{"id":2977,"date":"2026-06-09T11:11:35","date_gmt":"2026-06-09T07:41:35","guid":{"rendered":"https:\/\/khatearzesh.com\/blog\/?p=2977"},"modified":"2026-06-09T11:25:45","modified_gmt":"2026-06-09T07:55:45","slug":"compound-interest","status":"publish","type":"post","link":"https:\/\/khatearzesh.com\/blog\/compound-interest\/","title":{"rendered":"\u0633\u0648\u062f \u0645\u0631\u06a9\u0628 \u0686\u06cc\u0633\u062a\u061f \u0641\u0631\u0645\u0648\u0644 \u0645\u062d\u0627\u0633\u0628\u0647 \u0648 \u0646\u0642\u0634 \u0622\u0646 \u062f\u0631 \u0631\u0634\u062f \u0633\u0631\u0645\u0627\u06cc\u0647"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">\u0633\u0648\u062f \u0645\u0631\u06a9\u0628 (Compound Interest) \u0631\u0627 \u0645\u06cc\u200c\u062a\u0648\u0627\u0646 \u06cc\u06a9\u06cc \u0627\u0632 \u0634\u06af\u0641\u062a\u200c\u0627\u0646\u06af\u06cc\u0632\u062a\u0631\u06cc\u0646 \u0645\u0641\u0627\u0647\u06cc\u0645 \u062f\u0646\u06cc\u0627\u06cc 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\u0645\u06cc\u200c\u0631\u0648\u062f. \u0633\u0631\u0645\u0627\u06cc\u0647\u200c\u06af\u0630\u0627\u0631\u0627\u0646 \u0645\u0648\u0641\u0642\u060c \u0627\u06cc\u0646 \u0648\u06cc\u0698\u06af\u06cc \u0631\u0627 \u00ab\u0627\u062b\u0631 \u0628\u0631\u0641\u200c\u063a\u0644\u062a\u0627\u0646 \u067e\u0648\u0644\u00bb \u0645\u06cc\u200c\u0646\u0627\u0645\u0646\u062f.<\/p>\n\n\n\n<h2 id=\"h-\u0641\u0631\u0645\u0648\u0644-\u0645\u062d\u0627\u0633\u0628\u0647-\u0633\u0648\u062f-\u0645\u0631\u06a9\u0628\" class=\"wp-block-heading\"><strong>\u0641\u0631\u0645\u0648\u0644 \u0645\u062d\u0627\u0633\u0628\u0647 \u0633\u0648\u062f \u0645\u0631\u06a9\u0628<\/strong><\/h2>\n\n\n\n<h3 id=\"h-\u0645\u0639\u0631\u0641\u06cc-\u0641\u0631\u0645\u0648\u0644-\u0627\u0633\u062a\u0627\u0646\u062f\u0627\u0631\u062f-\u0645\u062d\u0627\u0633\u0628\u0647-\u0633\u0648\u062f-\u0645\u0631\u06a9\u0628\" class=\"wp-block-heading\"><strong>\u0645\u0639\u0631\u0641\u06cc \u0641\u0631\u0645\u0648\u0644 \u0627\u0633\u062a\u0627\u0646\u062f\u0627\u0631\u062f \u0645\u062d\u0627\u0633\u0628\u0647 \u0633\u0648\u062f \u0645\u0631\u06a9\u0628<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u0641\u0631\u0645\u0648\u0644 \u0639\u0645\u0648\u0645\u06cc \u0633\u0648\u062f \u0645\u0631\u06a9\u0628 \u0628\u0647\u200c\u0634\u06a9\u0644 \u0632\u06cc\u0631 \u0627\u0633\u062a:<\/p>\n\n\n\n<div class=\"wp-block-math\"><math display=\"block\"><semantics><mrow><mi>A<\/mi><mo>=<\/mo><mi>P<\/mi><mo form=\"prefix\" stretchy=\"false\">(<\/mo><mn>1<\/mn><mo>+<\/mo><mi>i<\/mi><msup><mo form=\"postfix\" stretchy=\"false\">)<\/mo><mi>n<\/mi><\/msup><\/mrow><annotation encoding=\"application\/x-tex\">A=P(1+i)^n<\/annotation><\/semantics><\/math><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">&nbsp;= \u0627\u0631\u0632\u0634 \u0646\u0647\u0627\u06cc\u06cc \u0633\u0631\u0645\u0627\u06cc\u0647<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>P<\/strong> = \u0627\u0635\u0644 \u0633\u0631\u0645\u0627\u06cc\u0647 \u0627\u0648\u0644\u06cc\u0647<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>n<\/strong> = \u062a\u0639\u062f\u0627\u062f \u062f\u0641\u0639\u0627\u062a \u067e\u0631\u062f\u0627\u062e\u062a \u0633\u0648\u062f \u062f\u0631 \u0633\u0627\u0644 (\u0645\u062b\u0644\u0627\u064b 12 \u0628\u0631\u0627\u06cc \u0645\u0627\u0647\u0627\u0646\u0647)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>i <\/strong>= \u0646\u0631\u062e \u0633\u0648\u062f<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u0645\u062b\u0627\u0644 \u0639\u062f\u062f\u06cc \u0648\u0627\u0642\u0639\u06cc \u0627\u0632 \u0641\u0631\u0645\u0648\u0644 \u0633\u0648\u062f \u0645\u0631\u06a9\u0628<\/strong><\/h3>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u0641\u0631\u0636 \u06a9\u0646\u06cc\u062f \u0645\u06cc\u200c\u062e\u0648\u0627\u0647\u06cc\u0645 \u0628\u062f\u0627\u0646\u06cc\u0645 \u0627\u06af\u0631 \u06f5\u06f0\u06f0 \u0647\u0632\u0627\u0631 \u062a\u0648\u0645\u0627\u0646 \u062f\u0631 \u0635\u0646\u062f\u0648\u0642 \u0627\u0631\u06a9\u06cc\u062f\u0647 \u0633\u0631\u0645\u0627\u06cc\u0647\u200c\u06af\u0630\u0627\u0631\u06cc \u06a9\u0646\u06cc\u0645\u060c \u067e\u0633 \u0627\u0632 \u06f1\u06f2 \u0645\u0627\u0647 \u0628\u0627 \u0633\u0648\u062f \u0645\u0631\u06a9\u0628 \u06f2\u066b\u06f6 \u062f\u0631\u0635\u062f \u0645\u0627\u0647\u0627\u0646\u0647 \u0686\u0642\u062f\u0631 \u0645\u06cc\u200c\u0634\u0648\u062f.