{"id":333,"date":"2026-10-03T13:52:35","date_gmt":"2026-10-03T12:52:35","guid":{"rendered":"https:\/\/wpcalc.com\/tr\/acil-durum-fonu-birikim\/"},"modified":"2026-10-03T13:52:35","modified_gmt":"2026-10-03T12:52:35","slug":"acil-durum-fonu-birikim","status":"publish","type":"post","link":"https:\/\/wpcalc.com\/tr\/finans\/acil-durum-fonu-birikim\/","title":{"rendered":"Acil Durum Fonu Birikim Planlay\u0131c\u0131s\u0131"},"content":{"rendered":"<section class=\"not-prose calculator-box\" aria-labelledby=\"calculator-title\"><div class=\"flex items-baseline sm:items-center justify-between gap-2 sm:gap-3\"><div class=\"flex flex-col sm:flex-row sm:items-center gap-2\"><span class=\"icon icon-calculator text-primary-700! text-base! dark:text-primary-300!\" aria-hidden=\"true\"><\/span><h2 id=\"calculator-title\" class=\"text-lg font-display font-bold\">Acil Birikim Hedefi Hesaplay\u0131c\u0131s\u0131<\/h2><\/div><div class=\"calcdash-favorite group\">\n  <button type=\"button\" class=\"favorite\" id=\"favorite\" data-favorite-id=\"333\" data-favorite-title=\"Acil Durum Fonu Birikim Planlay\u0131c\u0131s\u0131\" data-favorite-url=\"https:\/\/wpcalc.com\/tr\/finans\/acil-durum-fonu-birikim\/\" data-favorite-excerpt=\"T\u0131bbi masraflar\u0131, sigorta teminat kesintilerini (muafiyet) ve bir d\u00f6nem i\u015fsizli\u011fi kar\u015f\u0131lamak i\u00e7in acil durum fonunuzda ne kadar olmas\u0131 gerekti\u011fini tahmin edin; ayl\u0131k katk\u0131lar\u0131n\u0131za ve beklenen getiriye g\u00f6re bu paray\u0131 biriktirmenin ka\u00e7 ay s\u00fcrece\u011fini g\u00f6r\u00fcn.\" aria-label=\"Favorilere ekle\" data-favorite-icon=\"icon icon-budget\">\n    <span class=\"icon icon-shape-star-empty\" aria-hidden=\"true\"><\/span>\n  <\/button>\n  <div class=\"calcdash-favorite__tip\" aria-hidden=\"true\">\n   <span class=\"favorite-tooltip\" id=\"favorite-tooltip\"><\/span>\n  <\/div>\n  <span class=\"sr-only\" role=\"status\" id=\"favorite-status\"><\/span>\n<\/div><\/div><form action=\"https:\/\/wpcalc.com\/tr\/finans\/acil-durum-fonu-birikim\/\" method=\"POST\" class=\"calculator\" id=\"calculator-333\" data-post=\"333\"><fieldset class=\"fieldset-input\"><legend class=\"sr-only\">Giri\u015f alanlar\u0131<\/legend><div class=\"field has-term\" id=\"input-1\"><label for=\"field-1\">T\u0131bbi acil durumlar<\/label><div class=\"term\">EM<\/div>  <div class=\"absolute bottom-0 left-16 top-8 w-2 h-0.5 bg-blue-500\"><\/div><input type=\"text\" name=\"tbbi_acil_durumlar\" id=\"field-1\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"500\"\/><\/div><div class=\"field has-term\" id=\"input-2\"><label for=\"field-2\">Ara\u00e7 onar\u0131m\u0131 acil durumlar\u0131<\/label><div class=\"term\">EA<\/div>  <div class=\"absolute bottom-0 left-16 top-8 w-2 h-0.5 bg-blue-500\"><\/div><input type=\"text\" name=\"ara_onarm_acil_durumlar\" id=\"field-2\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"400\"\/><\/div><div