Lissafta nawa za ku tara cikin shekaru N da ribar haɗaɗɗiya — tare da jarin farko da gudummawa na yau da kullum.
| Mataki | Dabara |
|---|---|
| Ci gaban jari | FV = P × (1 + r/n)^(n×t) |
| Tare da gudummawa na yau da kullum | + PMT × (((1+r/n)^(n×t) − 1) / (r/n)) |
P — babban jari na farko, r — adadin shekara-shekara, n — lokutan haɗuwa a kowace shekara, t — shekaru, PMT — gudummawar lokaci-lokaci. Wannan ƙirar lissafi ce — ainihin ribar jari na iya canzawa kuma ba a tabbatar da ita ba.
Yawan lokutan da ake ƙara riba ga babban jari, da wuri zai fara samun riba da kansa — haɗawa ta yau da kullum yana ba da ɗan ƙarin sakamako fiye da haɗawa ta shekara a daidai adadin suna.
A'a, wannan lissafin gaba ɗaya ne. Don ainihin ikon siye duba na'urar lissafin hauhawar farashi; harajin duk wata riba (idan ya dace) dole a cire shi daban.
Gudummawa na yau da kullum (dabarar DCA) suna rarraba farashin saye a kan lokaci kuma suna rage tarin haɗari a lokaci guda, tare da cin gajiyar tasirin ribar haɗe-haɗe.
e-Buhalteris na taimaka maka wajen bin diddigin jari, rabon riba da harajin da suka shafi haka.
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