<\/strong><\/h3>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"445\" height=\"165\" src=\"https:\/\/khatearzesh.com\/blog\/wp-content\/uploads\/2026\/06\/image.jpeg\" alt=\"\" class=\"wp-image-2978\" srcset=\"https:\/\/khatearzesh.com\/blog\/wp-content\/uploads\/2026\/06\/image.jpeg 445w, https:\/\/khatearzesh.com\/blog\/wp-content\/uploads\/2026\/06\/image-300x111.jpeg 300w\" sizes=\"(max-width: 445px) 100vw, 445px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u0646\u062a\u06cc\u062c\u0647 \u0646\u0647\u0627\u06cc\u06cc<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u0633\u0631\u0645\u0627\u06cc\u0647 \u0627\u0648\u0644\u06cc\u0647 =<\/strong> <strong>\u06f5\u06f0\u06f0<\/strong>,<strong>\u06f0\u06f0\u06f0<\/strong> \u062a\u0648\u0645\u0627\u0646<\/li>\n\n\n\n<li><strong>\u0627\u0631\u0632\u0634 \u0646\u0647\u0627\u06cc\u06cc<\/strong>\u00a0 \u2248 <strong>\u06f6\u06f7\u06f5\u066c\u06f5\u06f0\u06f0 <\/strong>\u062a\u0648\u0645\u0627\u0646<\/li>\n\n\n\n<li><strong>\u0633\u0648\u062f \u062e\u0627\u0644\u0635\u00a0 <\/strong>\u2248 <strong>\u06f1\u06f7\u06f5\u066c\u06f5\u06f0\u06f0<\/strong>\u00a0 \u062a\u0648\u0645\u0627\u0646<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u0627\u06cc\u0646 \u0628\u062f\u0627\u0646 \u0645\u0639\u0646\u0627\u0633\u062a \u06a9\u0647 \u0628\u062f\u0648\u0646 \u0647\u06cc\u0686 \u0648\u0627\u0631\u06cc\u0632 \u062c\u062f\u06cc\u062f\u060c \u0635\u0631\u0641\u0627\u064b \u0628\u0647\u200c\u0648\u0627\u0633\u0637\u0647\u200c\u06cc \u0627\u062b\u0631 \u0633\u0648\u062f \u0631\u0648\u06cc \u0633\u0648\u062f\u060c \u0627\u0635\u0644 \u0633\u0631\u0645\u0627\u06cc\u0647 \u0631\u0634\u062f \u062a\u0635\u0627\u0639\u062f\u06cc \u067e\u06cc\u062f\u0627 \u0645\u06cc\u200c\u06a9\u0646\u062f.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u0627\u0647\u0645\u06cc\u062a \u0633\u0648\u062f \u0645\u0631\u06a9\u0628 \u062f\u0631 \u0633\u0631\u0645\u0627\u06cc\u0647\u200c\u06af\u0630\u0627\u0631\u06cc \u0628\u0644\u0646\u062f\u0645\u062f\u062a<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u0646\u0642\u0634 \u0632\u0645\u0627\u0646 \u062f\u0631 \u0631\u0634\u062f \u062a\u0635\u0627\u0639\u062f\u06cc \u0633\u0631\u0645\u0627\u06cc\u0647<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u062f\u0631 \u0633\u0648\u062f \u0645\u0631\u06a9\u0628\u060c <strong>\u0632\u0645\u0627\u0646<\/strong> \u0645\u0647\u0645\u200c\u062a\u0631\u06cc\u0646 \u0639\u0627\u0645\u0644 \u0631\u0634\u062f \u0627\u0633\u062a. \u0647\u0631\u0686\u0647 \u0633\u0631\u0645\u0627\u06cc\u0647\u200c\u06af\u0630\u0627\u0631\u06cc \u0645\u062f\u062a \u0628\u06cc\u0634\u062a\u0631\u06cc \u0627\u062f\u0627\u0645\u0647 \u06cc\u0627\u0628\u062f\u060c \u0627\u062b\u0631 \u0645\u0631\u06a9\u0628 \u0642\u0648\u06cc\u200c\u062a\u0631 \u0639\u0645\u0644 \u0645\u06cc\u200c\u06a9\u0646\u062f. \u062a\u0641\u0627\u0648\u062a \u0645\u06cc\u0627\u0646 \u06f5 \u0633\u0627\u0644 \u0648 \u06f1\u06f5 \u0633\u0627\u0644 \u0633\u0631\u0645\u0627\u06cc\u0647\u200c\u06af\u0630\u0627\u0631\u06cc \u0628\u0633\u06cc\u0627\u0631 \u0628\u0632\u0631\u06af\u200c\u062a\u0631 \u0627\u0632 \u0622\u0646 \u0686\u06cc\u0632\u06cc \u0627\u0633\u062a \u06a9\u0647 \u062f\u0631 \u0646\u06af\u0627\u0647 \u0627\u0648\u0644 \u0628\u0647 \u0646\u0638\u0631 \u0645\u06cc\u200c\u0631\u0633\u062f. \u0628\u0631\u0627\u06cc \u0646\u0645\u0648\u0646\u0647\u060c \u0627\u06af\u0631 \u06f1\u06f0\u06f0 \u0647\u0632\u0627\u0631 \u062a\u0648\u0645\u0627\u0646 \u0628\u0627 \u0646\u0631\u062e \u0633\u0648\u062f \u06f2\u066b\u06f6 \u062f\u0631\u0635\u062f \u0645\u0627\u0647\u0627\u0646\u0647 \u0633\u0631\u0645\u0627\u06cc\u0647\u200c\u06af\u0630\u0627\u0631\u06cc \u0634\u0648\u062f:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u067e\u0633 \u0627\u0632 \u06f5 \u0633\u0627\u0644:<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img decoding=\"async\" width=\"438\" height=\"35\" src=\"https:\/\/khatearzesh.com\/blog\/wp-content\/uploads\/2026\/06\/image-1.jpeg\" alt=\"\" class=\"wp-image-2979\" style=\"width:438px;height:auto\" srcset=\"https:\/\/khatearzesh.com\/blog\/wp-content\/uploads\/2026\/06\/image-1.jpeg 438w, https:\/\/khatearzesh.com\/blog\/wp-content\/uploads\/2026\/06\/image-1-300x24.jpeg 300w\" sizes=\"(max-width: 438px) 100vw, 438px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u067e\u0633 \u0627\u0632 \u06f1\u06f5 \u0633\u0627\u0644:<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"471\" height=\"41\" src=\"https:\/\/khatearzesh.com\/blog\/wp-content\/uploads\/2026\/06\/image-2.jpeg\" alt=\"\" class=\"wp-image-2980\" srcset=\"https:\/\/khatearzesh.com\/blog\/wp-content\/uploads\/2026\/06\/image-2.jpeg 471w, https:\/\/khatearzesh.com\/blog\/wp-content\/uploads\/2026\/06\/image-2-300x26.jpeg 300w\" sizes=\"(max-width: 471px) 100vw, 471px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\u0627\u06af\u0631 \u06f1\u06f0\u06f0 \u0647\u0632\u0627\u0631 \u062a\u0648\u0645\u0627\u0646 \u0628\u0627 \u0646\u0631\u062e \u0633\u0648\u062f \u0645\u0624\u062b\u0631 \u0645\u0627\u0647\u06cc\u0627\u0646\u0647 \u06f2.\u06f6 \u062f\u0631\u0635\u062f \u0633\u0631\u0645\u0627\u06cc\u0647\u200c\u06af\u0630\u0627\u0631\u06cc \u0634\u0648\u062f\u060c \u0645\u0628\u0644\u063a \u0633\u0631\u0645\u0627\u06cc\u0647\u200c\u06af\u0630\u0627\u0631\u06cc \u067e\u0633 \u0627\u0632 \u06f5 \u0633\u0627\u0644 \u0628\u0647 \u06f4\u06f6\u06f6,\u06f0\u06f0\u06f0 \u0647\u0632\u0627\u0631 \u062a\u0648\u0645\u0627\u0646 \u0648 \u067e\u0633 \u0627\u0632 \u06f1\u06f5 \u0633\u0627\u0644 \u0628\u0647 \u06f1\u06f0,\u06f1\u06f5\u06f1,\u06f3\u06f7\u06f7 \u062a\u0648\u0645\u0627\u0646 \u062e\u0648\u0627\u0647\u062f \u0631\u0633\u06cc\u062f.