Amortisman hesaplayıcı
Amortization Calculator
Sabit aylık taksitleri hesaplar ve her ödemeyi anapara ile faize ayırır.
Sonuçlar
Kredi tutarı
$200,000.00
Aylık taksit
$1,199.10
Toplam faiz
$231,676.38
Toplam ödeme
$431,676.38
Amortisman grafiği
Kalan bakiyeBiriken faiz
Aylık plan
| Ay | Ödenen faiz | Ödenen anapara | Kalan bakiye |
|---|---|---|---|
| 0 | $0.00 | $0.00 | $200,000.00 |
| 1 | $1,000.00 | $199.10 | $199,800.90 |
| 2 | $999.00 | $200.10 | $199,600.80 |
| 3 | $998.00 | $201.10 | $199,399.71 |
| 4 | $997.00 | $202.10 | $199,197.60 |
| 5 | $995.99 | $203.11 | $198,994.49 |
| 6 | $994.97 | $204.13 | $198,790.36 |
| 7 | $993.95 | $205.15 | $198,585.21 |
| 8 | $992.93 | $206.17 | $198,379.04 |
| 9 | $991.90 | $207.21 | $198,171.83 |
| 10 | $990.86 | $208.24 | $197,963.59 |
| 11 | $989.82 | $209.28 | $197,754.31 |
| 12 | $988.77 | $210.33 | $197,543.98 |
| 13 | $987.72 | $211.38 | $197,332.60 |
| 14 | $986.66 | $212.44 | $197,120.16 |
| 15 | $985.60 | $213.50 | $196,906.66 |
| 16 | $984.53 | $214.57 | $196,692.09 |
| 17 | $983.46 | $215.64 | $196,476.45 |
| 18 | $982.38 | $216.72 | $196,259.73 |
| 19 | $981.30 | $217.80 | $196,041.93 |
| 20 | $980.21 | $218.89 | $195,823.04 |
| 21 | $979.12 | $219.99 | $195,603.05 |
| 22 | $978.02 | $221.09 | $195,381.96 |
| 23 | $976.91 | $222.19 | $195,159.77 |
| 24 | $975.80 | $223.30 | $194,936.47 |
| 25 | $974.68 | $224.42 | $194,712.05 |
| 26 | $973.56 | $225.54 | $194,486.51 |
| 27 | $972.43 | $226.67 | $194,259.84 |
| 28 | $971.30 | $227.80 | $194,032.04 |
| 29 | $970.16 | $228.94 | $193,803.10 |
| 30 | $969.02 | $230.09 | $193,573.01 |
| 31 | $967.87 | $231.24 | $193,341.78 |
| 32 | $966.71 | $232.39 | $193,109.39 |
| 33 | $965.55 | $233.55 | $192,875.83 |
| 34 | $964.38 | $234.72 | $192,641.11 |
| 35 | $963.21 | $235.90 | $192,405.22 |
| 36 | $962.03 | $237.07 | $192,168.14 |
| 37 | $960.84 | $238.26 | $191,929.88 |
| 38 | $959.65 | $239.45 | $191,690.43 |
| 39 | $958.45 | $240.65 | $191,449.78 |
| 40 | $957.25 | $241.85 | $191,207.93 |
| 41 | $956.04 | $243.06 | $190,964.87 |
| 42 | $954.82 | $244.28 | $190,720.59 |
| 43 | $953.60 | $245.50 | $190,475.09 |
| 44 | $952.38 | $246.73 | $190,228.37 |
| 45 | $951.14 | $247.96 | $189,980.41 |
| 46 | $949.90 | $249.20 | $189,731.21 |
| 47 | $948.66 | $250.45 | $189,480.76 |
| 48 | $947.40 | $251.70 | $189,229.06 |
| 49 | $946.15 | $252.96 | $188,976.11 |
| 50 | $944.88 | $254.22 | $188,721.89 |
| 51 | $943.61 | $255.49 | $188,466.40 |
| 52 | $942.33 | $256.77 | $188,209.63 |
| 53 | $941.05 | $258.05 | $187,951.57 |
| 54 | $939.76 | $259.34 | $187,692.23 |
| 55 | $938.46 | $260.64 | $187,431.59 |
| 56 | $937.16 | $261.94 | $187,169.65 |
| 57 | $935.85 | $263.25 | $186,906.40 |
| 58 | $934.53 | $264.57 | $186,641.83 |
| 59 | $933.21 | $265.89 | $186,375.94 |