class=\"field has-term\" id=\"input-3\"><label for=\"field-3\">Hukuki acil durumlar<\/label><div class=\"term\">EL<\/div>  <div class=\"absolute bottom-0 left-16 top-8 w-2 h-0.5 bg-blue-500\"><\/div><input type=\"text\" name=\"hukuki_acil_durumlar\" id=\"field-3\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"300\"\/><\/div><div class=\"field has-term\" id=\"input-4\"><label for=\"field-4\">M\u00fclk hasar\u0131 acil durumlar\u0131<\/label><div class=\"term\">EP<\/div>  <div class=\"absolute bottom-0 left-16 top-8 w-2 h-0.5 bg-blue-500\"><\/div><input type=\"text\" name=\"mlk_hasar_acil_durumlar\" id=\"field-4\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"700\"\/><\/div><div class=\"field has-term\" id=\"input-5\"><label for=\"field-5\">Di\u011fer acil durumlar<\/label><div class=\"term\">EO<\/div>  <div class=\"absolute bottom-0 left-16 top-8 w-2 h-0.5 bg-blue-500\"><\/div><input type=\"text\" name=\"dier_acil_durumlar\" id=\"field-5\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"200\"\/><\/div><div class=\"field has-term\" id=\"input-6\"><label for=\"field-6\">Sa\u011fl\u0131k sigortas\u0131 muafiyet tutar\u0131<\/label><div class=\"term\">IM<\/div>  <div class=\"absolute bottom-0 left-16 top-8 w-2 h-0.5 bg-blue-500\"><\/div><input type=\"text\" name=\"salk_sigortas_muafiyet_tutar\" id=\"field-6\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"300\"\/><\/div><div class=\"field has-term\" id=\"input-7\"><label for=\"field-7\">Ara\u00e7 sigortas\u0131 muafiyet tutar\u0131<\/label><div class=\"term\">IA<\/div>  <div class=\"absolute bottom-0 left-16 top-8 w-2 h-0.5 bg-blue-500\"><\/div><input type=\"text\" name=\"ara_sigortas_muafiyet_tutar\" id=\"field-7\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"250\"\/><\/div><div class=\"field has-term\" id=\"input-8\"><label for=\"field-8\">M\u00fclk sigortas\u0131 muafiyet tutar\u0131<\/label><div class=\"term\">IP<\/div>  <div class=\"absolute bottom-0 left-16 top-8 w-2 h-0.5 bg-blue-500\"><\/div><input type=\"text\" name=\"mlk_sigortas_muafiyet_tutar\" id=\"field-8\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"400\"\/><\/div><div class=\"field has-term\" id=\"input-9\"><label for=\"field-9\">Di\u011fer sigorta muafiyet tutar\u0131<\/label><div class=\"term\">IO<\/div>  <div class=\"absolute bottom-0 left-16 top-8 w-2 h-0.5 bg-blue-500\"><\/div><input type=\"text\" name=\"dier_sigorta_muafiyet_tutar\" id=\"field-9\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"150\"\/><\/div><div class=\"field has-term\" id=\"input-10\"><label for=\"field-10\">Ayl\u0131k ya\u015fam giderleri<\/label><div class=\"term\">L<\/div>  <div class=\"absolute bottom-0 left-16 top-8 w-2 h-0.5 bg-blue-500\"><\/div><input type=\"text\" name=\"aylk_yaam_giderleri\" id=\"field-10\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"1500\"\/><\/div><div class=\"field