Chakravridhi Byaj Calculator – चक्रवृद्धि ब्याज कैलकुलेटर

इस चक्रवृद्धि ब्याज कैलकुलेटर का उपयोग करना – is chakravriddhi byaj calculator ka upayog karana

• maasik aur vaarshik yogadaan ke saath aur unake bina apanee gananaen aazamaen.
• is bachat kailakuletar mein ritarn kee ek udaaharan dar shaamil hai. is maheene aap jis sarvottam vaarshik pratishat daron kee ummeed kar sakate hain, use dekhane ke lie, nairdwallait kee sarvashreshth uchch-upaj bachat khaaton aur jama pramaanapatron kee soochee dekhen.

chakravriddhi byaj kya hai?

chakravrddhi byaaj vah byaaj hai jo aap apane mool dhan par aur us byaaj par kamaate hain jo lagaataar jama hota rahata hai. chakravrddhi byaaj aapakee bachat ko samay ke saath tezee se badhane deta hai.

apane byaj kee ganana kaise karen

apane bachat khaate mein badhane vaale byaaj ka nirdhaaran karane ke lie, ye kadam uthaen. pratyek parivartan svachaalit roop se kailakuletar ke parinaam ko apadet karega.

• bachat khaate mein aap jo shuruaatee raashi jodenge use darj karen.
• pushti karen ki aapake khaate par kitane varshon tak byaaj milega.
• anumaanit ritarn dar joden, jo bachat khaate kee vaarshik byaaj dar hogee.
• jab tak aapako pata na ho ki aapaka khaata kisee alag aavrtti par chakravrddhi byaaj deta hai, tab tak chakravrddhi aavrtti ko anadekha karen.
• samay ke saath hone vaale antar ko dekhane ke lie vibhinn yogadaan raashiyon aur yogadaan aavrttiyon ka pareekshan karen.

byaj calculator ka udaaharan

maan leejie ki aap 4% vaarshik pratiphal vaale uchch-upaj bachat khaate mein $10,000 daalana chaahate hain, jo pratidin chakravrddhi byaaj par milata hai. aap apanee pahalee jama raashi ke baad atirikt dhanaraashi jodane kee yojana nahin banaate hain. aay kee ganana karane ke lie, aapako oopar die gae kailakuletar mein yah darj karana hoga:

• praarambhik jama: $10,000.
• vrddhi ke varsh: 1. (shuroo mein “1” darj karen, phir aap ise badhaakar dekh sakate hain ki aap agale varshon mein kitana kama sakate hain.)
• pratiphal kee anumaanit dar: 4%.
• chakravrddhi aavrtti: pratidin.
• yogadaan raashi: $0. (choonki aap atirikt yogadaan nahin karenge, isalie feeld mein “$0” darj karen.)
• yogadaan aavrtti: is feeld ko anadekha karen.

ek varsh ke baad, aapako $408.08 byaaj milega.

yadi aapane apana paisa ek aur varsh ke lie us khaate mein chhod diya, to aapako doosare varsh mein $424.74 byaaj milega, yaanee do varshon mein kul $832.32 byaaj. aap doosare varsh mein adhik kamaate hain kyonki byaaj kee ganana praarambhik jama raashi aur pahale varsh mein aapake dvaara arjit byaaj par kee jaatee hai.

10 varshon ke baad, aapane $14,917.92 ke kul shesh ke lie $4,917.92 byaaj arjit kiya hoga.

lekin yaad rakhen, yah keval ek udaaharan hai. bachat khaaton mein vaarshik pratishat pratiphal kisee bhee samay parivartan ke adheen hain. lambee avadhi kee bachat ke lie, roth ya paaramparik ir aur chd sahit aapake paise ko sangraheet karane ke lie bachat khaaton se behatar sthaan hain.

» is par bhee vichaar karen: aapaatakaaleen nidhi kailakuletar || bachat kailakuletar || chd kailakuletar

