Kalikulateri y'ishoramari

Kalikulateri y'ishoramari

Teganya ubwiyongere bw'ishoramari ukoresheje amafaranga ya mbere, imisanzu ya buri kwezi n'inyungu.

SOBANUKIRWA IGISUBIZO

Ibi bibarwa bite?

Iteganyagihe rikuba buri kwezi inyungu neti y'umwaka idahinduka kandi rikongeraho imisanzu ingana ku mpera za buri kwezi. Inyungu neti ni inyungu ziteganyijwe ukuyemo amafaranga y'umwaka.

Agaciro ko mu gihe kizaza karimo imisanzuFV = Ubwiyongere bw'amafaranga ya mbere + Agaciro ko mu gihe kizaza k'imisanzu ya buri kwezi

Urugero rufatika

Amadolari 10.000 yashowe, hongerwaho amadolari 500 buri kwezi mu myaka 20 ku nyungu za 7%, ashobora kurenga amadolari 270.000 mbere y'imisoro.

Ibyafashwe nk'ukuri, uko ibisubizo bisobanurwa n'amakosa akunze kubaho

Ibyafashwe nk'ukuri mu ibara

  • Inyungu n'amafaranga y'inyongera bikomeza kuba bimwe kandi bikubana buri kwezi.
  • Imisanzu itangwa ku mpera za buri kwezi.
  • Imisoro, izamuka ry'ibiciro, ihindagurika n'iyongera ry'imisanzu ntibibarwa.

Uko wasobanura igisubizo

  • Agaciro kateganyijwe ni urugero, si amafaranga yo mu gihe kizaza yizewe.
  • Imisanzu yerekana amafaranga yatanzwe n'umushoramari.
  • Inyungu cyangwa igihombo bigereranyijwe ni itandukaniro hagati y'agaciro kateganyijwe n'imisanzu.

Amakosa akunze kubaho ugomba kwirinda

  • Gukoresha inyungu y'ibyiringiro byinshi nk'aho yizewe.
  • Kwirengagiza amafaranga y'inyongera, imisoro n'izamuka ry'ibiciro mu kugereranya ibisubizo.
  • Kugereranya ishoramari rifite ibyago bitandukanye ukoresheje inyungu gusa.