Nazi izixhobo ezifumaneka kwi-Free Online zokukunceda ukuLawula imali yakho
I-intanethi yenza imisebenzi yethu yemihla ngemihla ibe lula, ukususela kwiindaba zeendaba kunye nolwazi lwemozulu ukuhlawula iindleko kunye nokufakela irhafu kwi-intanethi. I-Intanethi nayo yindawo eninzi yolwazi kulabo bafuna ukufunda malunga nokulawula iimali zabo.
Enye yezona zincedisi ezinkulu ze-intanethi ziza kwifom ye-calculators ezingakwazi ukwazisa ezininzi zeemfuno eziqhelekileyo zemali zemali ezifana nokuba kufuneka ugcine imali okanye uhlawule ityala nokuba uya kuba nemali eyaneleyo yokuthatha umhlalaphantsi.
Ndiye ndafumana ezininzi ze-intanethi zemali kunye nabacwangcisi bezocwangciso zezemali kwaye ezi ziintando zam intliziyo enokuthi malunga nabani na abangayisebenzisa.
01 Net Worth Calculator
Akukuphela nje ukuba le calculator izakukunika umlinganiselo wenani elikhoyo ngoku, kodwa liya kukuphulaphula ngokwemilinganiselo yeepesenti kwaye kwaye inikezela ngenani lokubala lokubala ukuba ufuna ukumba ubunzulu kumanani.
02 401 (k) Cwangcisa i-Savings Calculator
Ukuze uzive ukuba imini yakho iminikelo iya kubonakala ngathi ngexesha lokuthatha umhlalaphantsi, khangela le 401 (k) i-calculator yokugcina. I-calculator ilula ukuyisebenzisa kunye neakhawunti nayiphi na umdlalo womqeshi onokufaneleka. Le calculator igxininisa ukubaluleka kokuqala kwangoko kunye nokuba luxabiseke kangakanani umlinganiso womqeshi (kubaluleke kakhulu imali!).
03 College Savings Calculator
Ngeendleko zemfundo yekholeji ekukhuphukeni kwinqanaba elikhulayo, abazali abaninzi banenkxalabo yokuba bakwazi ukufumana umntwana wabo ngemfundo ephakamileyo. Le calculator yinto elula njengoko ingafumana kwaye iqale ngomntwana wakho. Ukusuka apho, unokwenza ulungelelanise idatha kunye neengcaphephe ezithinteleyo ezifana nomntu onokulindela ukufundiswa kwikholeji ukuba ibe yintoni kunye neendleko ezipheleleyo ezilindelekileyo zokuzigcina. Akukafaneki ukuba uqale ukugcina imali ekholeji xa ukuthumela umntwana wakho ekholejini kukunye kweenjongo zakho zemali.
04 UkuCwangcisa iMatyala yeMatyala
Esi sibalo sikaloti sinokukunceda ekuphenduleni umbuzo, "Ndiya kubakho nini na amatyala?" Uvele ungene kwibhalansi yetyala, inzala echaphazelekayo, kunye nentlawulo yenyanga (nokuba yintlawulo encinci okanye oko uhlawulayo xa ukhetha ukuhlawula ngaphezulu) ukuze ufumane inyanga nonyaka oya kuba netyala ngaphandle kwakho ukuba awuyi zenzele nayiphi na amatyala amatyala.
Esi sibalo sikhulu kakhulu kwiimboleko zemfundo kunye namatyala eekredit credit. Ngokomzekelo, ukuba ungokuthwala ityala lekhadi lesikweletu, uza kufaka ibhalansi nganye kwikhadi lakho lekredithi, inzala (interest) okanye inkokhelo encinci (okanye unako ukuhlawula). I-calculator inokukuxelela ukuba uza kuthatha ixesha elingakanani ukuhlawulela ibhalansi xa wenza intlawulo encinci nganye ngenyanga, unomdla onjani oya kugcina uhlawule, kwaye xa uya kuba netyala leleko xa wenza intlawulo nganye ngenyanga ukuba ucacise.
I-calculator yinto elula kakhulu ukuyisebenzisa kwaye kunokuba ichaze ngokucacileyo. Nangona ayiyi kukwazi ukusombulula nayiphi na ingxaki yamatyala, inokukunika ulwazi oluyidingayo ukulawula kakuhle amatyala akho.
05 Inkcitho yokuhlawula imali
Le calculator yokuhlawulwa kwemali-mboleko ingakunceda ngokukhawuleza ukuba zeziphi iintlawulo zakho zenyanga ziya kuba semboleko. Le calculator ingaba luncedo gqitha ukuba uceba ukuboleka imali yokuthengwa okukhulu kwixesha elisasa elizayo. I-calculator isetyenziswe ukuba isetyenziswe kwiintlobo zemali-mboleko ezijoliswe kuyo, njengemali-mboleko yemoto okanye i-mortgage fixed.
Ukuze uqalise udinga iincwadana ezimbalwa zolwazi malunga nemali mboleko. Uzakufuna ukungena kwixabiso lexabiso lemali-mboleko yemali, ixesha lokuboleka imali (kwiminyaka okanye kwiinyanga), inzala yomyinge, kunye nomhla wokuqalisa umboleko. Ukuba awuqinisekanga ukuba yeyiphi izinga lentengo ekufuneka ilisebenzise ekuqikelelweni, iBhanki ibuye isinike isixhobo esinikeza amanqanaba amanqanaba enqanaba lamanqanaba athile ebolekisiweyo kunye nomyinge wesizwe okhoyo.
06 I-Fixed Rate ngokumalunga ne-Adjustable Rate Mortgage Calculator
Esi sixhobo siqhathanisa i-mortgages yezinga elimisiweyo kunye neendleko zokuguqula iimali zokuhlala ezihlangene kunye noluhlu ukukunceda ukuba ubone ukuba kukuphi okulungileyo kuwe. Ngokukuthatha uchungechunge lwemibuzo echaphazelekayo malunga nezicwangciso zakho zexesha elizayo ukufumana isincomo
07 Basic Basic Mortgage Calculator
Faka ezinye iinkcukacha eziphambili kule sixhobo kwaye uya kuqikelela ukuba izinga lakho lokulondolozwa kwangoku liyakulungiselela ukuthatha umhlalaphantsi - becinga ukuba ufuna ukugcina ingeniso yakho yonyaka kwimali yomhlalaphantsi. Esi sixhobo siyindawo enhle ukuqala ukuvavanya isicwangciso sakho sokulondoloza umhlala-phantsi, kodwa ukulula kwayo kwakhona ukuwa kweyona ndlela yokucwangcisa imali ngokwemali yomhlalaphantsi. Ukusondeza kukuthatha umhlalaphantsi, ngaphezulu kwezinto omele uziqwalasele. Ukufumana ithuluzi lokucwangcisa umhlalaphantsi ngokukhawuleza, khangela i-calculator yokucwangcisa imali # 6.
08 I-Calculate Planning Calculator
I-calculator yokucwangcisa umhlala-phantsi enikezelwa yi-AARP igxininise ngakumbi kwiimeko eziza kuphazamisa umhlalaphantsi wakho. Esi sixhobo sithatha ingqwalasela kwiminyaka yakho, ingeniso yangoku kunye nenani lokulondoloza, ngaphezu kweminye imiba engekho phantsi kwezinto ezifana noKhuselo loLuntu kunye nokuba uhlala njani umhlala-phantsi wokuthatha umhlalaphantsi. Nangona kungenjalo indawo ye-professional planner, yindawo enkulu yokuqala.