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u062a\u0641\u0627\u0648\u062a \u0628\u0627\u0632\u062f\u0647 \u06a9\u0648\u062a\u0627\u0647\u200c\u0645\u062f\u062a \u0648 \u0628\u0644\u0646\u062f\u0645\u062f\u062a \u0628\u0627 \u0633\u0648\u062f \u0645\u0631\u06a9\u0628<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u062f\u0631 \u0628\u0627\u0632\u062f\u0647 \u06a9\u0648\u062a\u0627\u0647\u200c\u0645\u062f\u062a\u060c \u0633\u0648\u062f \u0645\u0631\u06a9\u0628 \u062a\u0623\u062b\u06cc\u0631 \u0632\u06cc\u0627\u062f\u06cc \u0646\u062f\u0627\u0631\u062f\u060c \u0632\u06cc\u0631\u0627 \u062f\u0648\u0631\u0647 \u0631\u0634\u062f \u0647\u0646\u0648\u0632 \u06a9\u0648\u062a\u0627\u0647 \u0627\u0633\u062a\u061b \u0627\u0645\u0627 \u062f\u0631 \u0633\u0631\u0645\u0627\u06cc\u0647\u200c\u06af\u0630\u0627\u0631\u06cc \u0628\u0644\u0646\u062f\u0645\u062f\u062a\u060c \u0627\u062b\u0631 \u0645\u0631\u06a9\u0628 \u0628\u0647\u200c\u062a\u062f\u0631\u06cc\u062c \u062e\u0648\u062f \u0631\u0627 \u0646\u0634\u0627\u0646 \u0645\u06cc\u200c\u062f\u0647\u062f \u0648 \u0628\u062e\u0634 \u0628\u0632\u0631\u06af\u06cc \u0627\u0632 \u0633\u0648\u062f \u06a9\u0644 \u0646\u0627\u0634\u06cc \u0627\u0632 \u00ab\u0633\u0648\u062f\u0647\u0627\u06cc \u0631\u0648\u06cc\u200c\u0647\u0645\u200c\u0627\u0646\u0628\u0627\u0634\u062a\u0647\u200c\u0634\u062f\u0647\u00bb \u062e\u0648\u0627\u0647\u062f \u0628\u0648\u062f.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u0686\u0631\u0627 \u0633\u0631\u0645\u0627\u06cc\u0647\u200c\u06af\u0630\u0627\u0631\u0627\u0646 \u0645\u0648\u0641\u0642 \u0627\u0632 \u0627\u062b\u0631 \u0645\u0631\u06a9\u0628 \u0627\u0633\u062a\u0641\u0627\u062f\u0647 \u0645\u06cc\u200c\u06a9\u0646\u0646\u062f\u061f<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u0633\u0631\u0645\u0627\u06cc\u0647\u200c\u06af\u0630\u0627\u0631\u0627\u0646 \u062d\u0631\u0641\u0647\u200c\u0627\u06cc \u0645\u0627\u0646\u0646\u062f \u00ab<a href=\"https:\/\/fa.wikipedia.org\/wiki\/%D9%88%D8%A7%D8%B1%D9%86_%D8%A8%D8%A7%D9%81%D8%AA\">\u0648\u0627\u0631\u0646 \u0628\u0627\u0641\u062a<\/a>\u00bb \u0628\u0647\u200c\u062e\u0648\u0628\u06cc \u0645\u06cc\u200c\u062f\u0627\u0646\u0646\u062f \u06a9\u0647 \u0631\u0627\u0632 \u062b\u0631\u0648\u062a \u067e\u0627\u06cc\u062f\u0627\u0631 \u062f\u0631 \u00ab\u0632\u0645\u0627\u0646 \u0648 \u0627\u0646\u0636\u0628\u0627\u0637\u00bb \u0646\u0647\u0641\u062a\u0647 \u0627\u0633\u062a. \u0622\u0646\u200c\u0647\u0627 \u0633\u0648\u062f \u062d\u0627\u0635\u0644 \u0627\u0632 \u0633\u0631\u0645\u0627\u06cc\u0647\u200c\u06af\u0630\u0627\u0631\u06cc \u0631\u0627 \u0628\u0631\u062f\u0627\u0634\u062a \u0646\u0645\u06cc\u200c\u06a9\u0646\u0646\u062f\u060c \u0628\u0644\u06a9\u0647 \u0645\u062c\u062f\u062f\u0627\u064b \u0633\u0631\u0645\u0627\u06cc\u0647 \u06af\u0630\u0627\u0631\u06cc \u0645\u06cc\u200c\u06a9\u0646\u0646\u062f \u062a\u0627 \u0627\u062b\u0631 \u0645\u0631\u06a9\u0628 \u0641\u0639\u0627\u0644 \u0628\u0645\u0627\u0646\u062f. \u0646\u062a\u06cc\u062c\u0647 \u0627\u06cc\u0646 \u06a9\u0627\u0631\u060c \u0631\u0634\u062f \u062a\u0635\u0627\u0639\u062f\u06cc \u062f\u0627\u0631\u0627\u06cc\u06cc \u062f\u0631 \u0637\u0648\u0644 \u062f\u0647\u0647\u200c\u0647\u0627\u0633\u062a.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u06a9\u0627\u0631\u0628\u0631\u062f \u0633\u0648\u062f \u0645\u0631\u06a9\u0628 \u062f\u0631 \u0628\u0627\u0632\u0627\u0631 \u0633\u0631\u0645\u0627\u06cc\u0647 \u0627\u06cc\u0631\u0627\u0646<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u0633\u0648\u062f \u0645\u0631\u06a9\u0628 \u062f\u0631 \u0635\u0646\u062f\u0648\u0642\u200c\u0647\u0627\u06cc \u0633\u0631\u0645\u0627\u06cc\u0647\u200c\u06af\u0630\u0627\u0631\u06cc<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u062f\u0631 <a href=\"https:\/\/khatearzesh.com\/blog\/%d8%b5%d9%86%d8%af%d9%88%d9%82-%d8%af%d8%b1%d8%a2%d9%85%d8%af-%d8%ab%d8%a7%d8%a8%d8%aa-%da%86%db%8c%d8%b3%d8%aa%d8%9f\/\">\u0635\u0646\u062f\u0648\u0642\u200c \u062f\u0631\u0622\u0645\u062f \u062b\u0627\u0628\u062a<\/a>\u060c \u0633\u0648\u062f \u0645\u0639\u0645\u0648\u0644\u0627\u064b \u0628\u0647\u200c\u0635\u0648\u0631\u062a \u0631\u0648\u0632\u0634\u0645\u0627\u0631 \u0645\u062d\u0627\u0633\u0628\u0647 \u0645\u06cc\u200c\u0634\u0648\u062f. \u0627\u06af\u0631 \u0633\u0631\u0645\u0627\u06cc\u0647\u200c\u06af\u0630\u0627\u0631 \u0633\u0648\u062f \u062f\u0648\u0631\u0647\u200c\u0627\u06cc \u062e\u0648\u062f \u0631\u0627 \u0628\u0631\u062f\u0627\u0634\u062a \u0646\u06a9\u0646\u062f \u0648 \u0627\u062c\u0627\u0632\u0647 \u062f\u0647\u062f \u062f\u0631 \u062d\u0633\u0627\u0628 \u0635\u0646\u062f\u0648\u0642 \u0628\u0627\u0642\u06cc \u0628\u0645\u0627\u0646\u062f\u060c \u062f\u0631 \u062f\u0648\u0631\u0647 \u0628\u0639\u062f \u0633\u0648\u062f \u0628\u0631 \u0645\u062c\u0645\u0648\u0639 \u062c\u062f\u06cc\u062f \u0645\u062d\u0627\u0633\u0628\u0647 \u0645\u06cc\u200c\u0634\u0648\u062f\u061b \u06cc\u0639\u0646\u06cc \u0633\u0648\u062f \u0645\u0631\u06a9\u0628 \u0634\u06a9\u0644 \u0645\u06cc\u200c\u06af\u06cc\u0631\u062f.