has-term\" id=\"input-11\"><label for=\"field-11\">\u0130\u015fsiz kal\u0131nacak ay say\u0131s\u0131<\/label><div class=\"term\">M<\/div>  <div class=\"absolute bottom-0 left-16 top-8 w-2 h-0.5 bg-blue-500\"><\/div><input type=\"text\" name=\"siz_kalnacak_ay_says\" id=\"field-11\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"3\"\/><\/div><div class=\"field has-term\" id=\"input-12\"><label for=\"field-12\">Mevcut birikim tutar\u0131<\/label><div class=\"term\">S<\/div>  <div class=\"absolute bottom-0 left-16 top-8 w-2 h-0.5 bg-blue-500\"><\/div><input type=\"text\" name=\"mevcut_birikim_tutar\" id=\"field-12\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"2000\"\/><\/div><div class=\"field has-term\" id=\"input-13\"><label for=\"field-13\">Ayl\u0131k birikim<\/label><div class=\"term\">MS<\/div>  <div class=\"absolute bottom-0 left-16 top-8 w-2 h-0.5 bg-blue-500\"><\/div><input type=\"text\" name=\"aylk_birikim\" id=\"field-13\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"300\"\/><\/div><div class=\"field has-term\" id=\"input-14\"><label for=\"field-14\">Getiri oran\u0131 (vergi sonras\u0131)<\/label><div class=\"term\">R<\/div>  <div class=\"absolute bottom-0 left-16 top-8 w-2 h-0.5 bg-blue-500\"><\/div><input type=\"text\" name=\"getiri_oran_vergi_sonras\" id=\"field-14\" aria-describedby=\"calc-unit-14\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"2\"\/><div class=\"unit\" id=\"calc-unit-14\">%<\/div><\/div><\/fieldset><div class=\"buttons\"><button type=\"submit\" data-text=\"Yeniden hesapla\" id=\"calculate-button\" data-post=\"333\">Hesapla<\/button><button type=\"reset\">S\u0131f\u0131rla<\/button><\/div><div class=\"field is-checkbox hidden!\" id=\"field-auto-calc\"><input type=\"checkbox\" id=\"auto-calc\"><label for=\"auto-calc\">Otomatik hesapla<\/label><small>Etkinle\u015ftirilirse, herhangi bir de\u011feri de\u011fi\u015ftirdi\u011finizde sonu\u00e7 otomatik olarak g\u00fcncellenir.<\/small><\/div><div class=\"fieldset-result is-hidden\" aria-labelledby=\"result-title\" aria-live=\"polite\" role=\"region\"> <h3 class=\"result-title bg-gradient-to-r from-primary-50 to-gray-50 dark:from-primary-900 dark:to-gray-800\" id=\"result-title\"><span class=\"icon icon-s-pulse\" aria-hidden=\"true\"><\/span> Sonu\u00e7lar\u0131n\u0131z<\/h3><div class=\"result-box\"><div class=\"field-result\" id=\"output-1\"><span class=\"field-title\"><span>Birikim Yap\u0131lacak Toplam Tutar<\/span><\/span><span class=\"field-value\" id=\"result-1\" data-unit=\"$\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Sonucu kopyala\" aria-label=\"Sonucu kopyala\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-2\"><span class=\"field-title\"><span>Birikim Yap\u0131lacak Ay Say\u0131s\u0131<\/span><\/span><span class=\"field-value\" id=\"result-2\" data-unit=\"ay\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Sonucu kopyala\" aria-label=\"Sonucu