Financial Pocket Calculator 口袋理财计算机

This is a very useful Financial Pocket Calculator
WHAT we can calculate from this Table?
And HOW we can use this Table?

Table 1：

We can use this table to calculate the return of our Lump Sum Investment within a period.

Eg:
If you invest a lump sum of RM 10,000 and you get a 10% interest compounded yearly, what is the return of your investment after 20 years?
Return after 20 years = RM 67,275

Table 2：

We can use this table to calculate the return of our Monthly Investment within a period.

Eg:
If you invest RM 100 monthly for 20 years and you get a 10% interest compounded yearly, what is the investment after 20 years?
Return after 20 years = RM 76,570

Table 3：

We can use this table to calculate our Home Loan Monthly Installment.

Eg:
If you take a home loan amount of RM 100,00 for your condominium at an interest rate of 8% per annual for 20 years.
What is your monthly installment of your home loan?

Calculation:
Go to column Loan Year, and the row Interest Rate.
Get the factor of their intercept.
Multiple this intercept with your total home loan amount. You will get your monthly installment.
Monthly Home Loan Installment = RM 100,000 x 0.00837 = RM 837 /monthly

Drafted by: CH Lin ‘09