نموذج Excel: حاسبة الفائدة المركبة

تمويل شخصي نموذج Excel: حاسبة الفائدة المركبة

عنوان: Compound Interest Calculator

وصف:

This spreadsheet is designed to calculate compound interest for a given principal amount over a specified period. It includes sections for inputting the principal amount, interest rate, compounding frequency, years of growth, additional deposits, and payment frequency. It calculates the future value, total payments, and total interest.

Inputs:
- Principal Amount (P): The initial amount of money.
- Annual Interest Rate (r): The yearly interest rate.
- Compound Frequency (n): How often the interest is compounded per year.
- Years of Growth (t): The number of years the money is invested or borrowed.
- Additional Deposit (A): Extra amounts added periodically.
- Deposit Frequency (p): How often the additional deposits are made.
Results:
- Rate Per Payment Period: The interest rate per compounding period.
- Total Payments: The sum of all additional deposits.
- Total Payments + Principal: The sum of the initial principal and total payments.
- Total Interest: The amount of interest earned or paid.
- Future Value (F): The value of the investment or loan at the end of the period.

نصائح/إرشادات:

Inputs:
- Ensure all input values are entered correctly to get an accurate calculation.
- Adjust the compounding frequency to see how it affects the future value.
Results:
- Review the future value to understand the growth of the investment.
- Compare the total interest and total payments to gauge the investment’s profitability.

مصدر: حاسبة مخصصة

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مثال على استخدام الآلة الحاسبة:

مثال تفصيلي لاستخدام جدول البيانات: المهام التي يجب على المستخدم إكمالها:

Inputs Section:
- Enter the initial principal amount, annual interest rate, compounding frequency, years of growth, additional deposit amount, and deposit frequency.
  - قيم المثال:
    - Principal Amount (P): $2,000
    - Annual Interest Rate (r): 6%
    - Compound Frequency (n): 365 (Daily)
    - Years of Growth (t): 5
    - Additional Deposit (A): $200
    - Deposit Frequency (p): 1 (Yearly)
Review Results:
- Check the calculated values for the rate per payment period, total payments, total payments + principal, total interest, and future value.
  - قيم المثال:
    - Rate Per Payment Period: 0.0164%
    - Total Payments: $1,000
    - Total Payments + Principal: $3,000
    - Total Interest: $831.20
    - Future Value (F): $3,831.20

لماذا تعتبر الآلة الحاسبة التفاعلية مفيدة:

This spreadsheet helps users calculate the future value of an investment or loan by accounting for compound interest. It provides a clear and detailed breakdown of how interest is accumulated over time, helping users make informed financial decisions.

مصدر: جدول بيانات مخصص

خاتمة:

The Compound Interest Calculator is a valuable tool for understanding how investments grow over time due to compound interest. By providing a detailed and organized approach to calculating future value, it helps users make informed financial decisions and plan their investments effectively. Regular updates and reviews ensure the calculations remain accurate and relevant to current financial conditions.