kopyala\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><\/div><div class=\"result-actions\"><button type=\"button\" class=\"copy-link\"><svg viewBox=\"0 0 20 20\" fill=\"currentColor\" aria-hidden=\"true\"><path d=\"M12.232 4.232a2.5 2.5 0 0 1 3.536 3.536l-1.225 1.224a.75.75 0 0 0 1.061 1.06l1.224-1.224a4 4 0 0 0-5.656-5.656l-3 3a4 4 0 0 0 .225 5.865.75.75 0 0 0 .977-1.138 2.5 2.5 0 0 1-.142-3.667l3-3Z\"\/><path d=\"M11.603 7.963a.75.75 0 0 0-.977 1.138 2.5 2.5 0 0 1 .142 3.667l-3 3a2.5 2.5 0 0 1-3.536-3.536l1.225-1.224a.75.75 0 0 0-1.061-1.06l-1.224 1.224a4 4 0 1 0 5.656 5.656l3-3a4 4 0 0 0-.225-5.865Z\"\/><\/svg><span class=\"copy-link__text\">Bu hesaplaman\u0131n ba\u011flant\u0131s\u0131n\u0131 kopyala<\/span><\/button><span class=\"sr-only\" role=\"status\" id=\"copy-link-status\"><\/span><\/div><\/div><a href=\"#respond\" class=\"hidden transition-opacity duration-300 opacity-0 w-50 text-sm justify-center items-center gap-2 px-4 py-2 rounded bg-gray-200 text-gray-700 hover:bg-gray-300\" id=\"leave-comment\"><span class=\"icon icon-comments\" aria-hidden=\"true\"><\/span>Yorum b\u0131rak<\/a><\/form><\/section><section id=\"calc-reactions\" class=\"not-prose hidden my-12 bg-gradient-to-r from-primary-50 to-gray-50 border border-indigo-100 rounded-xl px-6 py-4 shadow-sm\" data-post=\"333\" aria-live=\"polite\" aria-labelledby=\"calc-reactions-title\"><p id=\"calc-reactions-title\" class=\"text-sm text-gray-500 text-center mb-2\">Bu sonu\u00e7 hakk\u0131nda ne d\u00fc\u015f\u00fcn\u00fcyorsunuz?<\/p><div role=\"group\" aria-labelledby=\"calc-reactions-title\" class=\"grid grid-cols-3 sm:flex sm:flex-row sm:justify-around gap-4 sm:items-center sm:flex-wrap\"><button type=\"button\" aria-pressed=\"false\" class=\"reaction-btn flex flex-col items-center gap-1 text-sm text-gray-700 hover:text-primary-600 cursor-pointer transition-transform hover:scale-105\" data-reaction=\"like\"><span class=\"reaction-count\" data-reaction-count=\"like\">0<\/span><span class=\"reaction text-3xl\" aria-hidden=\"true\">\ud83d\ude00 <\/span><span class=\"reaction-description font-medium\">Be\u011fendim <\/span><\/button><button type=\"button\" aria-pressed=\"false\" class=\"reaction-btn flex flex-col items-center gap-1 text-sm text-gray-700 hover:text-primary-600 cursor-pointer transition-transform hover:scale-105\" data-reaction=\"helpful\"><span class=\"reaction-count\" data-reaction-count=\"helpful\">0<\/span><span class=\"reaction text-3xl\" aria-hidden=\"true\">\ud83d\udca1 <\/span><span class=\"reaction-description font-medium\">Faydal\u0131 <\/span><\/button><button type=\"button\" aria-pressed=\"false\" class=\"reaction-btn flex flex-col items-center gap-1 text-sm text-gray-700 hover:text-primary-600 cursor-pointer transition-transform hover:scale-105\" data-reaction=\"confused\"><span class=\"reaction-count\" data-reaction-count=\"confused\">0<\/span><span