Kalkulator oszczędności


Overview

Savings
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Sheet 1: Savings

Kalkulator oszczędności

Limited Use Policy You may download this template free of charge, make archival copies, and customize the template for personal use only. This template or any document including or derived from this template may NOT be sold, distributed, or placed on a public server such as the internet without the express written permission of Vertex42 LLC. Caution: This calculator is for educational and illustrative purposes only and should not be construed as financial advice. The results are only estimates. Please consult a qualified professional regarding financial decisions. No Warranties THE SOFTWARE AND ANY RELATED DOCUMENTATION ARE PROVIDED TO YOU "AS IS." VERTEX42, LLC MAKES NO WARRANTIES, EXPRESS OR IMPLIED, AND EXPRESSLY DISCLAIMS ALL REPRESENTATIONS, ORAL OR WRITTEN, TERMS, CONDITIONS, AND WARRANTIES, INCLUDING BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NONINFRINGEMENT. WITHOUT LIMITING THE ABOVE YOU ACCEPT THAT THE SOFTWARE MAY NOT MEET YOUR REQUIREMENTS, OPERATE ERROR FREE, OR IDENTIFY ANY OR ALL ERRORS OR PROBLEMS, OR DO SO ACCURATELY. This Agreement does not affect any statutory rights you may have as a consumer. Some states do not allow the limitation or exclusion of liability for incidental or consequential damages, so the above limitation may not apply to you. Limitation of Liability IN NO EVENT SHALL VERTEX42, LLC BE LIABLE TO YOU, FOR ANY DAMAGES, INCLUDING ANY LOST PROFITS, LOST SAVINGS, OR ANY OTHER DIRECT, INDIRECT, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES ARISING FROM THE USE OR THE INABILITY TO USE THE SOFTWARE (EVEN IF WE OR AN AUTHORIZED DEALER OR DISTRIBUTOR HAS BEEN ADVISED OF THE POSSIBILITY OF THESE DAMAGES), OR ANY MISTAKES AND NEGLIGENCE IN DEVELOPING THIS SOFTWARE, OR FOR ANY CLAIM BY ANY OTHER PARTY. THE ORGANIZATION, BUSINESS, OR PERSON USING THIS SOFTWARE BEARS ALL RISKS AND RESPONSIBILITY FOR THE QUALITY AND PERFORMANCE OF THIS SOFTWARE. Somes states do not allow the limitation or exclusion of liability for incidental or consequential damages, so the above limitation may not apply to you. © 2008 Vertex42 LLC









Plan oszczędności
[42]


Ilość lat oszczędzania 25




Wpłata początkowa 20 000,00 zł




oczekiwane oprocentowanie 4,00%




Wpłata miesięczna 100,00 zł




Ilość wpłat w ciągu roku 10




dodatkowe roczne wpłaty 0,00 zł













Przewidywane wyniki oszczędności




Kwota po 25 latach 97 078,93 zł




zainwestowana suma 45 000,00 zł




suma zysków 52 078,93 zł






















Podsumowanie roczne
oprocentowanie Zaplanowana wpłata Dodatkowa wpłata przewidywane roczne zyski Rok kasa na koniec roku Faktycznie wpłacone pieniądze wypracowany zysk po latach

