{"id":10621,"date":"2025-07-15T13:34:50","date_gmt":"2025-07-15T13:34:50","guid":{"rendered":"https:\/\/functiontranslator.com\/rownow-stopa-proc\/"},"modified":"2021-02-26T05:24:15","modified_gmt":"2021-02-26T05:24:15","slug":"rri","status":"publish","type":"post","link":"https:\/\/functiontranslator.com\/pl\/rri\/","title":{"rendered":"R\u00d3WNOW.STOPA.PROC"},"content":{"rendered":"

Opis funkcji<\/h2>\n

Funkcja RRI, znana jako R\u00d3WNOW.STOPA.PROC w j\u0119zyku polskim w Microsoft Excel oraz funkcja RRI w Google Sheets, pozwala obliczy\u0107 r\u00f3wnowa\u017cn\u0105 roczn\u0105 stop\u0119 procentow\u0105 dla inwestycji. Jest to bardzo przydatne narz\u0119dzie do zarz\u0105dzania portfelem inwestycyjnym oraz oceny efektywno\u015bci finansowej.<\/p>\n

Syntaktyka i przyk\u0142ady<\/h2>\n

W Excelu i Google Sheets syntaktyka funkcji RRI prezentuje si\u0119 nast\u0119puj\u0105co:<\/p>\n

=R\u00d3WNOW.STOPA.PROC(n; pv; fv)<\/code><\/pre>\n
    \n
  • n<\/strong> – liczba okres\u00f3w inwestycji, np. liczba lat.<\/li>\n
  • pv<\/strong> – warto\u015b\u0107 pocz\u0105tkowa inwestycji, czyli ile pieni\u0119dzy zosta\u0142o zainwestowane na start.<\/li>\n
  • fv<\/strong> – warto\u015b\u0107 ko\u0144cowa inwestycji, czyli przewidywana warto\u015b\u0107 po up\u0142ywie okre\u015blonej liczby okres\u00f3w.<\/li>\n<\/ul>\n
    Przyk\u0142ad:<\/strong> Za\u0142\u00f3\u017cmy, \u017ce zainwestowa\u0142e\u015b 1000 z\u0142 pi\u0119\u0107 lat temu, a obecnie twoja inwestycja jest warta 1500 z\u0142. Obliczymy roczn\u0105 stop\u0119 procentow\u0105 Twojej inwestycji.<\/p>\n
    =R\u00d3WNOW.STOPA.PROC(5; 1000; 1500)<\/code><\/pre>\n
    Wynik, kt\u00f3ry uzyskasz, wynosi oko\u0142o 0.08447, co odpowiada rocznej efektywnej stopie procentowej na poziomie 8.447%.<\/p>\n
    Praktyczne zastosowania<\/h2>\n
    Analiza r\u00f3\u017cnych okres\u00f3w inwestycji<\/h3>\n
    Za\u0142\u00f3\u017cmy, \u017ce rozpatrujesz dwie inwestycje. Pierwsza podwoi\u0142a swoj\u0105 warto\u015b\u0107 w ci\u0105gu 10 lat, a druga osi\u0105gn\u0119\u0142a to samo w ci\u0105gu 12 lat. Aby efektywnie por\u00f3wna\u0107 te inwestycje, wykorzystasz funkcj\u0119 RRI.<\/p>\n
    =R\u00d3WNOW.STOPA.PROC(10; 10000; 20000) =R\u00d3WNOW.STOPA.PROC(12; 10000; 20000)<\/code><\/pre>\n
    Pierwsza inwestycja da wynik oko\u0142o 0.0718 (7.18%), a druga – ni\u017csz\u0105 warto\u015b\u0107 oko\u0142o 0.0596 (5.96%).<\/p>\n
    Ocena plan\u00f3w emerytalnych<\/h3>\n
    Przyk\u0142adowo, rozpatrzmy dwa r\u00f3\u017cne plany emerytalne:<\/p>\n
      \n
    • Plan A zak\u0142ada podwojenie zainwestowanych \u015brodk\u00f3w w 25 lat.<\/li>\n
    • Plan B zak\u0142ada podwojenie zainwestowanych \u015brodk\u00f3w w 20 lat.<\/li>\n<\/ul>\n
      =R\u00d3WNOW.STOPA.PROC(25; 50000; 100000) =R\u00d3WNOW.STOPA.PROC(20; 50000; 100000)<\/code><\/pre>\n
      Pierwszy zwr\u00f3ci stop\u0119 na poziomie oko\u0142o 2.81% rocznie, podczas gdy drugi poka\u017ce oko\u0142o 3.53%. Oznacza to, \u017ce Plan B oferuje lepsze warunki ze wzgl\u0119du na wy\u017csz\u0105 roczn\u0105 stop\u0119 zwrotu.<\/p>\n","protected":false},"excerpt":{"rendered":"
      Zwraca r\u00f3wnowa\u017cn\u0105 stop\u0119 procentow\u0105 dla okre\u015blonego wzrostu warto\u015bci inwestycji<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[424],"tags":[],"class_list":["post-10621","post","type-post","status-publish","format-standard","hentry","category-finansowe"],"acf":[],"yoast_head":"\nFunkcja RRI (R\u00d3WNOW.STOPA.PROC) w Excelu \u2013 jak dzia\u0142a, przyk\u0142ady u\u017cycia i sk\u0142adnia<\/title>\n<meta name=\"description\" content=\"Opis funkcji RRI (R\u00d3WNOW.STOPA.PROC) w Excelu. 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