مقررہ مدت کے قرض کی ماہانہ ادائیگی معلوم کریں، یا یہ جانیں کہ مقررہ ادائیگی سے قرض اتارنے میں کتنا وقت لگے گا۔
ماہانہ ادائیگی
$1,581.59
180 ادائیگیوں کا کل
$284,685.71
کل سود
$84,685.71
قرض کی رقم
$200,000.00
اصل رقم بمقابلہ سود
اصل رقم 70.3%
سود 29.7%
وقت کے ساتھ بقایا رقم
نتائج اندازے ہیں اور مالیاتی مشورہ نہیں۔
قسطوں کا شیڈول
قرض کا سال
سود
اصل رقم
اختتامی بقایا
سال 1
$9,791.31
$9,187.77
$190,812.23
سال 2
$9,321.28
$9,657.80
$181,154.43
سال 3
$8,827.17
$10,151.91
$171,002.52
سال 4
$8,307.78
$10,671.30
$160,331.22
سال 5
$7,761.83
$11,217.25
$149,113.97
سال 6
$7,187.92
$11,791.16
$137,322.81
سال 7
$6,584.67
$12,394.41
$124,928.40
سال 8
$5,950.55
$13,028.53
$111,899.87
سال 9
$5,283.97
$13,695.11
$98,204.76
سال 10
$4,583.31
$14,395.77
$83,808.99
سال 11
$3,846.79
$15,132.29
$68,676.70
سال 12
$3,072.61
$15,906.47
$52,770.23
سال 13
$2,258.79
$16,720.29
$36,049.94
سال 14
$1,403.35
$17,575.73
$18,474.21
سال 15
$504.15
$18,474.21
$0.00
ادائیگی #
سود
اصل رقم
اختتامی بقایا
1
$833.33
$748.26
$199,251.74
2
$830.22
$751.37
$198,500.37
3
$827.08
$754.51
$197,745.86
4
$823.94
$757.65
$196,988.21
5
$820.78
$760.81
$196,227.40
6
$817.61
$763.98
$195,463.42
7
$814.43
$767.16
$194,696.26
8
$811.23
$770.36
$193,925.90
9
$808.02
$773.57
$193,152.33
10
$804.80
$776.79
$192,375.54
11
$801.56
$780.03
$191,595.51
12
$798.31
$783.28
$190,812.23
13
$795.05
$786.54
$190,025.69
14
$791.77
$789.82
$189,235.87
15
$788.48
$793.11
$188,442.76
16
$785.18
$796.41
$187,646.35
17
$781.86
$799.73
$186,846.62
18
$778.53
$803.06
$186,043.56
19
$775.18
$806.41
$185,237.15
20
$771.82
$809.77
$184,427.38
21
$768.45
$813.14
$183,614.24
22
$765.06
$816.53
$182,797.71
23
$761.66
$819.93
$181,977.78
24
$758.24
$823.35
$181,154.43
25
$754.81
$826.78
$180,327.65
26
$751.37
$830.22
$179,497.43
27
$747.91
$833.68
$178,663.75
28
$744.43
$837.16
$177,826.59
29
$740.94
$840.65
$176,985.94
30
$737.44
$844.15
$176,141.79
31
$733.92
$847.67
$175,294.12
32
$730.39
$851.20
$174,442.92
33
$726.85
$854.74
$173,588.18
34
$723.28
$858.31
$172,729.87
35
$719.71
$861.88
$171,867.99
36
$716.12
$865.47
$171,002.52
37
$712.51
$869.08
$170,133.44
38
$708.89
$872.70
$169,260.74
39
$705.25
$876.34
$168,384.40
40
$701.60
$879.99
$167,504.41
41
$697.94
$883.65
$166,620.76
42
$694.25
$887.34
$165,733.42
43
$690.56
$891.03
$164,842.39
44
$686.84
$894.75
$163,947.64
45
$683.12
$898.47
$163,049.17
46
$679.37
$902.22
$162,146.95
47
$675.61
$905.98
$161,240.97
48
$671.84
$909.75
$160,331.22
49
$668.05
$913.54
$159,417.68
50
$664.24