| 60 | $931.88 | $267.22 | $186,108.71 |
| 61 | $930.54 | $268.56 | $185,840.16 |
| 62 | $929.20 | $269.90 | $185,570.26 |
| 63 | $927.85 | $271.25 | $185,299.01 |
| 64 | $926.50 | $272.61 | $185,026.40 |
| 65 | $925.13 | $273.97 | $184,752.43 |
| 66 | $923.76 | $275.34 | $184,477.09 |
| 67 | $922.39 | $276.72 | $184,200.38 |
| 68 | $921.00 | $278.10 | $183,922.28 |
| 69 | $919.61 | $279.49 | $183,642.79 |
| 70 | $918.21 | $280.89 | $183,361.90 |
| 71 | $916.81 | $282.29 | $183,079.61 |
| 72 | $915.40 | $283.70 | $182,795.91 |
| 73 | $913.98 | $285.12 | $182,510.78 |
| 74 | $912.55 | $286.55 | $182,224.24 |
| 75 | $911.12 | $287.98 | $181,936.26 |
| 76 | $909.68 | $289.42 | $181,646.84 |
| 77 | $908.23 | $290.87 | $181,355.97 |
| 78 | $906.78 | $292.32 | $181,063.65 |
| 79 | $905.32 | $293.78 | $180,769.87 |
| 80 | $903.85 | $295.25 | $180,474.62 |
| 81 | $902.37 | $296.73 | $180,177.89 |
| 82 | $900.89 | $298.21 | $179,879.68 |
| 83 | $899.40 | $299.70 | $179,579.97 |
| 84 | $897.90 | $301.20 | $179,278.77 |
| 85 | $896.39 | $302.71 | $178,976.06 |
| 86 | $894.88 | $304.22 | $178,671.84 |
| 87 | $893.36 | $305.74 | $178,366.10 |
| 88 | $891.83 | $307.27 | $178,058.83 |
| 89 | $890.29 | $308.81 | $177,750.02 |
| 90 | $888.75 | $310.35 | $177,439.67 |
| 91 | $887.20 | $311.90 | $177,127.77 |
| 92 | $885.64 | $313.46 | $176,814.31 |
| 93 | $884.07 | $315.03 | $176,499.28 |
| 94 | $882.50 | $316.60 | $176,182.67 |
| 95 | $880.91 | $318.19 | $175,864.49 |
| 96 | $879.32 | $319.78 | $175,544.71 |
| 97 | $877.72 | $321.38 | $175,223.33 |
| 98 | $876.12 | $322.98 | $174,900.35 |
| 99 | $874.50 | $324.60 | $174,575.75 |
| 100 | $872.88 | $326.22 | $174,249.52 |
| 101 | $871.25 | $327.85 | $173,921.67 |
| 102 | $869.61 | $329.49 | $173,592.18 |
| 103 | $867.96 | $331.14 | $173,261.04 |
| 104 | $866.31 | $332.80 | $172,928.24 |
| 105 | $864.64 | $334.46 | $172,593.78 |
| 106 | $862.97 | $336.13 | $172,257.65 |
| 107 | $861.29 | $337.81 | $171,919.84 |
| 108 | $859.60 | $339.50 | $171,580.34 |
| 109 | $857.90 | $341.20 | $171,239.14 |
| 110 | $856.20 | $342.91 | $170,896.23 |
| 111 | $854.48 | $344.62 | $170,551.61 |
| 112 | $852.76 | $346.34 | $170,205.27 |
| 113 | $851.03 | $348.07 | $169,857.19 |
| 114 | $849.29 | $349.82 | $169,507.38 |
| 115 | $847.54 | $351.56 | $169,155.81 |
| 116 | $845.78 | $353.32 | $168,802.49 |
| 117 | $844.01 | $355.09 | $168,447.40 |
| 118 | $842.24 | $356.86 | $168,090.54 |
| 119 | $840.45 | $358.65 | $167,731.89 |
| 120 | $838.66 | $360.44 | $167,371.45 |
| 121 | $836.86 | $362.24 | $167,009.21 |
| 122 | $835.05 | $364.06 | $166,645.15 |
| 123 | $833.23 | $365.88 | $166,279.28 |
| 124 | $831.40 | $367.70 | $165,911.57 |
| 125 | $829.56 | $369.54 | $165,542.03 |
| 126 | $827.71 | $371.39 | $165,170.64 |