class=\"reaction text-3xl\" aria-hidden=\"true\">\ud83d\ude15 <\/span><span class=\"reaction-description font-medium\">Kafam kar\u0131\u015ft\u0131 <\/span><\/button><button type=\"button\" aria-pressed=\"false\" class=\"reaction-btn flex flex-col items-center gap-1 text-sm text-gray-700 hover:text-primary-600 cursor-pointer transition-transform hover:scale-105\" data-reaction=\"disappointed\"><span class=\"reaction-count\" data-reaction-count=\"disappointed\">0<\/span><span class=\"reaction text-3xl\" aria-hidden=\"true\">\ud83d\ude1e <\/span><span class=\"reaction-description font-medium\">Hayal k\u0131r\u0131kl\u0131\u011f\u0131 <\/span><\/button><button type=\"button\" aria-pressed=\"false\" class=\"reaction-btn flex flex-col items-center gap-1 text-sm text-gray-700 hover:text-primary-600 cursor-pointer transition-transform hover:scale-105\" data-reaction=\"inaccurate\"><span class=\"reaction-count\" data-reaction-count=\"inaccurate\">0<\/span><span class=\"reaction text-3xl\" aria-hidden=\"true\">\u274c <\/span><span class=\"reaction-description font-medium\">Hatal\u0131 <\/span><\/button><\/div><div id=\"reaction-message\" class=\"hidden mt-8 rounded-md border border-primary-100 bg-white\/50 backdrop-blur-sm px-4 py-2 text-sm text-center shadow-sm\"><\/div><\/section><div class=\"calcdash-ad not-prose calcdash-ad--calc_result calcdash-ad--in-article\"><ins class=\"adsbygoogle\" style=\"display:block\" data-ad-client=\"ca-pub-1721569815777345\" data-ad-slot=\"6317458308\" data-ad-layout=\"in-article\" data-ad-format=\"fluid\"><\/ins><script>(adsbygoogle = window.adsbygoogle || []).push({});<\/script><\/div>\n<style id=\"wpcoderpro-inline-1\">.formula-box {\r\n\tborder-bottom: none !important;\r\n}<\/style><section class=\"formula-box\" aria-labelledby=\"formula-title\">\r\n\t<div id=\"formula-title\" class=\"not-prose font-display mb-4\"><span class=\"icon icon-formula\" aria-hidden=\"true\"><\/span><h2>Acil Durum Fonu Hesaplama Form\u00fcl\u00fc<\/h2><\/div>\r\n\t<figure class=\"not-prose formula\">\r\n\t\t<figcaption class=\"formula-title\">Form\u00fcl<\/figcaption>\r\n\t\t<div class=\"text-base text-gray-800\" id=\"formula\">\n\\[ \\text{ToplamAcilDurum} = EM + EA + EL + EP + EO \\\\ \\text{ToplamSigorta} = IM + IA + IP + IO \\\\ \\text{GecimTamponu} = L \\times M \\\\ \\text{ToplamBirikim} = \\text{ToplamAcilDurum} + \\text{ToplamSigorta} + \\text{GecimTamponu} - S \\\\ \\text{AySayisi} = \\begin{cases} \\dfrac{\\log\\left(\\dfrac{MS + \\frac{R}{1200} \\cdot \\text{ToplamBirikim}}{MS}\\right)}{\\log\\left(1 + \\frac{R}{1200}\\right)} &amp; \\text{eger } R &gt; 0 \\\\[6pt] \\dfrac{\\text{ToplamBirikim}}{MS} &amp; \\text{eger } R = 0 \\end{cases} \\]\n<\/div>\r\n\t<\/figure>\r\n\t<\/p>\n<p><strong>Buradaki de\u011fi\u015fkenler:<\/strong><\/p>\n<ul>\n<li>\\(EM, EA, EL, EP, EO\\) \u2014 beklenen tek seferlik acil masraflar: sa\u011fl\u0131k, ara\u00e7 tamiri, hukuki