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/khatearzesh.com\/blog\/wp-content\/uploads\/2026\/06\/image-1024x576.png\" alt=\"\" class=\"wp-image-2984\" srcset=\"https:\/\/khatearzesh.com\/blog\/wp-content\/uploads\/2026\/06\/image-1024x576.png 1024w, https:\/\/khatearzesh.com\/blog\/wp-content\/uploads\/2026\/06\/image-300x169.png 300w, https:\/\/khatearzesh.com\/blog\/wp-content\/uploads\/2026\/06\/image-768x432.png 768w, https:\/\/khatearzesh.com\/blog\/wp-content\/uploads\/2026\/06\/image-1536x864.png 1536w, https:\/\/khatearzesh.com\/blog\/wp-content\/uploads\/2026\/06\/image-390x220.png 390w, https:\/\/khatearzesh.com\/blog\/wp-content\/uploads\/2026\/06\/image.png 1672w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">\u0645\u0642\u0627\u06cc\u0633\u0647 \u0633\u0648\u062f \u0645\u0631\u06a9\u0628 \u0648 \u063a\u06cc\u0631 \u0645\u0648\u062b\u0631 \u0635\u0646\u062f\u0648\u0642 \u062f\u0631\u0627\u0645\u062f \u062b\u0627\u0628\u062a \u0627\u0631\u06a9\u06cc\u062f\u0647<\/figcaption><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u062a\u0631\u06a9\u06cc\u0628 \u0633\u0648\u062f \u0645\u0631\u06a9\u0628 \u0628\u0627 \u0633\u0631\u0645\u0627\u06cc\u0647\u200c\u06af\u0630\u0627\u0631\u06cc \u0645\u0627\u0647\u0627\u0646\u0647 (\u0627\u0633\u062a\u0631\u0627\u062a\u0698\u06cc DCA)<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u0631\u0648\u0634 \u00ab\u0633\u0631\u0645\u0627\u06cc\u0647\u200c\u06af\u0630\u0627\u0631\u06cc \u067e\u0644\u0647\u200c\u0627\u06cc \u0645\u0646\u0638\u0645\u00bb \u0648\u0642\u062a\u06cc \u0628\u0627 \u0633\u0648\u062f \u0645\u0631\u06a9\u0628 \u062a\u0631\u06a9\u06cc\u0628 \u0634\u0648\u062f\u060c \u0646\u062a\u0627\u06cc\u062c \u0686\u0634\u0645\u200c\u06af\u06cc\u0631\u06cc \u062f\u0627\u0631\u062f. \u062f\u0631 \u0627\u06cc\u0646 \u0631\u0648\u0634\u060c \u0641\u0631\u062f \u0628\u0647\u200c\u062c\u0627\u06cc \u0633\u0631\u0645\u0627\u06cc\u0647\u200c\u06af\u0630\u0627\u0631\u06cc \u06cc\u06a9\u200c\u0628\u0627\u0631\u0647\u060c \u0647\u0631 \u0645\u0627\u0647 \u0645\u0628\u0644\u063a \u062b\u0627\u0628\u062a\u06cc \u0631\u0627 \u0628\u0647 \u0635\u0646\u062f\u0648\u0642 \u06cc\u0627 \u0628\u0627\u0632\u0627\u0631 \u0633\u0647\u0627\u0645 \u0648\u0627\u0631\u06cc\u0632 \u0645\u06cc\u200c\u06a9\u0646\u062f. \u0633\u0648\u062f \u0647\u0631 \u0645\u0631\u062d\u0644\u0647 \u0628\u0647 \u0645\u0631\u062d\u0644\u0647\u200c\u06cc \u0628\u0639\u062f\u06cc \u0627\u0641\u0632\u0648\u062f\u0647 \u0645\u06cc\u200c\u0634\u0648\u062f \u0648 \u062f\u0631 \u0646\u062a\u06cc\u062c\u0647\u060c \u0631\u0634\u062f \u06a9\u0644\u06cc \u0634\u062a\u0627\u0628 \u0645\u06cc\u200c\u06af\u06cc\u0631\u062f.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u0627\u0628\u0632\u0627\u0631\u0647\u0627 \u0648 \u0631\u0648\u0634\u200c\u0647\u0627\u06cc \u0645\u062d\u0627\u0633\u0628\u0647 \u0633\u0648\u062f \u0645\u0631\u06a9\u0628<\/strong><\/h2>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u0645\u0627\u0634\u06cc\u0646\u200c\u062d\u0633\u0627\u0628 \u0633\u0648\u062f \u0645\u0631\u06a9\u0628 \u0648 \u0641\u0631\u0645\u0648\u0644 \u0627\u06a9\u0633\u0644<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u062f\u0631 \u0646\u0631\u0645\u200c\u0627\u0641\u0632\u0627\u0631 Excel \u0645\u06cc\u200c\u062a\u0648\u0627\u0646 \u0628\u0627 \u062a\u0627\u0628\u0639 \u0632\u06cc\u0631 \u0633\u0648\u062f \u0645\u0631\u06a9\u0628 \u0631\u0627 \u0645\u062d\u0627\u0633\u0628\u0647 \u06a9\u0631\u062f:<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">&nbsp;=FV(rate, nper, pmt, pv)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0628\u0631\u0627\u06cc \u0646\u0645\u0648\u0646\u0647\u060c \u0627\u06af\u0631 \u0646\u0631\u062e \u0633\u0648\u062f \u0645\u0627\u0647\u0627\u0646\u0647 rate \u062f\u0631\u0635\u062f\u06cc\u060c \u062a\u0639\u062f\u0627\u062f \u0645\u0627\u0647\u200c\u0647\u0627 nper\u060c \u0645\u0628\u0644\u063a \u0633\u0648\u062f \u067e\u0631\u062f\u0627\u062e\u062a\u06cc pmt \u0648 \u0633\u0631\u0645\u0627\u06cc\u0647 \u0627\u0648\u0644\u06cc\u0647 pv \u0628\u0627\u0634\u062f\u060c \u0628\u0627 \u0627\u06cc\u0646 \u0641\u0631\u0645\u0648\u0644 \u0645\u0642\u062f\u0627\u0631 \u0646\u0647\u0627\u06cc\u06cc (FV) \u0628\u0647\u200c\u062f\u0633\u062a \u0645\u06cc\u200c\u0622\u06cc\u062f.