$917.35
$158,500.33
51
$660.42
$921.17
$157,579.16
52
$656.58
$925.01
$156,654.15
53
$652.73
$928.86
$155,725.29
54
$648.86
$932.73
$154,792.56
55
$644.97
$936.62
$153,855.94
56
$641.07
$940.52
$152,915.42
57
$637.15
$944.44
$151,970.98
58
$633.21
$948.38
$151,022.60
59
$629.26
$952.33
$150,070.27
60
$625.29
$956.30
$149,113.97
61
$621.31
$960.28
$148,153.69
62
$617.31
$964.28
$147,189.41
63
$613.29
$968.30
$146,221.11
64
$609.25
$972.34
$145,248.77
65
$605.20
$976.39
$144,272.38
66
$601.13
$980.46
$143,291.92
67
$597.05
$984.54
$142,307.38
68
$592.95
$988.64
$141,318.74
69
$588.83
$992.76
$140,325.98
70
$584.69
$996.90
$139,329.08
71
$580.54
$1,001.05
$138,328.03
72
$576.37
$1,005.22
$137,322.81
73
$572.18
$1,009.41
$136,313.40
74
$567.97
$1,013.62
$135,299.78
75
$563.75
$1,017.84
$134,281.94
76
$559.51
$1,022.08
$133,259.86
77
$555.25
$1,026.34
$132,233.52
78
$550.97
$1,030.62
$131,202.90
79
$546.68
$1,034.91
$130,167.99
80
$542.37
$1,039.22
$129,128.77
81
$538.04
$1,043.55
$128,085.22
82
$533.69
$1,047.90
$127,037.32
83
$529.32
$1,052.27
$125,985.05
84
$524.94
$1,056.65
$124,928.40
85
$520.54
$1,061.05
$123,867.35
86
$516.11
$1,065.48
$122,801.87
87
$511.67
$1,069.92
$121,731.95
88
$507.22
$1,074.37
$120,657.58
89
$502.74
$1,078.85
$119,578.73
90
$498.24
$1,083.35
$118,495.38
91
$493.73
$1,087.86
$117,407.52
92
$489.20
$1,092.39
$116,315.13
93
$484.65
$1,096.94
$115,218.19
94
$480.08
$1,101.51
$114,116.68
95
$475.49
$1,106.10
$113,010.58
96
$470.88
$1,110.71
$111,899.87
97
$466.25
$1,115.34
$110,784.53
98
$461.60
$1,119.99
$109,664.54
99
$456.94
$1,124.65
$108,539.89
100
$452.25
$1,129.34
$107,410.55
101
$447.54
$1,134.05
$106,276.50
102
$442.82
$1,138.77
$105,137.73
103
$438.07
$1,143.52
$103,994.21
104
$433.31
$1,148.28
$102,845.93
105
$428.52
$1,153.07
$101,692.86
106
$423.72
$1,157.87
$100,534.99
107
$418.90
$1,162.69
$99,372.30
108
$414.05
$1,167.54
$98,204.76
109
$409.19
$1,172.40
$97,032.36
110
$404.30
$1,177.29
$95,855.07
111
$399.40
$1,182.19
$94,672.88
112
$394.47
$1,187.12
$93,485.76
113
$389.52
$1,192.07
$92,293.69
114
$384.56
$1,197.03
$91,096.66
115
$379.57
$1,202.02
$89,894.64
116
$374.56
$1,207.03
$88,687.61
117
$369.53
$1,212.06
$87,475.55
118
$364.48
$1,217.11
$86,258.44
119
$359.41
$1,222.18
$85,036.26
120
$354.32
$1,227.27
$83,808.99
121
$349.20
$1,232.39
$82,576.60
122
$344.07
$1,237.52
$81,339.08
123
$338.91
$1,242.68
$80,096.40
124
$333.74
$1,247.85
$78,848.55
125
$328.54
$1,253.05
$77,595.50
126
$323.31
$1,258.28
$76,337.22
127