| 127 | $825.85 | $373.25 | $164,797.39 |
| 128 | $823.99 | $375.11 | $164,422.28 |
| 129 | $822.11 | $376.99 | $164,045.29 |
| 130 | $820.23 | $378.87 | $163,666.41 |
| 131 | $818.33 | $380.77 | $163,285.64 |
| 132 | $816.43 | $382.67 | $162,902.97 |
| 133 | $814.51 | $384.59 | $162,518.38 |
| 134 | $812.59 | $386.51 | $162,131.87 |
| 135 | $810.66 | $388.44 | $161,743.43 |
| 136 | $808.72 | $390.38 | $161,353.05 |
| 137 | $806.77 | $392.34 | $160,960.71 |
| 138 | $804.80 | $394.30 | $160,566.41 |
| 139 | $802.83 | $396.27 | $160,170.15 |
| 140 | $800.85 | $398.25 | $159,771.90 |
| 141 | $798.86 | $400.24 | $159,371.65 |
| 142 | $796.86 | $402.24 | $158,969.41 |
| 143 | $794.85 | $404.25 | $158,565.16 |
| 144 | $792.83 | $406.28 | $158,158.88 |
| 145 | $790.79 | $408.31 | $157,750.58 |
| 146 | $788.75 | $410.35 | $157,340.23 |
| 147 | $786.70 | $412.40 | $156,927.83 |
| 148 | $784.64 | $414.46 | $156,513.37 |
| 149 | $782.57 | $416.53 | $156,096.83 |
| 150 | $780.48 | $418.62 | $155,678.21 |
| 151 | $778.39 | $420.71 | $155,257.50 |
| 152 | $776.29 | $422.81 | $154,834.69 |
| 153 | $774.17 | $424.93 | $154,409.76 |
| 154 | $772.05 | $427.05 | $153,982.71 |
| 155 | $769.91 | $429.19 | $153,553.52 |
| 156 | $767.77 | $431.33 | $153,122.19 |
| 157 | $765.61 | $433.49 | $152,688.70 |
| 158 | $763.44 | $435.66 | $152,253.04 |
| 159 | $761.27 | $437.84 | $151,815.21 |
| 160 | $759.08 | $440.03 | $151,375.18 |
| 161 | $756.88 | $442.23 | $150,932.96 |
| 162 | $754.66 | $444.44 | $150,488.52 |
| 163 | $752.44 | $446.66 | $150,041.86 |
| 164 | $750.21 | $448.89 | $149,592.97 |
| 165 | $747.96 | $451.14 | $149,141.83 |
| 166 | $745.71 | $453.39 | $148,688.44 |
| 167 | $743.44 | $455.66 | $148,232.78 |
| 168 | $741.16 | $457.94 | $147,774.85 |
| 169 | $738.87 | $460.23 | $147,314.62 |
| 170 | $736.57 | $462.53 | $146,852.09 |
| 171 | $734.26 | $464.84 | $146,387.25 |
| 172 | $731.94 | $467.16 | $145,920.09 |
| 173 | $729.60 | $469.50 | $145,450.58 |
| 174 | $727.25 | $471.85 | $144,978.74 |
| 175 | $724.89 | $474.21 | $144,504.53 |
| 176 | $722.52 | $476.58 | $144,027.95 |
| 177 | $720.14 | $478.96 | $143,548.99 |
| 178 | $717.74 | $481.36 | $143,067.63 |
| 179 | $715.34 | $483.76 | $142,583.87 |
| 180 | $712.92 | $486.18 | $142,097.69 |
| 181 | $710.49 | $488.61 | $141,609.08 |
| 182 | $708.05 | $491.06 | $141,118.02 |
| 183 | $705.59 | $493.51 | $140,624.51 |
| 184 | $703.12 | $495.98 | $140,128.53 |
| 185 | $700.64 | $498.46 | $139,630.07 |
| 186 | $698.15 | $500.95 | $139,129.12 |
| 187 | $695.65 | $503.46 | $138,625.67 |
| 188 | $693.13 | $505.97 | $138,119.69 |
| 189 | $690.60 | $508.50 | $137,611.19 |
| 190 | $688.06 | $511.05 | $137,100.15 |
| 191 | $685.50 | $513.60 | $136,586.55 |
| 192 | $682.93 | $516.17 | $136,070.38 |
