Dhammaantiin waxaad barateen qaacidada aad ku xisaabinaysaan xiisaha isku xidhka ee dugsigaaga. Isku dhafka iyo xiisaha fudud^{(Compound and simple interests)} ayaa ka mid ah codsiyada xisaabeed ee loo isticmaalay nolosha dhabta ah sanado badan. Xaaladaha qaarkood ee nolosheenna, waxaan u baahanahay inaan xisaabino danaha fudud iyo kuwa isku dhafan. Tusaale ahaan, marka aynu lacag ka soo amaahanno shirkado maaliyadeed ama saaxiibkayaga oo aan ka soo qaadanno qadar dulsaar ah, waa in aan ogaanno xisaabinta dhismaha iyo danaha fudud si aan nafteena uga badbaadino in la khiyaameeyo.

Marka laga reebo xisaabinta xiisaha dhismaha ee warqadda, haddii aad taqaanid sida loo xisaabiyo Excel , waxay noqon doontaa faa'iido dheeraad ah oo ku saabsan xirfaddaada. Qaaciddada sare, P waxay u taagan tahay qiimaha ugu muhiimsan, R waa heerka dulsaarka, iyo n waa wadarta wakhtiga.

Halkan, waxaan ku baran doonaa xisaabinta xiisaha isku dhafan iyadoo la adeegsanayo Excel . Laakiin inta aynaan bilaabin, aynu eegno ereyada loo isticmaalo xisaabinta dulsaarka isku dhafan.

• Isku darka sanad walba ama sanadle^{(Compounded annually or yearly)} : Halkan, heerka dulsaarka waxaa lagu dabaqaa qiimaha maamulaha sanad kasta.
• Isku darka nuska sanadlaha ah ama nus-sanadlaha^{(Compounded half-yearly or semi-annually)} : Halkan, qiimaha ugu muhiimsan waa la kordhiyaa 6dii biloodba mar, taas oo macnaheedu yahay laba jeer sannadkii. Si loo xisaabiyo dulsaarka isku dhafan nus-sanad kasta, waa inaan ku dhufano n 2 oo aan u qaybinnaa heerka 2.
• Isku-darka saddex-biloodlaha ah^{(Compounded quarterly)} : Sannad kasta wuxuu leeyahay afar rubuc. Halkan, qiimaha ugu muhiimsan ayaa kordhay 3dii biloodba mar, taas oo macnaheedu yahay 4 jeer sannadkii. Si loo xisaabiyo dulsaarka isku dhafan saddexdii biloodba mar, waa inaan ku dhufano n 4 oo aan u qaybinnaa heerka ribada 4.
• Isku-darka bishii^{(Compounded monthly)} : Waxaa jira 12 bilood sannadkii. Sidaa darteed^(Therefore) , bishii la isku daray waxay ka dhigan tahay in dulsaarka la dabaqo bil kasta. Haddaba^(Hence) , waa in aan ku dhufano n 12 oo aan u qaybinno heerka ribada 12.

Sida loo xisaabiyo Interest Compound^{(Compound Interest)} (CI) gudaha Excel

Waxaan ka wada hadli doonaa halkan:

1. Marka heerka dulsaarka la kordhiyo sannadkii.
2. Marka heerka dulsaarka la kordhiyo nus-sannad kasta.
3. Marka heerka dulsaarka la kordhiyo saddexdii biloodba mar.
4. Marka heerka dulsaarka la kordhiyo bishii.

Aynu aragno xisaabinta xiisaha isku dhafan ee Excel .

1] Xisaabinta Xiisaha Isku-darka Sannadlaha^{(Interest Compounded Annually)} ah ee Excel

Aynu soo qaadanno xog muunad leh oo leh qiimayaasha soo socda:

• P = 1000
• R = 10%
• n = 5 sano

Geli^(Enter) xogta sare ee Excel oo ku qor qaacidada soo socota:

=B1*(1+B2)^B3

B1, B2, iyo B3 waa ciwaanada unugga ee tilmaamaya qiimaha ugu muhiimsan, heerka dulsaarka, iyo wakhtiga siday u kala horreeyaan. Fadlan^(Please) u geli ciwaanka unugga si sax ah, haddii kale, waxaad heli doontaa qalad.

2] Xisaabinta Dulsaarka^(Interest) Isku -dhafan Nus-sannad kasta^{(Half-yearly)} gudaha Excel

Halkan, waa inaan ku darnaa hal qiime oo dheeri ah xogtayada, xilliyo isku dhafan sanadkiiba. Sida kor lagu sharaxay, laba sano oo badhkeed waxay sameeyaan sanad dhammaystiran. Sidaa darteed^(Therefore) , waxaa jira 2 xilli oo isku-dhafan sanadkii badhkii.

• Maamule = 1000
• Heerka dulsaarka = 10%
• Waqtiga = 5 sano
• Mudada isku dhafan sanadkiiba = 2

Geli^(Enter) xogta sare ee Excel oo ku qor qaacidada soo socota:

=B1*(1+(B2/B4))^(B3*B4)

Eeg, waxaanu u qaybinay heerka dulsaarka (qiimaha unugga B2) 2 (qiimaha unugga B4) oo aanu ku dhufano wakhtiga (qiimaha unugga B3) 2 (qiimaha unugga B4).

3] Xisaabinta Dulsaarka ^(Interest)Saddex-biloodlaha^(Quarterly) ah ee Excel

Halkan, qaaciddada ayaa weli ah mid la mid ah, taas oo aan u isticmaalnay xisaabinta CI nus-sannadeed. Hadda, waa inaad beddeshaa qiyamka unugyadooda. Xisaabinta CI saddexdii biloodba mar, u beddel qiimaha unugga B4 una beddel 4.