$318.07
$1,263.52
$75,073.70
128
$312.81
$1,268.78
$73,804.92
129
$307.52
$1,274.07
$72,530.85
130
$302.21
$1,279.38
$71,251.47
131
$296.88
$1,284.71
$69,966.76
132
$291.53
$1,290.06
$68,676.70
133
$286.15
$1,295.44
$67,381.26
134
$280.76
$1,300.83
$66,080.43
135
$275.34
$1,306.25
$64,774.18
136
$269.89
$1,311.70
$63,462.48
137
$264.43
$1,317.16
$62,145.32
138
$258.94
$1,322.65
$60,822.67
139
$253.43
$1,328.16
$59,494.51
140
$247.89
$1,333.70
$58,160.81
141
$242.34
$1,339.25
$56,821.56
142
$236.76
$1,344.83
$55,476.73
143
$231.15
$1,350.44
$54,126.29
144
$225.53
$1,356.06
$52,770.23
145
$219.88
$1,361.71
$51,408.52
146
$214.20
$1,367.39
$50,041.13
147
$208.50
$1,373.09
$48,668.04
148
$202.78
$1,378.81
$47,289.23
149
$197.04
$1,384.55
$45,904.68
150
$191.27
$1,390.32
$44,514.36
151
$185.48
$1,396.11
$43,118.25
152
$179.66
$1,401.93
$41,716.32
153
$173.82
$1,407.77
$40,308.55
154
$167.95
$1,413.64
$38,894.91
155
$162.06
$1,419.53
$37,475.38
156
$156.15
$1,425.44
$36,049.94
157
$150.21
$1,431.38
$34,618.56
158
$144.24
$1,437.35
$33,181.21
159
$138.26
$1,443.33
$31,737.88
160
$132.24
$1,449.35
$30,288.53
161
$126.20
$1,455.39
$28,833.14
162
$120.14
$1,461.45
$27,371.69
163
$114.05
$1,467.54
$25,904.15
164
$107.93
$1,473.66
$24,430.49
165
$101.79
$1,479.80
$22,950.69
166
$95.63
$1,485.96
$21,464.73
167
$89.44
$1,492.15
$19,972.58
168
$83.22
$1,498.37
$18,474.21
169
$76.98
$1,504.61
$16,969.60
170
$70.71
$1,510.88
$15,458.72
171
$64.41
$1,517.18
$13,941.54
172
$58.09
$1,523.50
$12,418.04
173
$51.74
$1,529.85
$10,888.19
174
$45.37
$1,536.22
$9,351.97
175
$38.97
$1,542.62
$7,809.35
176
$32.54
$1,549.05
$6,260.30
177
$26.08
$1,555.51
$4,704.79
178
$19.60
$1,561.99
$3,142.80
179
$13.10
$1,568.49
$1,574.31
180
$6.56
$1,574.31
$0.00
ادائیگی کیلکولیٹر کے بارے میں
جب آپ جانتے ہوں کہ کتنی دیر قرض لینا ہے تو مقررہ مدت ٹیب استعمال کریں: یہ وقت پر ختم کرنے کے لیے درکار ماہانہ ادائیگی بتاتا ہے۔ جب آپ جانتے ہوں کہ ہر ماہ کتنی ادائیگی کر سکتے ہیں تو مقررہ ادائیگی ٹیب استعمال کریں: یہ بتاتا ہے کہ قرض کتنا چلے گا اور آپ کتنا سود ادا کریں گے۔
مقررہ ادائیگی موڈ میں ادائیگی پہلے مہینے کے سود سے بڑی ہونی چاہیے، ورنہ بیلنس کبھی کم نہیں ہوگا۔ ایسا ہونے پر کیلکولیٹر آپ کو بتا دیتا ہے۔
فارمولا
مقررہ مدت: M = L × r ÷ (1 − (1 + r)^−n)
مقررہ ادائیگی: n = −ln(1 − L × r ÷ M) ÷ ln(1 + r)
r = سالانہ شرح ÷ 12؛ L = قرض کی رقم
مثال
15 سال کے لیے 5% پر $200,000 کے قرض کے لیے ماہانہ $1,581.59 درکار ہیں۔ اس کے بجائے ہر ماہ مقررہ $2,000 ادا کرنے سے وہی قرض 130 مہینوں (10 سال 10 ماہ) میں ختم ہو جاتا ہے۔