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u0646\u062d\u0648\u0647 \u0645\u062d\u0627\u0633\u0628\u0647 \u0633\u0648\u062f \u0645\u0631\u06a9\u0628 \u0631\u0648\u0632\u0634\u0645\u0627\u0631<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u062f\u0631 \u0627\u063a\u0644\u0628 \u0635\u0646\u062f\u0648\u0642\u200c\u0647\u0627\u060c \u0633\u0648\u062f \u0628\u0647\u200c\u0635\u0648\u0631\u062a \u0631\u0648\u0632\u0634\u0645\u0627\u0631 \u0645\u062d\u0627\u0633\u0628\u0647 \u0645\u06cc\u200c\u0634\u0648\u062f. \u0641\u0631\u0645\u0648\u0644 \u0631\u0648\u0632\u0634\u0645\u0627\u0631 \u0631\u0627 \u0645\u06cc\u200c\u062a\u0648\u0627\u0646 \u0628\u0647\u200c\u0634\u06a9\u0644 \u0632\u06cc\u0631 \u0646\u0648\u0634\u062a:<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"249\" height=\"59\" src=\"https:\/\/khatearzesh.com\/blog\/wp-content\/uploads\/2026\/06\/image-3.jpeg\" alt=\"\" class=\"wp-image-2981\"\/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">&nbsp;= \u0627\u0631\u0632\u0634 \u0646\u0647\u0627\u06cc\u06cc \u0633\u0631\u0645\u0627\u06cc\u0647<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>P<\/strong> = \u0627\u0635\u0644 \u0633\u0631\u0645\u0627\u06cc\u0647 \u0627\u0648\u0644\u06cc\u0647<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>n<\/strong> = \u062a\u0639\u062f\u0627\u062f \u062f\u0641\u0639\u0627\u062a \u067e\u0631\u062f\u0627\u062e\u062a \u0633\u0648\u062f \u062f\u0631 \u0633\u0627\u0644 (\u0645\u062b\u0644\u0627\u064b \u06f1\u06f2 \u0628\u0631\u0627\u06cc \u0645\u0627\u0647\u0627\u0646\u0647 \u0648 \u06f3\u06f6\u06f5 \u0628\u0631\u0627\u06cc \u0633\u0627\u0644\u0627\u0646\u0647)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>i <\/strong>= \u0646\u0631\u062e \u0633\u0648\u062f<br><strong>t<\/strong> = \u0645\u062f\u062a \u0633\u0631\u0645\u0627\u06cc\u0647\u200c\u06af\u0630\u0627\u0631\u06cc \u0628\u0647 \u0633\u0627\u0644<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0628\u0647\u200c\u0639\u0646\u0648\u0627\u0646 \u0645\u062b\u0627\u0644\u060c \u0627\u06af\u0631 \u0633\u0631\u0645\u0627\u06cc\u0647&nbsp; \u06f1\u06f0\u06f0 \u0645\u06cc\u0644\u06cc\u0648\u0646 \u062a\u0648\u0645\u0627\u0646 \u0646\u0631\u062e \u0645\u0627\u0647\u0627\u0646\u0647 \u06f2\u066b\u06f6 \u062f\u0631\u0635\u062f \u0628\u0627\u0634\u062f \u0648 \u0633\u0631\u0645\u0627\u06cc\u0647 \u0628\u0631\u0627\u06cc \u062f\u0648 \u0633\u0627\u0644 \u0628\u0627\u0642\u06cc \u0628\u0645\u0627\u0646\u062f:<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"535\" height=\"54\" src=\"https:\/\/khatearzesh.com\/blog\/wp-content\/uploads\/2026\/06\/image-4.jpeg\" alt=\"\" class=\"wp-image-2982\" srcset=\"https:\/\/khatearzesh.com\/blog\/wp-content\/uploads\/2026\/06\/image-4.jpeg 535w, https:\/\/khatearzesh.com\/blog\/wp-content\/uploads\/2026\/06\/image-4-300x30.jpeg 300w\" sizes=\"(max-width: 535px) 100vw, 535px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u0646\u06a9\u0627\u062a\u06cc \u0628\u0631\u0627\u06cc \u062f\u0642\u062a \u0628\u06cc\u0634\u062a\u0631 \u062f\u0631 \u0645\u062d\u0627\u0633\u0628\u0647<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u06f1. \u0646\u0631\u062e \u0633\u0648\u062f \u0628\u0627\u06cc\u062f \u0628\u0647\u200c\u0635\u0648\u0631\u062a \u0627\u0639\u0634\u0627\u0631\u06cc \u0648\u0627\u0631\u062f \u0634\u0648\u062f (\u0645\u062b\u0644\u0627\u064b \u06f0\u066b\u06f0\u06f2\u06f6 \u0628\u0631\u0627\u06cc \u06f2\u066b\u06f6 \u062f\u0631\u0635\u062f)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u06f2. \u062f\u0631 \u0645\u062d\u0627\u0633\u0628\u0627\u062a \u0645\u0627\u0647\u0627\u0646\u0647\u060c n = \u06f1\u06f2 \u0648 \u062f\u0631 \u0631\u0648\u0632\u0627\u0646\u0647 n = \u06f3\u06f6\u06f5 \u062f\u0631 \u0646\u0638\u0631 \u06af\u0631\u0641\u062a\u0647 \u0634\u0648\u062f.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u06f3. \u0627\u06af\u0631 \u0633\u0648\u062f \u0645\u062c\u062f\u062f\u0627\u064b \u0633\u0631\u0645\u0627\u06cc\u0647\u200c\u06af\u0630\u0627\u0631\u06cc \u0646\u0634\u0648\u062f\u060c \u0646\u062a\u06cc\u062c\u0647 \u062f\u06cc\u06af\u0631 \u0633\u0648\u062f \u0645\u0631\u06a9\u0628 \u0646\u062e\u0648\u0627\u0647\u062f \u0628\u0648\u062f.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u06f4. \u062f\u0631 \u0645\u062d\u0627\u0633\u0628\u0627\u062a \u0628\u0644\u0646\u062f\u0645\u062f\u062a \u0648 \u0645\u0634\u062e\u0635 \u0634\u062f\u0646 \u0631\u0634\u062f \u0648\u0627\u0642\u0639\u06cc\u060c \u062a\u0648\u0631\u0645 \u0628\u0627\u06cc\u062f \u0644\u062d\u0627\u0638 \u0634\u0648\u062f.<br><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u0627\u0634\u062a\u0628\u0627\u0647\u0627\u062a \u0631\u0627\u06cc\u062c \u062f\u0631 \u062f\u0631\u06a9 \u0645\u0641\u0647\u0648\u0645 \u0633\u0648\u062f \u0645\u0631\u06a9\u0628<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u062a\u0635\u0648\u0631 \u0627\u0634\u062a\u0628\u0627\u0647 \u062f\u0631\u0628\u0627\u0631\u0647 \u0633\u0648\u062f \u062a\u0636\u0645\u06cc\u0646\u06cc<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u0628\u0633\u06cc\u0627\u0631\u06cc \u0627\u0632 \u0627\u0641\u0631\u0627\u062f \u062a\u0635\u0648\u0631 \u0645\u06cc\u200c\u06a9\u0646\u0646\u062f \u0633\u0648\u062f \u0645\u0631\u06a9\u0628 \u0646\u0648\u0639\u06cc \u0633\u0648\u062f \u062a\u0636\u0645\u06cc\u0646\u06cc \u0627\u0633\u062a\u061b \u062f\u0631\u062d\u0627\u0644\u06cc\u200c\u06a9\u0647 \u0645\u0631\u06a9\u0628 \u0628\u0648\u062f\u0646 \u0635\u0631\u0641\u0627\u064b \u0634\u06cc\u0648\u0647 \u0645\u062d\u0627\u0633\u0628\u0647 \u0633\u0648\u062f \u0627\u0633\u062a\u060c \u0646\u0647 \u062a\u0636\u0645\u06cc\u0646 \u0646\u0631\u062e \u0622\u0646. \u0627\u06af\u0631 \u0646\u0631\u062e \u0633\u0648\u062f \u062a\u063a\u06cc\u06cc\u0631 \u06a9\u0646\u062f \u06cc\u0627 \u0633\u0631\u0645\u0627\u06cc\u0647\u200c\u06af\u0630\u0627\u0631\u06cc \u0632\u06cc\u0627\u0646 \u062f\u0647\u062f\u060c \u0627\u062b\u0631 \u0645\u0631\u06a9\u0628 \u0646\u06cc\u0632 \u062a\u063a\u06cc\u06cc\u0631 \u0645\u06cc\u200c\u06a9\u0646\u062f.