| 193 | $680.35 | $518.75 | $135,551.63 |
| 194 | $677.76 | $521.34 | $135,030.29 |
| 195 | $675.15 | $523.95 | $134,506.34 |
| 196 | $672.53 | $526.57 | $133,979.77 |
| 197 | $669.90 | $529.20 | $133,450.56 |
| 198 | $667.25 | $531.85 | $132,918.72 |
| 199 | $664.59 | $534.51 | $132,384.21 |
| 200 | $661.92 | $537.18 | $131,847.03 |
| 201 | $659.24 | $539.87 | $131,307.16 |
| 202 | $656.54 | $542.57 | $130,764.60 |
| 203 | $653.82 | $545.28 | $130,219.32 |
| 204 | $651.10 | $548.00 | $129,671.31 |
| 205 | $648.36 | $550.74 | $129,120.57 |
| 206 | $645.60 | $553.50 | $128,567.07 |
| 207 | $642.84 | $556.27 | $128,010.81 |
| 208 | $640.05 | $559.05 | $127,451.76 |
| 209 | $637.26 | $561.84 | $126,889.92 |
| 210 | $634.45 | $564.65 | $126,325.27 |
| 211 | $631.63 | $567.47 | $125,757.79 |
| 212 | $628.79 | $570.31 | $125,187.48 |
| 213 | $625.94 | $573.16 | $124,614.32 |
| 214 | $623.07 | $576.03 | $124,038.29 |
| 215 | $620.19 | $578.91 | $123,459.38 |
| 216 | $617.30 | $581.80 | $122,877.57 |
| 217 | $614.39 | $584.71 | $122,292.86 |
| 218 | $611.46 | $587.64 | $121,705.22 |
| 219 | $608.53 | $590.57 | $121,114.65 |
| 220 | $605.57 | $593.53 | $120,521.12 |
| 221 | $602.61 | $596.50 | $119,924.62 |
| 222 | $599.62 | $599.48 | $119,325.15 |
| 223 | $596.63 | $602.48 | $118,722.67 |
| 224 | $593.61 | $605.49 | $118,117.18 |
| 225 | $590.59 | $608.52 | $117,508.67 |
| 226 | $587.54 | $611.56 | $116,897.11 |
| 227 | $584.49 | $614.62 | $116,282.49 |
| 228 | $581.41 | $617.69 | $115,664.81 |
| 229 | $578.32 | $620.78 | $115,044.03 |
| 230 | $575.22 | $623.88 | $114,420.15 |
| 231 | $572.10 | $627.00 | $113,793.15 |
| 232 | $568.97 | $630.14 | $113,163.01 |
| 233 | $565.82 | $633.29 | $112,529.73 |
| 234 | $562.65 | $636.45 | $111,893.27 |
| 235 | $559.47 | $639.63 | $111,253.64 |
| 236 | $556.27 | $642.83 | $110,610.81 |
| 237 | $553.05 | $646.05 | $109,964.76 |
| 238 | $549.82 | $649.28 | $109,315.48 |
| 239 | $546.58 | $652.52 | $108,662.96 |
| 240 | $543.31 | $655.79 | $108,007.17 |
| 241 | $540.04 | $659.07 | $107,348.11 |
| 242 | $536.74 | $662.36 | $106,685.75 |
| 243 | $533.43 | $665.67 | $106,020.07 |
| 244 | $530.10 | $669.00 | $105,351.07 |
| 245 | $526.76 | $672.35 | $104,678.73 |
| 246 | $523.39 | $675.71 | $104,003.02 |
| 247 | $520.02 | $679.09 | $103,323.93 |
| 248 | $516.62 | $682.48 | $102,641.45 |
| 249 | $513.21 | $685.89 | $101,955.56 |
| 250 | $509.78 | $689.32 | $101,266.24 |
| 251 | $506.33 | $692.77 | $100,573.47 |
| 252 | $502.87 | $696.23 | $99,877.23 |
| 253 | $499.39 | $699.71 | $99,177.52 |
| 254 | $495.89 | $703.21 | $98,474.30 |
| 255 | $492.37 | $706.73 | $97,767.57 |
| 256 | $488.84 | $710.26 | $97,057.31 |
| 257 | $485.29 | $713.81 | $96,343.50 |
| 258 | $481.72 | $717.38 | $95,626.11 |
