Situasi 1

Saiful

Tahun Pelaburan Kadar Faedah kompaun 12% Jumlah

1 2000 2000 x 0.12 = 240 2000 + 240 = 2240
2 2240 + 2000
= 4240 4240 x 0.12 = 508.8 4240 + 508.80 = 4748.80
3 4748.80 + 2000
= 6748.80 6748.80 x 0.12 = 809.856 6748.80 + 809.856 = 7558.656
4 7558.656 + 2000
= 9558.656 9558.656 x 0.12 = 1147.039 9558.656 + 1147.039 = 10705.69
5 10705.656 + 2000
= 12705.69472 12705.69472 x 0.12 = 1524.683 12705.69472 + 1524.683
= 14230.38
6 14230.38 + 2000 1947.645 18178.02
= 16230.37809
7 18178.02 + 2000 2421.363 22599.39
= 20178.02346
8 22599.39 + 2000 2951.926 27551.31
= 24599.38627
9 27551.31 + 0 3306.158 30857.47
= 27551.31262
10 30857.47 + 0 3702.896 34560.37
= 30857.47014
11 34560.37 + 0 4147.244 38707.61
= 34560.36656
12 38707.61054 4644.913 43352.52
13 43352.52381 5202.303 48554.83
14 48554.82666 5826.579 54381.41
15 54381.40586 6525.769 60907.17
16 60907.17 7308.8604 68216.0304
17 68216.0304 8185.92364 76401.95404
18 76401.95404 9168.23448 85570.18852
19 85570.18852 10268.42262 95838.61114
20 95838.61114 11500.63334 107339.2445
21 107339.2445 12880.70934 120219.9538
22 120219.9538 14426.39446 134646.3483
23 134646.3483 16157.5618 150803.9101
24 150803.9101 180396.46921 168900.3793
25 168900.3793 20268.04552 189168.4248
26 189168.4248 22700.21098 211868.6358
27 211868.6358 25424.23629 237292.8721
28 237292.8721 28475.14465 265768.0168
29 265768.0168 31892.16201 297660.1788
30 297660.1788 35719.22146 333379.4003
31 333379.4003 40005.52803 373384.9283
32 373384.9283 44806.1914 418191.1197
33 418191.1197 50182.93436 468374.0541
34 468374.0541 56204.88649 524578.9406
35 524578.9406 62949.47287 587528.4135
36 587528.4135 70503.40962 658031.8231
37 658031.8231 78963.81877 736995.6419
38 736995.6419 88439.47702 825435.1189
39 825435.1189 99052.21427 924487.3332

Wong

Tahun Pelaburan Kadar Faedah mudah 12% Jumlah

1
2
3
4
5
6
7
8
9 2000 240 2240
10 4000 480 4480
11 6000 720 6720
12 8000 900 8900
13 10000 1200 11200
14 12000 1440 13440
15 14000 1690 15690
16 16000 1920 17920
17 18000 2160 20160
18 20000 2400 22400
19 22000 2640 24640
20 24000 2890 26890
21 26000 3120 29120
22 28000 3360 31360
23 30000 3600 33600
24 32000 3840 35840
25 34000 4080 38080
26 36000 4320 40320
27 38000 4560 42560
28 40000 4800 44800
29 42000 5040 47040
30 44000 5280 49280
31 46000 5520 51520
32 48000 5760 53760
33 50000 6000 56000
34 52000 6240 58240
35 54000 6480 60480
36 56000 6720 62720
37 58000 6900 64960
38 60000 7200 67200
39 62000 7440 69440
Situasi 4

Simpanan

800 x 25 = 20,000

22,656.87 – 20,000 = 2,656.87

Tahun Faedah Deposit sebulan Jumlah

1 0 800 800
2 800 x 0.01 800 800 + 800 + 8
=8 = 1608
3 1608 x 0.01 800 1608 + 800 + 16.08
= 16.08 = 2424.08
4 2424.08 x 0.01 800 2424.08 + 800 + 24.24
= 24.24 = 3248.32
5 3248.32 x 0.01 800 4080.80
= 32.48
6 4080.80 x 0.01 800 4921.60
= 40.80
7 4921.60 x 0.01 800 5770.81
= 49.21
8 5770.81 x 0.01 800 6628.51
= 57.70
9 66.28 800 7494.79
10 74.94 800 8369.73
11 83.69 800 9253.42
12 92.53 800 10145.95
13 101.45 800 11047.4
14 110.47 800 11957.87
15 119.57 800 12877.44
16 128.77 800 13806.21
17 138.06 800 14744.27
18 147.44 800 15691.71
19 156.91 800 16648.62
20 166.48 800 17675.10
21 176.15 800 18651.25
22 186.51 800 19637.76
23 196.37 800 20634.13
24 206.34 800 21640.47
25 216.40 800 22656.87

Pinjaman

800 x 29 = 23,200

23,200 – 20,000 = 3,200

Tahun Bayaran Faedah Principal yang telah Baki prinsipal

Berkala dibayar
0 0 0 0 20000
1 800 20000 x 0.01 = 200 800 – 200 = 600 20000 – 600
 = 19400
2 800 19400 x 0.01 800 – 194 19400 – 606
= 194 = 606 = 18794
3 800 18794 x 0.01 800 – 187.94 18794 – 612.06
= 187.94 = 612.06 = 18181.94
4 800 18181.94 x 0.01 800 – 181.81 18181.94 – 618.19
= 181.81 = 618.19 = 17563.75
5 800 17563.75 x 0.01 800 – 175.63 17563.75 – 624.37
= 175.63 = 624.37 = 16939.38
6 800 16939.38 x 0.01 800 – 169.39 16939.38 – 630.61
= 169.39 = 630.61 = 16308.77
7 800 163.08 636.92 15671.85
8 800 156.71 643.29 15028.56
9 800 150.28 649.72 14378.84
10 800 143.78 656.22 13722.62
11 800 137.22 662.78 13059.84
12 800 130.59 669.41 12390.43
13 800 123.90 676.10 11714.33
14 800 117.14 682.86 11031.47
15 800 110.31 689.69 10341.78
16 800 103.41 696.59 9645.19
17 800 96.45 703.55 8941.64
18 800 89.41 710.59 8231.05
19 800 82.31 717.69 7513.36
20 800 75.13 724.87 6788.49
21 800 67.88 732.12 6056.37
22 800 60.56 739.44 5316.93
23 800 53.16 746.84 4570.09
24 800 45.70 754.30 3815.79
25 800 38.15 761.85 2423.94
26 800 24.23 775.77 1648.17
27 800 16.48 783.52 864.65
28 800 8.64 791.36 73.89
29 800 0.73 799.27 -725.38