sorunlar, maddi hasar ve di\u011fer acil durumlar<\/li>\n<li>\\(IM, IA, IP, IO\\) \u2014 sa\u011fl\u0131k, ara\u00e7, m\u00fclk (konut) ve di\u011fer sigortalar i\u00e7in poli\u00e7e teminat kesintileri (sigortan\u0131n \u00f6demedi\u011fi, sizin cepten kar\u015f\u0131laman\u0131z gereken k\u0131s\u0131m)<\/li>\n<li>\\(L\\) \u2014 ayl\u0131k ge\u00e7im masraflar\u0131; \\(M\\) \u2014 tampon olu\u015fturulacak i\u015fsizlik ay say\u0131s\u0131<\/li>\n<li>\\(S\\) \u2014 h\u00e2lihaz\u0131rda biriktirilmi\u015f tutar<\/li>\n<li>\\(MS\\) \u2014 fona her ay eklenen tutar<\/li>\n<li>\\(R\\) \u2014 y\u0131ll\u0131k net (vergi sonras\u0131) getiri oran\u0131, y\u00fczde olarak<\/li>\n<\/ul>\n<p>\u0130lk \u00fc\u00e7 sat\u0131r birikim hedefini olu\u015fturur: beklenen acil masraflar, art\u0131 sigorta teminat kesintileri, art\u0131 belirli bir i\u015fsizlik d\u00f6nemi i\u00e7in ge\u00e7im masraf\u0131 tamponu, eksi h\u00e2lihaz\u0131rda biriktirilmi\u015f tutar. Son sat\u0131r ise bu hedefi gereken ay say\u0131s\u0131na d\u00f6n\u00fc\u015ft\u00fcr\u00fcr; bile\u015fik b\u00fcy\u00fcme ayl\u0131k \\(R\/1200\\) oran\u0131yla hesaplan\u0131r ya da getiri s\u0131f\u0131rsa basit b\u00f6lme yap\u0131l\u0131r.<\/p>\n<p>\r\n<\/section>\n<style id=\"wpcoderpro-inline-2\">.calculation-box {\r\n\tborder-bottom: none !important;\r\n}<\/style><section id=\"calculation\" class=\"calculation-box\" aria-labelledby=\"calculation-title\">\r\n\t<div id=\"calculation-title\" class=\"not-prose font-display\"><span class=\"icon icon-unordered-list\" aria-hidden=\"true\"><\/span><h2>Acil Durum Fonu \u2013 Hesaplama \u00d6rne\u011fi<\/h2><\/div>\r\n\r\n<\/p>\n<p><strong>\u00d6rnek:<\/strong> sa\u011fl\u0131k acil durumlar\u0131 i\u00e7in \\(500\\), ara\u00e7 tamirleri i\u00e7in \\(400\\), hukuki sorunlar i\u00e7in \\(300\\), maddi hasar i\u00e7in \\(700\\) ve di\u011fer acil durumlar i\u00e7in \\(200\\) b\u00fct\u00e7el\u0131yorsunuz. Sigorta teminat kesintileriniz \\(300\\) (sa\u011fl\u0131k), \\(250\\) (ara\u00e7), \\(400\\) (m\u00fclk) ve \\(150\\) (di\u011fer). Ayl\u0131k \\(1{,}500\\) tutar\u0131nda \\(3\\) ayl\u0131k ge\u00e7im masraf\u0131n\u0131 kar\u015f\u0131lamak istiyorsunuz, \\(2{,}000\\) biriktirdiniz, ayda \\(300\\) katk\u0131 yap\u0131yorsunuz ve fon vergi sonras\u0131 %\\(2\\) kazand\u0131r\u0131yor.<\/p>\n<p>\\[ \\text{ToplamAcilDurum} = 500 + 400 + 300 + 700 + 200 = 2100 \\]<\/p>\n<p>\\[ \\text{ToplamSigorta} = 300 + 250 + 400 + 150 = 1100 \\]<\/p>\n<p>\\[ \\text{GecimTamponu} = 1500 \\times 3 = 4500 \\]<\/p>\n<p>\\[ \\text{ToplamBirikim} = 2100 + 1100 + 4500 - 2000 = 5700 \\]<\/p>\n<p>\\[ \\text{AySayisi} = \\frac{\\log\\left(\\frac{300 + 0.0016667 \\times 5700}{300}\\right)}{\\log(1.0016667)} \\approx \\frac{\\log(1.031667)}{0.0016653} \\approx 18.7 \\]<\/p>\n<p><strong>Sonu\u00e7:<\/strong> 5.700 $ daha biriktirmeniz gerekiyor; bu da %\\(2\\) y\u0131ll\u0131k getiri ve ayl\u0131k \\(300\\) katk\u0131yla yakla\u015f\u0131k 19 ay (yukar\u0131 yuvarlanm\u0131\u015f) s\u00fcr\u00fcyor.