| 259 | $478.13 | $720.97 | $94,905.14 |
| 260 | $474.53 | $724.58 | $94,180.57 |
| 261 | $470.90 | $728.20 | $93,452.37 |
| 262 | $467.26 | $731.84 | $92,720.53 |
| 263 | $463.60 | $735.50 | $91,985.03 |
| 264 | $459.93 | $739.18 | $91,245.86 |
| 265 | $456.23 | $742.87 | $90,502.98 |
| 266 | $452.51 | $746.59 | $89,756.40 |
| 267 | $448.78 | $750.32 | $89,006.08 |
| 268 | $445.03 | $754.07 | $88,252.01 |
| 269 | $441.26 | $757.84 | $87,494.17 |
| 270 | $437.47 | $761.63 | $86,732.54 |
| 271 | $433.66 | $765.44 | $85,967.10 |
| 272 | $429.84 | $769.27 | $85,197.83 |
| 273 | $425.99 | $773.11 | $84,424.72 |
| 274 | $422.12 | $776.98 | $83,647.74 |
| 275 | $418.24 | $780.86 | $82,866.88 |
| 276 | $414.33 | $784.77 | $82,082.12 |
| 277 | $410.41 | $788.69 | $81,293.42 |
| 278 | $406.47 | $792.63 | $80,500.79 |
| 279 | $402.50 | $796.60 | $79,704.19 |
| 280 | $398.52 | $800.58 | $78,903.61 |
| 281 | $394.52 | $804.58 | $78,099.03 |
| 282 | $390.50 | $808.61 | $77,290.42 |
| 283 | $386.45 | $812.65 | $76,477.78 |
| 284 | $382.39 | $816.71 | $75,661.06 |
| 285 | $378.31 | $820.80 | $74,840.27 |
| 286 | $374.20 | $824.90 | $74,015.37 |
| 287 | $370.08 | $829.02 | $73,186.34 |
| 288 | $365.93 | $833.17 | $72,353.17 |
| 289 | $361.77 | $837.34 | $71,515.84 |
| 290 | $357.58 | $841.52 | $70,674.32 |
| 291 | $353.37 | $845.73 | $69,828.59 |
| 292 | $349.14 | $849.96 | $68,978.63 |
| 293 | $344.89 | $854.21 | $68,124.42 |
| 294 | $340.62 | $858.48 | $67,265.94 |
| 295 | $336.33 | $862.77 | $66,403.17 |
| 296 | $332.02 | $867.09 | $65,536.09 |
| 297 | $327.68 | $871.42 | $64,664.67 |
| 298 | $323.32 | $875.78 | $63,788.89 |
| 299 | $318.94 | $880.16 | $62,908.73 |
| 300 | $314.54 | $884.56 | $62,024.17 |
| 301 | $310.12 | $888.98 | $61,135.19 |
| 302 | $305.68 | $893.43 | $60,241.77 |
| 303 | $301.21 | $897.89 | $59,343.88 |
| 304 | $296.72 | $902.38 | $58,441.50 |
| 305 | $292.21 | $906.89 | $57,534.60 |
| 306 | $287.67 | $911.43 | $56,623.17 |
| 307 | $283.12 | $915.99 | $55,707.19 |
| 308 | $278.54 | $920.57 | $54,786.62 |
| 309 | $273.93 | $925.17 | $53,861.46 |
| 310 | $269.31 | $929.79 | $52,931.66 |
| 311 | $264.66 | $934.44 | $51,997.22 |
| 312 | $259.99 | $939.11 | $51,058.10 |
| 313 | $255.29 | $943.81 | $50,114.29 |
| 314 | $250.57 | $948.53 | $49,165.76 |
| 315 | $245.83 | $953.27 | $48,212.49 |
| 316 | $241.06 | $958.04 | $47,254.45 |
| 317 | $236.27 | $962.83 | $46,291.62 |
| 318 | $231.46 | $967.64 | $45,323.98 |
| 319 | $226.62 | $972.48 | $44,351.50 |
| 320 | $221.76 | $977.34 | $43,374.16 |
| 321 | $216.87 | $982.23 | $42,391.93 |
| 322 | $211.96 | $987.14 | $41,404.78 |
| 323 | $207.02 | $992.08 | $40,412.71 |
| 324 | $202.06 | $997.04 | $39,415.67 |
| 325 | $197.08 | $1,002.02 | $38,413.65 |
| 326 | $192.07 | $1,007.03 | $37,406.61 |
