fund, a holiday, a car or a house deposit, to see how a bigger monthly deposit shortens the wait, and to set a realistic date before you start putting money aside.

Imibuzo ebuzwa kaningi

Yini uma ngingeke ngifinyelele isifiso?

Uma i-deposit yakho iyisi-zero futhi inkokhelo kuphela ayikwazi ukufinyelela ekugcineni, i-calculator ayibonisi inzuzo. Nciphisa i-deposit yenyanga ukuze ufinyelele ekugcineni ngesikhathi esibekwe.

Ingabe inkokhelo isiza kakhulu?

Ngosuku oluncane, i-deposit ilawula, kodwa ngezinga eliphakeme nesikhathi eside, inkokhelo ingafinyelela kungxenye ebalulekile yenhloso.

Ingabe ukonga kwami okwamanje kuhlobene nenjongo?

Yebo. Imali yakho yokuqala izoba yindawo yokuqashwa, ngakho i-calculator idinga kuphela imali yakho yokutshala kanye nenzuzo ukuvala ibanga phakathi kwayo nenjongo. Imali enkulu yokuqala ikhombisa amasonto ambalwa ukufinyelela enjongoni.

Ngingafinyelela kanjani isifiso sami sokutshala imali ngokushesha?

Ukwengeza isingeniso senyanga, qala ngemali eningi, noma uthole inani eliphakeme lemali engenayo. Ukwengeza isingeniso kunomthelela omkhulu eminyakeni encane, njengoba isingeniso sisebenza kakhulu ngaphambi kokuba imali engenayo ithathe isikhathi sokuthuthukiswa.

Indlela isikhathi sokufinyelela isifiso sisebenza ngayo?

I-calculator ihamba phambili ngenyanga ngenyanga — ukufaka imali yakho kanye nenzuzo ku-balance — futhi ibala ukuthi amasonto angakanani adlula ngaphambi kokuba inani eliphelele liqale lifinyelele esinqumweni. Ithola ukuthi ibala njengesikhathi sokuthola.

Yini uma i-deposit yami incane kakhulu ukuze ngifinyelele ekugcineni?

Uma isingeniso siyi-zero futhi inkokhelo kuphela ingavala isikhala, akukho sikhathi sokuqala futhi i-calculator ibonisa ukuthi akukho miphumela. Noma yikuphi isingeniso sonyaka esiphumelelayo sizofika ekugcineni ekugcineni, ngakho phakamisa ukufinyelela impendulo ephelezelwa.

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API — sebenzisa le calculator kusuka kukhodi

Nquma le calculator njenge JSON evulekile yendawo yokuqeda - akukho isithonjana esidingekayo. Thumela amaxabiso endawo ngezansi njengezilungiselelo zombuzo noma i-JSON. Noma yini ongayishiya isebenzisa iphutha elifanayo elifakwe ngaphambili lekhasi; ipharamitha engaziwa yi-400, ayikho i-zero emnyama. Funda i-API egcwele →

Ingxenye yendawo

GET https://calculator.free/api/v1/savings-goal/

curl

curl "https://calculator.free/api/v1/savings-goal/?goal=10000&current=1000&deposit=300"

JavaScript fetch()

const r = await fetch(
  "https://calculator.free/api/v1/savings-goal/?" + new URLSearchParams({
    "goal": "10000",
    "current": "1000",
    "deposit": "300"
  }));
const data = await r.json();
console.log(data.results);

Izibalo ziyisilinganiso esisetshenziswa ukuqondisa kuphela, hhayi ukucebisa ngezimali, ukwelashwa noma ukukhokha.