atirikt yogadaan ke saath chakravriddhi byaj

bachat lakshyon par chakravrddhi byaaj ka jitana prabhaavashaalee prabhaav padata hai, utanee hee vaastavik pragati bhee niyamit yogadaan karane par nirbhar karatee hai. aaie oopar die gae bachat khaate ke udaaharan par vaapas jaen aur niyamit yogadaan ke prabhaav ko dekhane ke lie dainik chakravrddhi byaaj kailakuletar ka upayog karen. hamane $10,000 se shuruaat kee aur 4% vaarshik upaj vaale khaate mein 10 saal baad $4,917.92 byaaj ke saath samaapt hua. ab maan len ki aap pratyek maheene ke ant mein apane bachat khaate mein atirikt $100 jama karate hain. (“yogadaan raashi” feeld mein “$100” darj karen, phir “yogadaan aavrtti” vikalp ke lie “maasik” chunen.) aapako 10 saal baad $29,647.91 milenge, jo dainik chakravrddhi hoga (yah maanate hue ki varsh mein 365 din honge). $22,000 kee kul jama raashi par byaaj $7,647.91 hoga. (nardavolet ke uchch-upaj bachat khaaton aur seedee ke raund-ap kee sameeksha karen taaki pata chal sake ki aap vibhinn vikalpon ke saath kitana byaaj kama sakate hain.)

not: kaee baink apane bachat khaate kee daron ko apy ke sandarbh mein rakhate hain, jabaki chakravrddhi byaaj kailakuletar vaarshik byaaj dar ka upayog karata hai, jo ki chakravrddhi se pahale kee dar hai. kailakuletar mein aaj ke apy ka upayog karen, pahale unhen hamaare vyaakhyaakaar apy banaam byaaj dar mein vaarshik byaaj dar mein parivartit karake.

nivesh par chakravriddhi ritarn

jab aap sheyar baajaar mein nivesh karate hain, to aap ek nirdhaarit byaaj dar nahin kamaate hain, balki aapake nivesh ke mooly mein parivartan ke aadhaar par ritarn kamaate hain. aapake nivesh ka mooly badh ya ghat sakata hai. jab aapake nivesh ka mooly badhata hai, to aapako ritarn milata hai.

jab aap jo ritarn kamaate hain, use baajaar mein nivesh karate hain, to ve ritarn samay ke saath usee tarah chakravrddhi hote hain, jaise byaaj chakravrddhi hota hai.

agar aapane myoochual phand mein $10,000 ka nivesh kiya aur phand ne saal bhar mein 6% ritarn kamaaya, to isaka matalab hai ki aapako $600 ka laabh hua aur aapake nivesh kee keemat $10,600 hogee. agar aapako do saal tak saalaana chakravrddhi 6% ritarn milata hai, to aapake nivesh kee keemat $11,236 hogee.

vaastav mein, nivesh par ritarn saal dar saal aur yahaan tak ki din-pratidin bhee alag-alag hoga. alpaavadhi mein, stok ya stok myoochual phand jaise jokhim bhare nivesh ka mooly kam ho sakata hai. lekin lambe samay mein, itihaas bataata hai ki ek vividh vikaas portapholiyo saalaana ausatan 6% ritarn de sakata hai. nivesh par milane vaala ritarn aam taur par saalaana ritarn kee dar se dikhaaya jaata hai.

paisa badh sakata hai: udaaharan ke lie, agar aapane ritaayarament akaunt mein 30 saal se zyaada samay tak phand rakha aur 6% ausat ritarn kamaaya, to aapake $10,000 badhakar $57,000 se zyaada ho jaenge.

kampaunding lambee avadhi kee bachat aur nivesh lakshyon ko poora karane mein madad kar sakatee hai, khaasakar agar aapake paas ise saalon ya dashakon tak apana jaadoo chalaane ka samay ho. aap jitana kamaate hain, usase kaheen zyaada kama sakate hain.

chakravrddhi byaaj sootr: chakravrddhi byaaj kee ganana kaise karen.

kailakuletar ke bina byaaj kee ganana karane ke lie, nimn sootr ka upayog karen:

a=p(1+r/n)nt, jahaan:

• a = antim raashi.
• p = mool shesh raashi.
• r = byaaj dar (dashamalav ke roop mein).
• n = kisee vishisht samay seema mein byaaj ke chakravrddhi hone kee sankhya.
• t = samay seema.

chakravrddhi byaaj sootr kya hai, udaaharan sahit?

aap is chakravrddhi byaaj kailakuletar ka upayog kar sakate hain ya sootr a=p(1+r/n)^nt ka upayog karake mainyual roop se chakravrddhi byaaj kee ganana kar sakate hain. yahaan ek udaaharan diya gaya hai: maan len ki aap ek bachat khaate mein $5,000 jama karate hain, jis par 5% vaarshik byaaj dar milatee hai aur maasik chakravrddhi hotee hai. aap a = $5,000(1 + 0.00416667/12)^(12 x 1) kee ganana karenge, aur aapakee antim shesh raashi $5,255.81 hogee. to ek saal baad aapake paas 5,255.81 dolar kee bachat hogee.