| 327 | $187.03 | $1,012.07 | $36,394.55 |
| 328 | $181.97 | $1,017.13 | $35,377.42 |
| 329 | $176.89 | $1,022.21 | $34,355.20 |
| 330 | $171.78 | $1,027.33 | $33,327.88 |
| 331 | $166.64 | $1,032.46 | $32,295.42 |
| 332 | $161.48 | $1,037.62 | $31,257.79 |
| 333 | $156.29 | $1,042.81 | $30,214.98 |
| 334 | $151.07 | $1,048.03 | $29,166.96 |
| 335 | $145.83 | $1,053.27 | $28,113.69 |
| 336 | $140.57 | $1,058.53 | $27,055.16 |
| 337 | $135.28 | $1,063.83 | $25,991.33 |
| 338 | $129.96 | $1,069.14 | $24,922.19 |
| 339 | $124.61 | $1,074.49 | $23,847.70 |
| 340 | $119.24 | $1,079.86 | $22,767.83 |
| 341 | $113.84 | $1,085.26 | $21,682.57 |
| 342 | $108.41 | $1,090.69 | $20,591.88 |
| 343 | $102.96 | $1,096.14 | $19,495.74 |
| 344 | $97.48 | $1,101.62 | $18,394.12 |
| 345 | $91.97 | $1,107.13 | $17,286.99 |
| 346 | $86.43 | $1,112.67 | $16,174.32 |
| 347 | $80.87 | $1,118.23 | $15,056.09 |
| 348 | $75.28 | $1,123.82 | $13,932.27 |
| 349 | $69.66 | $1,129.44 | $12,802.83 |
| 350 | $64.01 | $1,135.09 | $11,667.75 |
| 351 | $58.34 | $1,140.76 | $10,526.98 |
| 352 | $52.63 | $1,146.47 | $9,380.52 |
| 353 | $46.90 | $1,152.20 | $8,228.32 |
| 354 | $41.14 | $1,157.96 | $7,070.36 |
| 355 | $35.35 | $1,163.75 | $5,906.61 |
| 356 | $29.53 | $1,169.57 | $4,737.04 |
| 357 | $23.69 | $1,175.42 | $3,561.63 |
| 358 | $17.81 | $1,181.29 | $2,380.33 |
| 359 | $11.90 | $1,187.20 | $1,193.14 |
| 360 | $5.97 | $1,193.14 | $0.00 |
Nasıl kullanılır
- Kredi tutarını, yıllık faiz oranını ve kredi vadesini yıl olarak girin.
- Özet kartlarda aylık ödeme, toplam faiz ve toplam ödemeyi inceleyin.
- Anapara ve faizin her yıl nasıl değiştiğini görmek için grafiği ve tabloyu kullanın.
FAQ
Bu amortisman hesaplayıcı ne gösterir?
Tam amortismanlı bir kredi için sabit aylık ödeme hesaplar, ardından her ödemeyi anapara ve faize ayıran yıllık bir plan oluşturur. Ayrıca grafikte kalan bakiye ve birikmiş faizi gösterir.
Grafik çizgileri ne anlama gelir?
Kalan bakiye (mavi, düşen) hâlâ ne kadar borcunuz olduğunu gösterir. Birikmiş faiz (yeşil, yükselen) şimdiye kadar ödenen toplam faizdir. İlk yıllarda daha fazla faiz; sonraki yıllarda daha fazla anapara ödenir.
Hangi formül kullanılıyor?
Aylık ödeme PMT = P × [r(1+r)^n] / [(1+r)^n − 1] formülüyle hesaplanır; burada P kredi tutarı, r aylık oran ve n aydır. Her ay: faiz = bakiye × r, anapara = ödeme − faiz.
Verilerim yükleniyor mu?
Hayır. İşlem tarayıcınızda yerel olarak çalışır.
Bu araç finansal tavsiye sağlar mı?
Hayır. Sonuçlar yalnızca bilgilendirme amaçlı tahminlerdir ve profesyonel tavsiyenin yerini tutmaz.
Giriş
Amortisman hesaplayıcı, sabit faizli bir kredinin zaman içinde nasıl geri ödendiğini anlamanıza yardımcı olur: her aylık ödeme ne kadar, ne kadarı faize ve anaparaya gidiyor ve kalan bakiye nasıl sıfıra iniyor.
