How to calculate the payback
To think that only economists and businessmen should have the ability to calculate paybacks is fundamentally wrong. Each family invests in apartments, houses, cars and bank deposits. All this can increase in value after a while and bring benefits to its owners. Therefore, you can talk about the return on investment with friends, and with colleagues, and with neighbors on the landing. And there is nothing surprising if they do not know the phrase "return on investment", because not everyone is given the opportunity to be economists and businessmen.
You will need
- - calculator
- - a pen
- - paper
Instruction manual
1
For domestic use, payback calculation is extremely simple and straightforward. To calculate the payback, you need to divide the amount of invested funds by the amount of profit. The resulting value will show the period of time during which the payback will come.
For example, we bought an apartment on the ground floor of a residential building for 3, 000, 000 rubles. We spent another 600, 000 rubles on repairs, bureaucratic procedures and the arrangement of the adjacent territory. Then, having submitted an announcement, they handed over this premises to the tenant, who will monthly pay utility bills and an amount of 40, 000 rubles.
Thus, our investments amounted to 3, 600, 000 rubles. And the monthly profit from the project is 40, 000 rubles. For a full return on investment, you will need to rent our premises for (3, 600, 000 / 40, 000) 90 months, or 7.5 years.
2
One more example. A friend offers us to do freight. To do this, you need a Gazelle car, which will have to be purchased. Suppose that the value of the monthly profit from cargo transportation after all the costs of repairs and fuel is expected to be about 40, 000 rubles. Suppose we buy a used Gazelle for 300, 000 rubles.
Thus, the return on investment will come in (300, 000 / 40, 000) 7.5 months of work.
3
In addition, the return on investment can be compared, choosing more profitable opportunities. Compare the income from the GAZelle from the previous example with the income from a bank deposit at a rate of 10.5% per annum.
For simplicity of comparison, we take the deposit amount equal to the cost of the GAZelle, 300, 000 rubles. Assume that, according to the terms of the bank, interest is paid at the end of the term. Thus, after 1 year, the amount of our investments will increase by (300, 000 * 10.5%) 31, 500 rubles. And we will have 331 500 rubles in our hands.
For 12 months of work in freight traffic, we will receive (40, 000 * 12) 480, 000 rubles. From a mathematical point of view, this means that in our examples it is more profitable to invest money in cargo transportation rather than in a bank.
We hope that now you will make financial decisions with even greater rationality.
