Sinking Fundని ఎలా లెక్కించాలి
Sinking Fund అంటే ఏమిటి?
A sinking fund is a dedicated savings account for a planned future expense. Instead of borrowing when the expense arrives, you save a fixed amount each month in advance — eliminating debt and interest.
సూత్రం
monthly_contribution = future_goal / months; or FV = payment × [((1 + r)^n - 1) / r]
- goal
- Future goal ($) — Amount you want to save
- months
- Time horizon (months) — Months until goal date
- rate
- Interest rate (%) — Annual rate on sinking fund (optional)
- payment
- Monthly payment ($) — Amount to set aside each month
దశల వారీ గైడ్
- 1Monthly Saving = (Goal − Already Saved) ÷ Months Remaining
- 2Common sinking funds: car replacement, holiday, home repairs, Christmas
- 3Separate accounts for each fund prevent accidental spending
- 4High-interest savings accounts maximise growth
పరిష్కరించిన ఉదాహరణలు
ఇన్పుట్
$3,000 holiday in 6 months
ఫలితం
Save $500/month
ఇన్పుట్
$10,000 car deposit in 2 years
ఫలితం
Save $416.67/month
ఇన్పుట్
$1,200 Christmas fund, 10 months
ఫలితం
Save $120/month
తరచుగా అడిగే ప్రశ్నలు
What is a sinking fund?
Regularly saving towards a large future expense (car, home repair, vacation). Unlike an emergency fund, this is for planned spending.
Should I earn interest on a sinking fund?
Yes! Even 4–5% in a high-yield savings account helps. Formula adjusts for compounding interest.
What are common sinking funds?
Car maintenance/replacement, home repairs, insurance deductibles, vacation, wedding, annual subscriptions.
లెక్కించడానికి సిద్ధంగా ఉన్నారా? ఉచిత Sinking Fund కాలిక్యులేటర్ని ప్రయత్నించండి
దీన్ని మీరే ప్రయత్నించండి →