Kredi tutarını, aylık faiz oranını ve vadeyi girin. Araç ödemenizi hesaplar ve aylık plan ile etkileşimli bir grafik gösterir.
Amortisman hesaplayıcı nedir?
Amortisman hesaplayıcı üç girdi kullanır:
- Kredi tutarı — toplam borç alınan miktar
- Yıllık faiz oranı (%) — aylık borçlanma maliyeti
- Kredi vadesi (yıl) — ne kadar süre geri ödeyeceğiniz
Şunları tahmin eder:
- Aylık ödeme — her ay sabit ödeme
- Toplam faiz — tam vade boyunca ödenen tüm faiz
- Toplam ödeme — anapara artı toplam faiz
Etkileşimli bir grafik ve aylık tablo, geri ödemenin zaman içinde faiz ve anapara arasında nasıl bölündüğünü gösterir.
Grafik çizgilerini anlama
Grafik, kredi geri ödeme ilerlemesini izleyen iki çizgi gösterir.
1. Kalan bakiye (mavi çizgi)
Ne gösterir: Her yılın sonunda hâlâ ne kadar borcunuz olduğu.
Neden önemli: Bu çizgi kredi ödendikçe sıfıra doğru iner. Her ödemenin daha fazlası anaparaya gittiği son yıllarda eğri daha dikleşir.
2. Birikmiş faiz (yeşil çizgi)
Ne gösterir: Başlangıçtan her yıla kadar ödenen toplam faiz.
Neden önemli: Bu çizgi kredi boyunca yükselir. Bakiye en yüksekken çoğu faiz erken dönemde ödenir — kredi maliyetlerini karşılaştırmak için önemli bir içgörü.
Aylık ödeme nasıl hesaplanır?
Araç, tam amortismanlı bir kredide sabit aylık ödeme varsayar:
PMT = P × [r(1 + r)^n] / [(1 + r)^n − 1]
Burada:
P= kredi tutarır= aylık oran ÷ 12 (ondalık olarak aylık oran)n= yıl × 12 (ay sayısı)PMT= aylık ödeme
Her ay:
- Faiz = kalan bakiye ×
r - Anapara = ödeme − faiz
- Yeni bakiye = eski bakiye − anapara
Faiz oranı %0 ise ödeme P / n olarak sadeleşir.
Yaygın kullanım senaryoları
- İpotek, taşıt kredisi veya bireysel kredi için aylık ödemeleri tahmin etme.
- Borç almadan önce toplam faiz maliyetini görme.
- Daha kısa vade veya daha düşük oranın ödenen faizi nasıl azalttığını karşılaştırma.
- Amortismanın faiz ağırlıklı ödemelerden anapara ağırlıklı ödemelere nasıl kaydığını öğretme.
Eşit taksit vs eşit anapara
Her kredi aynı yapıyı kullanmaz. Bu araç eşit aylık taksit (amortisman) kullanır: toplam ödeme sabit kalır, faiz ve anapara payı değişir. Eşit anapara (trả gốc đều) yönteminde aylık anapara sabit, toplam ödeme düşer.
| Eşit taksit (bu araç) | Eşit anapara | |
|---|---|---|
| Sabit kalan | Aylık toplam ödeme | Aylık anapara |
| Değişen | Anapara↑ faiz↓ | Toplam ödeme↓ |
| İlk aylar | Daha düşük toplam ödeme | Daha yüksek toplam ödeme |
| Toplam faiz (aynı oran ve vade) | Daha yüksek | Daha düşük — daha hızlı anapara |
| Yaygın olduğu yerler | ABD, Avrupa, Hindistan, Japonya | Çin, Vietnam, bazı Asya kurumsal kredileri |
| Dene | Eşit taksit (bu araç) (buradasınız) | Eşit Anapara Hesaplayıcı |
En iyi uygulamalar
- Kredi vereninizin son ödeme için aynı yuvarlama kurallarını kullanıp kullanmadığını doğrulayın.
- Vergiler, sigorta ve ücretler, girdileri manuel olarak ayarlamadığınız sürece dahil edilmez.
- Ek anapara ödemeleri modellenmez — bu araç yalnızca sabit planlanmış ödemeler varsayar.
- Çıktıları garanti veya finansal tavsiye değil, planlama tahminleri olarak değerlendirin.