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u0646\u0627\u062f\u06cc\u062f\u0647 \u06af\u0631\u0641\u062a\u0646 \u0627\u062b\u0631 \u062a\u0648\u0631\u0645 \u0628\u0631 \u0633\u0648\u062f \u0645\u0631\u06a9\u0628<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u0627\u06af\u0631 \u0646\u0631\u062e \u062a\u0648\u0631\u0645 \u0628\u06cc\u0634 \u0627\u0632 \u0646\u0631\u062e \u0633\u0648\u062f \u0628\u0627\u0634\u062f\u060c \u0642\u062f\u0631\u062a \u062e\u0631\u06cc\u062f \u0648\u0627\u0642\u0639\u06cc \u06a9\u0627\u0647\u0634 \u0645\u06cc\u200c\u06cc\u0627\u0628\u062f. \u0645\u062b\u0644\u0627\u064b \u0633\u0648\u062f \u0645\u0631\u06a9\u0628 \u06f2\u06f0 \u062f\u0631\u0635\u062f \u062f\u0631 \u0634\u0631\u0627\u06cc\u0637 \u062a\u0648\u0631\u0645 \u06f4\u06f0 \u062f\u0631\u0635\u062f\u06cc\u060c \u0639\u0645\u0644\u0627\u064b \u0645\u0646\u0641\u06cc \u0627\u0633\u062a\u061b \u0628\u0646\u0627\u0628\u0631\u0627\u06cc\u0646\u060c \u062f\u0631 \u062a\u062d\u0644\u06cc\u0644 \u0633\u0648\u062f \u0645\u0631\u06a9\u0628 \u0628\u0627\u06cc\u062f \u0628\u0627\u0632\u062f\u0647 \u0648\u0627\u0642\u0639\u06cc (Real Return) \u0631\u0627 \u0628\u0631\u0631\u0633\u06cc \u06a9\u0631\u062f\u060c \u0646\u0647 \u0635\u0631\u0641\u0627\u064b \u0639\u062f\u062f \u0627\u0633\u0645\u06cc.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u0628\u0631\u062f\u0627\u0634\u062a \u0627\u0634\u062a\u0628\u0627\u0647 \u0627\u0632 \u0631\u0634\u062f \u062a\u0635\u0627\u0639\u062f\u06cc \u0633\u0631\u0645\u0627\u06cc\u0647<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u06af\u0627\u0647\u06cc \u0627\u0641\u0631\u0627\u062f \u062a\u0635\u0648\u0631 \u0645\u06cc\u200c\u06a9\u0646\u0646\u062f \u0631\u0634\u062f \u062a\u0635\u0627\u0639\u062f\u06cc \u062f\u0631 \u06a9\u0648\u062a\u0627\u0647\u200c\u0645\u062f\u062a \u0631\u062e \u0645\u06cc\u200c\u062f\u0647\u062f\u060c \u062f\u0631\u062d\u0627\u0644\u06cc\u200c\u06a9\u0647 \u0627\u06cc\u0646 \u0631\u0634\u062f \u0641\u0642\u0637 \u062f\u0631 \u0628\u0644\u0646\u062f\u0645\u062f\u062a \u0645\u0639\u0646\u0627 \u067e\u06cc\u062f\u0627 \u0645\u06cc\u200c\u06a9\u0646\u062f. \u0627\u062b\u0631 \u0645\u0631\u06a9\u0628 \u062f\u0631 \u0627\u0628\u062a\u062f\u0627\u06cc \u062f\u0648\u0631\u0647 \u0633\u0631\u0645\u0627\u06cc\u0647\u200c\u06af\u0630\u0627\u0631\u06cc \u0636\u0639\u06cc\u0641 \u0627\u0633\u062a \u0627\u0645\u0627 \u067e\u0633 \u0627\u0632 \u06af\u0630\u0634\u062a \u0645\u062f\u062a\u06cc\u060c \u0628\u062e\u0634 \u0639\u0645\u062f\u0647 \u0631\u0634\u062f \u0633\u0631\u0645\u0627\u06cc\u0647 \u0627\u0632 \u0647\u0645\u06cc\u0646 \u0633\u0648\u062f\u0647\u0627\u06cc \u0627\u0646\u0628\u0627\u0634\u062a\u0647 \u062d\u0627\u0635\u0644 \u0645\u06cc\u200c\u0634\u0648\u062f.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/khatearzesh.com\/blog\/wp-content\/uploads\/2026\/06\/image-1-1024x576.png\" alt=\"\" class=\"wp-image-2985\" srcset=\"https:\/\/khatearzesh.com\/blog\/wp-content\/uploads\/2026\/06\/image-1-1024x576.png 1024w, https:\/\/khatearzesh.com\/blog\/wp-content\/uploads\/2026\/06\/image-1-300x169.png 300w, https:\/\/khatearzesh.com\/blog\/wp-content\/uploads\/2026\/06\/image-1-768x432.png 768w, https:\/\/khatearzesh.com\/blog\/wp-content\/uploads\/2026\/06\/image-1-1536x864.png 1536w, https:\/\/khatearzesh.com\/blog\/wp-content\/uploads\/2026\/06\/image-1-390x220.png 390w, https:\/\/khatearzesh.com\/blog\/wp-content\/uploads\/2026\/06\/image-1.png 1672w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">\u0633\u0648\u062f \u0645\u0631\u06a9\u0628 \u0645\u0634\u0627\u0628\u0647 \u06af\u0648\u0644\u0647 \u0628\u0631\u0641\u06cc \u06a9\u0647 \u0627\u0632 \u06a9\u0648\u0647 \u0628\u0647 \u0633\u0645\u062a \u067e\u0627\u06cc\u06cc\u0646 \u063a\u0644\u0637 \u0645\u06cc\u062e\u0648\u0631\u062f<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u062a\u0648\u0635\u06cc\u0647 \u067e\u0627\u06cc\u0627\u0646\u06cc<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u0622\u06cc\u0627 \u0633\u0648\u062f \u0645\u0631\u06a9\u0628 \u0641\u0642\u0637 \u0628\u0631\u0627\u06cc \u062b\u0631\u0648\u062a\u0645\u0646\u062f\u0627\u0646 \u0627\u0633\u062a\u061f<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u062e\u06cc\u0631\u061b \u0633\u0648\u062f \u0645\u0631\u06a9\u0628 \u0628\u0631\u0627\u06cc \u0647\u0631 \u0641\u0631\u062f\u06cc \u0628\u0627 \u0647\u0631 \u0645\u06cc\u0632\u0627\u0646 \u0633\u0631\u0645\u0627\u06cc\u0647 \u0642\u0627\u0628\u0644\u200c\u0627\u0633\u062a\u0641\u0627\u062f\u0647 \u0627\u0633\u062a. \u062a\u0641\u0627\u0648\u062a \u062f\u0631 \u0627\u06cc\u0646 \u0627\u0633\u062a \u06a9\u0647 \u0627\u0641\u0631\u0627\u062f \u062b\u0631\u0648\u062a\u0645\u0646\u062f \u0645\u0639\u0645\u0648\u0644\u0627\u064b \u0633\u0631\u0645\u0627\u06cc\u0647\u200c\u06af\u0630\u0627\u0631\u06cc \u0631\u0627 \u0632\u0648\u062f\u062a\u0631 \u0622\u063a\u0627\u0632 \u06a9\u0631\u062f\u0647 \u0648 \u0627\u062c\u0627\u0632\u0647 \u0645\u06cc\u200c\u062f\u0647\u0646\u062f \u0632\u0645\u0627\u0646 \u0628\u0647 \u0633\u0648\u062f\u0634\u0627\u0646 \u06a9\u0627\u0631 \u06a9\u0646\u062f. \u0647\u0631\u0686\u0647 \u0634\u0631\u0648\u0639 \u0632\u0648\u062f\u062a\u0631 \u0628\u0627\u0634\u062f\u060c \u0646\u062a\u06cc\u062c\u0647 \u0646\u0647\u0627\u06cc\u06cc \u0686\u0634\u0645\u06af\u06cc\u0631\u062a\u0631 \u062e\u0648\u0627\u0647\u062f \u0628\u0648\u062f.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u0686\u0637\u0648\u0631 \u0627\u0632 \u0627\u0645\u0631\u0648\u0632 \u0627\u0632 \u0642\u062f\u0631\u062a \u0633\u0648\u062f \u0645\u0631\u06a9\u0628 \u0627\u0633\u062a\u0641\u0627\u062f\u0647 \u06a9\u0646\u06cc\u0645\u061f<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u06f1. \u0633\u0648\u062f \u062d\u0627\u0635\u0644 \u0627\u0632 \u0633\u0631\u0645\u0627\u06cc\u0647\u200c\u06af\u0630\u0627\u0631\u06cc \u0631\u0627 \u0628\u0631\u062f\u0627\u0634\u062a \u0646\u06a9\u0646\u06cc\u062f \u0648 \u0627\u062c\u0627\u0632\u0647 \u062f\u0647\u06cc\u062f \u0628\u0647 \u0627\u0635\u0644 \u0633\u0631\u0645\u0627\u06cc\u0647 \u0627\u0641\u0632\u0648\u062f\u0647 \u0634\u0648\u062f.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u06f2. \u0633\u0631\u0645\u0627\u06cc\u0647\u200c\u06af\u0630\u0627\u0631\u06cc \u0645\u0646\u0638\u0645 (\u0645\u062b\u0644\u0627\u064b \u0645\u0627\u0647\u0627\u0646\u0647) \u062f\u0627\u0634\u062a\u0647 \u0628\u0627\u0634\u06cc\u062f \u062a\u0627 \u0627\u062b\u0631 \u0645\u0631\u06a9\u0628 \u0633\u0631\u06cc\u0639\u200c\u062a\u0631 \u0639\u0645\u0644 \u06a9\u0646\u062f.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u06f3. \u062f\u0631 \u0627\u0628\u0632\u0627\u0631\u0647\u0627\u06cc\u06cc \u0628\u0627 \u0633\u0648\u062f \u067e\u0627\u06cc\u062f\u0627\u0631 \u0645\u0627\u0646\u0646\u062f \u0635\u0646\u062f\u0648\u0642\u200c\u0647\u0627\u06cc \u062f\u0631\u0622\u0645\u062f \u062b\u0627\u0628\u062a \u0645\u0639\u062a\u0628\u0631 \u0633\u0631\u0645\u0627\u06cc\u0647\u200c\u06af\u0630\u0627\u0631\u06cc \u06a9\u0646\u06cc\u062f.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u06f4. \u0628\u0627\u0632\u062f\u0647 \u0648\u0627\u0642\u0639\u06cc \u0631\u0627 \u0628\u0627 \u062f\u0631\u0646\u0638\u0631\u06af\u0631\u0641\u062a\u0646 \u062a\u0648\u0631\u0645 \u0628\u0633\u0646\u062c\u06cc\u062f.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u06f5. \u0635\u0628\u0648\u0631 \u0628\u0627\u0634\u06cc\u062f\u061b \u0633\u0648\u062f \u0645\u0631\u06a9\u0628 \u067e\u0627\u062f\u0627\u0634 \u0632\u0645\u0627\u0646 \u0627\u0633\u062a\u060c \u0646\u0647 \u0639\u062c\u0644\u0647.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u0645\u0627\u0634\u06cc\u0646\u200c\u062d\u0633\u0627\u0628 \u0627\u0631\u0632\u0634 \u0622\u062a\u06cc (Future Value)<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u0641\u0631\u0645\u0648\u0644 \u0627\u0631\u0632\u0634 \u0622\u062a\u06cc (FV) \u062f\u0631 \u0646\u0631\u0645\u200c\u0627\u0641\u0632\u0627\u0631 Excel \u06cc\u06a9\u06cc \u0627\u0632 \u0627\u0628\u0632\u0627\u0631\u0647\u0627\u06cc \u06a9\u0627\u0631\u0628\u0631\u062f\u06cc \u0627\u0633\u062a \u06a9\u0647 \u0646\u0634\u0627\u0646 \u0645\u06cc\u200c\u062f\u0647\u062f \u06cc\u06a9 \u0645\u0628\u0644\u063a \u0633\u0631\u0645\u0627\u06cc\u0647\u200c\u06af\u0630\u0627\u0631\u06cc\u200c\u0634\u062f\u0647 \u0627\u0645\u0631\u0648\u0632\u060c \u0628\u0627 \u0641\u0631\u0636 \u0646\u0631\u062e \u0631\u0634\u062f \u0645\u0634\u062e\u0635 \u0648 \u0637\u06cc \u062a\u0639\u062f\u0627\u062f \u062f\u0648\u0631\u0647\u200c\u0647\u0627\u06cc \u0645\u0639\u06cc\u0646\u060c \u062f\u0631 \u0622\u06cc\u0646\u062f\u0647 \u0686\u0642\u062f\u0631 \u062e\u0648\u0627\u0647\u062f \u0634\u062f. \u0627\u06cc\u0646 \u0641\u0631\u0645\u0648\u0644 \u0628\u0627 \u062f\u0631\u0646\u0638\u0631\u06af\u0631\u0641\u062a\u0646 \u0646\u0631\u062e \u062f\u0648\u0631\u0647\u200c\u0627\u06cc\u060c \u062a\u0639\u062f\u0627\u062f \u062f\u0648\u0631\u0647\u200c\u0647\u0627\u060c \u067e\u0631\u062f\u0627\u062e\u062a\u200c\u0647\u0627\u06cc \u0645\u0646\u0638\u0645 \u0648 \u0627\u0631\u0632\u0634 \u0641\u0639\u0644\u06cc\u060c \u0627\u0645\u06a9\u0627\u0646 \u0645\u062d\u0627\u0633\u0628\u0647 \u062f\u0642\u06cc\u0642 \u0627\u0631\u0632\u0634 \u0633\u0631\u0645\u0627\u06cc\u0647 \u062f\u0631 \u0622\u06cc\u0646\u062f\u0647 \u0631\u0627 \u0641\u0631\u0627\u0647\u0645 \u0645\u06cc\u200c\u06a9\u0646\u062f. \u0627\u0632 \u0637\u0631\u06cc\u0642 \u0644\u06cc\u0646\u06a9 \u0632\u06cc\u0631 \u0645\u06cc\u200c\u062a\u0648\u0627\u0646\u06cc\u062f \u0645\u0627\u0634\u06cc\u0646 \u062d\u0633\u0627\u0628 \u0645\u062d\u0627\u0633\u0628\u0647 \u0627\u0631\u0632\u0634 \u0622\u062a\u06cc \u0631\u0627 \u062f\u0627\u0646\u0644\u0648\u062f \u06a9\u0646\u06cc\u062f.