4] Xisaabinta Xiisaha Isku-darka Bil kasta^{(Interest Compounded Monthly)} ee Excel

Si loo xisaabiyo dulsaarka la isku daray bishii, u beddel qiimaha unugga B4 una beddel 12 oo isticmaal isla qaacidada.

Waa kaas. Noo soo sheeg haddii aad wax su'aalo ah ka qabto xisaabinta CI ee Excel .

Akhri soo socda^{(Read next)} : Sida loo xisaabiyo xiisaha fudud ee Excel^{(How to Calculate Simple Interest in Excel)} .

How to Calculate Compound Interest in Excel

All оf you have learned the formula to cаlculate the cоmpound intereѕt in your school. Compound and simple interests are among the mathematical applications that have been used in real life for years. At certain instances in our life, we need to calculate the simple and compound interests. For example, when we borrow money either from financial companies or from our friend at a certain rate of interest, we should know the calculations of the compound and simple interests to save ourselves from being cheated.

Apart from calculating the compound interest on paper, if you know how to calculate it in Excel, it will be an added advantage to your professionalism. In the above formula, P stands for the principal value, R is the rate of interest, and n is total time.

Here, we will learn to calculate compound interest using Excel. But before we begin, let’s have a look at the terms used in compound interest calculations.

• Compounded annually or yearly: Here, the rate of interest is applied to the principal value every year.
• Compounded half-yearly or semi-annually: Here, the principal value is increased after every 6 months, which means two times a year. To calculate compound interest half-yearly, we have to multiply n by 2 and divide the rate by 2.
• Compounded quarterly: Every year has four quarters. Here, the principal value gets increased after every 3 months, which means 4 times a year. To calculate compound interest quarterly, we have to multiply n by 4 and divide the rate of interest by 4.
• Compounded monthly: There are 12 months in a year. Therefore, compounded monthly means the interest is applied every month. Hence, we have to multiply the n by 12 and divide the rate of interest by 12.

How to calculate Compound Interest (CI) in Excel

We will discuss here:

1. When the rate of interest is compounded annually.
2. When the rate of interest is compounded semi-annually.
3. When the rate of interest is compounded quarterly.
4. When the rate of interest is compounded monthly.

Let’s see the calculation of compound interest in Excel.

1] Calculating Interest Compounded Annually in Excel

Let’s take a sample data with the following values:

• P = 1000
• R = 10%
• n = 5 years

Enter the above data in Excel and write the following formula:

=B1*(1+B2)^B3

B1, B2, and B3 are the cell addresses that indicate principal value, rate of interest, and time respectively. Please enter the cell address correctly, otherwise, you will get an error.

2] Calculating Interest Compounded Half-yearly in Excel

Here, we have to add one more value to our data, compounding periods per year. As explained above, two half years make a complete year. Therefore, there are 2 compounding periods in half-yearly.

• Principal = 1000
• Rate of interest = 10%
• Time = 5 years
• Compounding periods per year = 2

Enter the above data in Excel and write the following formula:

=B1*(1+(B2/B4))^(B3*B4)

See, we have divided the rate of interest (value in the B2 cell) by 2 (value in the B4 cell) and multiplied the time (value on the B3 cell) by 2 (value in the B4 cell).

3] Calculating Interest Compounded Quarterly in Excel

Here, the formula remains the same, which we have used in the calculation of CI half-yearly. Now, you just have to change the values in the respective cells. For quarterly CI calculation, change the value of the B4 cell to 4.

4] Calculating Interest Compounded Monthly in Excel

To calculate the interest compounded monthly, change the value of the B4 cell to 12 and use the same formula.

That’s it. Let us know if you have any questions regarding the calculation of CI in Excel.

Read next: How to Calculate Simple Interest in Excel.

Related posts

• Sida loo xisaabiyo dulsaarka fudud ee Excel

• Sida loo isticmaalo Percentile.Exc function gudaha Excel

• Sida loo isticmaalo shaqada NETWORKDAYS gudaha Excel

• Sida loo tiriyo lambarka Haa ama Maya ee Excel

• Excel, Word ama PowerPoint ma bilaabi karaan markii ugu dambeysay

• Sida loo xidho unugyada qaacidada Excel si loo ilaaliyo

• Sida loo isticmaalo sifada Nooca Xogta tooska ah ee Excel

• Sida loogu daro Trendline xaashida shaqada ee Microsoft Excel

• Microsoft Excel waxay sababtaa isticmaalka CPU sare marka uu socdo Windows 10

• Sida loo midoobo oo loo kala saaro unugyada Excel

• Sida loo isticmaalo shaqada ISODD ee Excel

• U beddelo CSV una beddelo Excel (XLS ama XLSX) adoo isticmaalaya khadka taliska ee Windows

• Casharka Microsoft Excel, ee Bilowga ah

• Xisaabi leexashada caadiga ah iyo khaladka caadiga ah ee macnaha Excel

• Sida loo qoro, loo dhiso, loona isticmaalo shaqada VLOOKUP gudaha Excel

• Sida loo qaboojiyo oo loo kala qaybiyo xaashida shaqada ee Excel

• Sida loo isticmaalo shaqada DGET gudaha Excel

• Sidee loo xisaabiyaa korodhka ama hoos u dhaca boqolkiiba ee Excel?

• Khaladka Run-time 1004, Ma socodsiin karo Macro gudaha Excel

• Sida loo isticmaalo DCOUNT iyo DCOUNTA Function gudaha Excel