20 000,00 zł


20 000,00 zł


4,00% 1 000,00 zł
832,75 zł 1 21 832,75 zł 21 000,00 zł 832,75 zł
4,00% 1 000,00 zł
907,39 zł 2 23 740,14 zł 22 000,00 zł 1 740,14 zł
4,00% 1 000,00 zł
985,08 zł 3 25 725,22 zł 23 000,00 zł 2 725,22 zł
4,00% 1 000,00 zł
1 065,92 zł 4 27 791,14 zł 24 000,00 zł 3 791,14 zł
4,00% 1 000,00 zł
1 150,06 zł 5 29 941,20 zł 25 000,00 zł 4 941,20 zł
4,00% 1 000,00 zł
1 237,63 zł 6 32 178,83 zł 26 000,00 zł 6 178,83 zł
4,00% 1 000,00 zł
1 328,76 zł 7 34 507,60 zł 27 000,00 zł 7 507,60 zł
4,00% 1 000,00 zł
1 423,61 zł 8 36 931,21 zł 28 000,00 zł 8 931,21 zł
4,00% 1 000,00 zł
1 522,32 zł 9 39 453,52 zł 29 000,00 zł 10 453,52 zł
4,00% 1 000,00 zł
1 625,05 zł 10 42 078,57 zł 30 000,00 zł 12 078,57 zł
4,00% 1 000,00 zł
1 731,96 zł 11 44 810,53 zł 31 000,00 zł 13 810,53 zł
4,00% 1 000,00 zł
1 843,22 zł 12 47 653,75 zł 32 000,00 zł 15 653,75 zł
4,00% 1 000,00 zł
1 959,02 zł 13 50 612,78 zł 33 000,00 zł 17 612,78 zł
4,00% 1 000,00 zł
2 079,54 zł 14 53 692,31 zł 34 000,00 zł 19 692,31 zł
4,00% 1 000,00 zł
2 204,96 zł 15 56 897,27 zł 35 000,00 zł 21 897,27 zł
4,00% 1 000,00 zł
2 335,49 zł 16 60 232,76 zł 36 000,00 zł 24 232,76 zł
4,00% 1 000,00 zł
2 471,34 zł 17 63 704,10 zł 37 000,00 zł 26 704,10 zł
4,00% 1 000,00 zł
2 612,72 zł 18 67 316,82 zł 38 000,00 zł 29 316,82 zł
4,00% 1 000,00 zł
2 759,85 zł 19 71 076,67 zł 39 000,00 zł 32 076,67 zł
4,00% 1 000,00 zł
2 912,99 zł 20 74 989,66 zł 40 000,00 zł 34 989,66 zł
4,00% 1 000,00 zł
3 072,35 zł 21 79 062,01 zł 41 000,00 zł 38 062,01 zł
4,00% 1 000,00 zł
3 238,21 zł 22 83 300,22 zł 42 000,00 zł 41 300,22 zł
4,00% 1 000,00 zł
3 410,82 zł 23 87 711,04 zł 43 000,00 zł 44 711,04 zł
4,00% 1 000,00 zł
3 590,47 zł 24 92 301,51 zł 44 000,00 zł 48 301,51 zł
4,00% 1 000,00 zł
3 777,42 zł 25 97 078,93 zł 45 000,00 zł 52 078,93 zł
4,00%


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4,00%


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4,00%


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4,00%


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4,00%


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Sheet 2: Help

HELP & DEFINITIONS

© 2008 Vertex42 LLC
This spreadsheet is for illustrative purposes only. Results are just estimates. Interests rates vary. Taxes on interest earned are not taken into account. Please consult a qualified professional regarding financial decisions.



INPUTS

Expected Annual Interest Rate


This spreadsheet assumes a fixed annual interest rate.


The interest is compounded according to the deposit frequency that you choose, and it is assumed that the deposits are made at the end of each period.

Initial Investment


This is the starting value of your savings account. All other deposits are made at the end of the year or at the end of the specified investment period.

Deposit Amount


The amount you plan to add to your savings account or investment at the end of each deposit period.

Deposits Per Year


Used to specify the number of contributions or deposits made per year. The deposit is made and the end of the period.

1 Annually

2 Semi-Annually

4 Quarterly

12 Monthly

24 Semi-Monthly

26 Bi-Weekly

52 Weekly

365 Daily

Additional Annual Investment


The amount you plan to add to your savings account or investment at the end of each year.



YEARLY SUMMARY

Rate: Estimated Annual Interest Rate


If you want to enter a different rate for each year (such as a negative value for a particularly bad year), you can enter the value in place of the default formula. But, you will need to either undo the change or enter the formula manually if you want to replace the value you entered with the original formula.

Estimated Annual Interest


The interest is calculated using the FV formula to account for the contributions that may be made monthly, weekly, etc. within the year.

Scheduled Deposits


The total scheduled deposits made this year, including the Deposit Amount and the Extra Annual Investments, if any.

Extra Annual Deposits


You can enter a negative amount here to indicate that you plan to make less than the scheduled Additional Annual Investment in a particular year, or a positive amount to indicate that you plan to make a more sizable contribution in a particular year.

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