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">{\u062f\u0627\u0646\u0644\u0648\u062f \u0645\u0627\u0634\u06cc\u0646 \u062d\u0633\u0627\u0628 \u0627\u0631\u0632\u0634 \u0622\u062a\u06cc}<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u062c\u0645\u0639 \u0628\u0646\u062f\u06cc<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u0633\u0648\u062f \u0645\u0631\u06a9\u0628 \u0646\u06cc\u0631\u0648\u06cc\u06cc \u0627\u0633\u062a \u06a9\u0647 \u062f\u0631 \u06af\u0630\u0631 \u0632\u0645\u0627\u0646 \u0628\u0631\u0627\u06cc \u0634\u0645\u0627 \u06a9\u0627\u0631 \u0645\u06cc\u200c\u06a9\u0646\u062f. \u0627\u06cc\u0646 \u0645\u0641\u0647\u0648\u0645 \u0633\u0627\u062f\u0647 \u0627\u0645\u0627 \u0646\u06cc\u0631\u0648\u0645\u0646\u062f\u060c \u0627\u0633\u0627\u0633 \u062b\u0631\u0648\u062a\u200c\u0633\u0627\u0632\u06cc \u067e\u0627\u06cc\u062f\u0627\u0631 \u062f\u0631 \u062c\u0647\u0627\u0646 \u0645\u0627\u0644\u06cc \u0627\u0633\u062a. \u0628\u0627 \u0627\u0646\u0636\u0628\u0627\u0637\u060c \u062a\u062f\u0627\u0648\u0645 \u0648 \u0627\u0646\u062a\u062e\u0627\u0628 \u0627\u0628\u0632\u0627\u0631 \u0645\u0646\u0627\u0633\u0628\u060c \u062d\u062a\u06cc \u0633\u0631\u0645\u0627\u06cc\u0647\u200c\u0647\u0627\u06cc \u06a9\u0648\u0686\u06a9 \u0645\u06cc\u200c\u062a\u0648\u0627\u0646\u0646\u062f \u062f\u0631 \u0627\u062b\u0631 \u06af\u0630\u0634\u062a \u0632\u0645\u0627\u0646\u060c \u0628\u0647 \u062f\u0627\u0631\u0627\u06cc\u06cc\u200c\u0647\u0627\u06cc \u0628\u0632\u0631\u06af \u062a\u0628\u062f\u06cc\u0644 \u0634\u0648\u0646\u062f\u061b \u062f\u0631\u0633\u062a \u0647\u0645\u0627\u0646\u200c\u06af\u0648\u0646\u0647 \u06a9\u0647 \u06af\u0644\u0648\u0644\u0647 \u0628\u0631\u0641 \u06a9\u0648\u0686\u06a9 \u062f\u0631 \u0645\u0633\u06cc\u0631 \u0637\u0648\u0644\u0627\u0646\u06cc \u062e\u0648\u062f \u0628\u0647 \u0628\u0647\u0645\u0646\u06cc \u0639\u0638\u06cc\u0645 \u0628\u062f\u0644 \u0645\u06cc\u200c\u0634\u0648\u062f.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u0633\u0648\u062f \u0645\u0631\u06a9\u0628 (Compound Interest) \u0631\u0627 \u0645\u06cc\u200c\u062a\u0648\u0627\u0646 \u06cc\u06a9\u06cc \u0627\u0632 \u0634\u06af\u0641\u062a\u200c\u0627\u0646\u06af\u06cc\u0632\u062a\u0631\u06cc\u0646 \u0645\u0641\u0627\u0647\u06cc\u0645 \u062f\u0646\u06cc\u0627\u06cc \u0633\u0631\u0645\u0627\u06cc\u0647\u200c\u06af\u0630\u0627\u0631\u06cc \u062f\u0627\u0646\u0633\u062a\u061b \u0645\u0641\u0647\u0648\u0645\u06cc \u06a9\u0647 \u00ab\u0622\u0644\u0628\u0631\u062a \u0627\u06cc\u0646\u0634\u062a\u06cc\u0646\u00bb \u0627\u0632 \u0622\u0646 \u0628\u0627 \u0639\u0646\u0648\u0627\u0646 \u00ab\u0647\u0634\u062a\u0645\u06cc\u0646 \u0634\u06af\u0641\u062a\u06cc \u062c\u0647\u0627\u0646\u00bb \u06cc\u0627\u062f \u0645\u06cc\u200c\u06a9\u0631\u062f. \u0627\u06af\u0631 \u0633\u0648\u062f \u0633\u0627\u062f\u0647 \u062a\u0646\u0647\u0627 \u06cc\u06a9\u200c\u0628\u0627\u0631 \u0628\u0631 \u0627\u0635\u0644 \u0633\u0631\u0645\u0627\u06cc\u0647 \u0627\u0639\u0645\u0627\u0644 \u0645\u06cc\u200c\u0634\u0648\u062f\u060c \u0633\u0648\u062f \u0645\u0631\u06a9\u0628\u060c \u00ab\u0633\u0648\u062f \u0631\u0648\u06cc \u0633\u0648\u062f\u00bb \u0627\u0633\u062a \u0648 \u0647\u0645\u06cc\u0646 \u0648\u06cc\u0698\u06af\u06cc \u0628\u0627\u0639\u062b \u0645\u06cc\u200c\u0634\u0648\u062f \u0627\u0631\u0632\u0634 \u0633\u0631\u0645\u0627\u06cc\u0647 \u062f\u0631 \u0637\u0648\u0644 \u0632\u0645\u0627\u0646 \u0628\u0647\u200c\u0635\u0648\u0631\u062a \u062a\u0635\u0627\u0639\u062f\u06cc \u0627\u0641\u0632\u0627\u06cc\u0634 &hellip;<\/p>\n","protected":false},"author":2,"featured_media":2986,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[192],"tags":[],"class_list":["post-2977","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-192"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.3 (Yoast SEO v27.7) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>\u0633\u0648\u062f \u0645\u0631\u06a9\u0628 \u0686\u06cc\u0633\u062a\u061f \u0641\u0631\u0645\u0648\u0644 \u0645\u062d\u0627\u0633\u0628\u0647 \u0648 \u0646\u0642\u0634 \u0622\u0646 \u062f\u0631 \u0631\u0634\u062f \u0633\u0631\u0645\u0627\u06cc\u0647 - \u0622\u0645\u0648\u0632\u0634 \u0633\u0631\u0645\u0627\u06cc\u0647\u200c \u06af\u0630\u0627\u0631\u06cc<\/title>\n<meta name=\"description\" content=\"\u0633\u0648\u062f \u0645\u0631\u06a9\u0628 \u0686\u06cc\u0633\u062a \u0648 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