Khetha imvamisa yokungenela bese ugcwalisa inani, amahora asetshenziwe ngeviki, amasonto asetshenzwe ngonyaka, ibhonasi kanye nezinga lentela ozikhethela lona. Yonke imiphumela isebenzisa ikhodi yemali efanayo.
Ifomula yokuguqulwa: iholo lonyaka = iholo lenyanga × 12 = iholo le-biweekly × 26 = iholo lamasonto onke × 52. Iholo lehora liguqulwa ngamahora okusebenza ngesonto × amasonto okusebenza ngonyaka; ibhonasi yonyaka yengezwe kanye kuphela, futhi intela elinganisiwe yangemva kwentela = imali engenayo yangaphambi kwentela yonyaka × (1 − izinga lentela yokufaka).
Imiphumela yangemuva kwentela kuphela izilinganiso ze-arithmetic zenani lentela elilodwa elifakwe umsebenzisi, azifaki izintela eziqhubekayo, ukuphepha komphakathi, izinzuzo, izimali ezibanjwayo noma imithetho yesifunda futhi azihlanganisi iseluleko sezimali nentela.