<\/p>\n<p>\n\r\n<\/section>\n<h2>Acil Durum Fonu Birikim Planlay\u0131c\u0131s\u0131 Nas\u0131l Kullan\u0131l\u0131r?<\/h2>\n<ol>\n<li>Beklenen tek seferlik acil masraflar\u0131n\u0131z\u0131 <strong>Sa\u011fl\u0131k acil durumlar\u0131<\/strong>, <strong>Ara\u00e7 tamiri acil durumlar\u0131<\/strong>, <strong>Hukuki acil durumlar<\/strong>, <strong>Maddi hasar acil durumlar\u0131<\/strong> ve <strong>Di\u011fer acil durumlar<\/strong> alanlar\u0131na girin. Bir kategori sizin i\u00e7in ge\u00e7erli de\u011filse 0'da b\u0131rak\u0131n.<\/li>\n<li>Cepten kar\u015f\u0131laman\u0131z gereken tutarlar\u0131 <strong>Sa\u011fl\u0131k sigortas\u0131 teminat kesintisi<\/strong>, <strong>Ara\u00e7 sigortas\u0131 teminat kesintisi<\/strong>, <strong>M\u00fclk sigortas\u0131 teminat kesintisi<\/strong> ve <strong>Di\u011fer sigorta teminat kesintisi<\/strong> alanlar\u0131na yaz\u0131n. Bunlar sigortan\u0131z\u0131n \u00f6demeyece\u011fi tutarlard\u0131r.<\/li>\n<li><strong>Ayl\u0131k ge\u00e7im masraflar\u0131<\/strong>n\u0131z\u0131 ve fonun kar\u015f\u0131lamas\u0131n\u0131 istedi\u011finiz <strong>\u0130\u015fsizlik ay say\u0131s\u0131<\/strong>n\u0131 girin.<\/li>\n<li>H\u00e2lihaz\u0131rda ay\u0131rd\u0131\u011f\u0131n\u0131z tutar\u0131 <strong>H\u00e2lihaz\u0131rda biriktirilmi\u015f tutar<\/strong> alan\u0131na ekleyin.<\/li>\n<li>Her ay ne kadar ay\u0131rabilece\u011finizi <strong>Ayl\u0131k birikim<\/strong> alan\u0131na, fonu tuttu\u011funuz hesaptan beklenen vergi sonras\u0131 <strong>Getiri oran\u0131 (vergi sonras\u0131)<\/strong> de\u011ferini girin.<\/li>\n<li>Sonu\u00e7lar\u0131 okuyun: <strong>Toplam Biriktirilecek Tutar<\/strong> kalan hedefinizdir, <strong>Biriktirme S\u00fcresi (Ay)<\/strong> ise bu hedefe ula\u015fman\u0131n ne kadar s\u00fcrece\u011fini g\u00f6sterir.<\/li>\n<\/ol>\n<h2>Acil Durum Fonu Nedir ve Neden \u00d6nemlidir?<\/h2>\n<p>Acil durum fonu, \u00f6ng\u00f6r\u00fclmeyen masraflar i\u00e7in \u00f6zellikle ayr\u0131lm\u0131\u015f parad\u0131r: ani bir hastane faturas\u0131, \u015fanz\u0131man ar\u0131zas\u0131, hukuki bir anla\u015fmazl\u0131k, f\u0131rt\u0131na hasar\u0131 veya i\u015f kayb\u0131. Bu olaylar habersiz geldi\u011fi i\u00e7in paran\u0131n likit olmas\u0131 gerekir \u2014 bir g\u00fcn i\u00e7inde eri\u015febilece\u011finiz bir tasarruf hesab\u0131nda veya para piyasas\u0131 fonunda tutulmal\u0131, tam ters bir anda satmak zorunda kalaca\u011f\u0131n\u0131z hisse senetlerinde veya m\u00fclkte tutulmamal\u0131d\u0131r.<\/p>\n<p>Bu planlay\u0131c\u0131, hedefi tek tip bir kurala dayand\u0131rmak yerine a\u015fa\u011f\u0131dan yukar\u0131ya do\u011fru olu\u015fturur. Tek seferlik acil masraflar\u0131 (belki yaln\u0131zca bir kez kar\u015f\u0131la\u015faca\u011f\u0131n\u0131z masraflar\u0131), sigorta teminat kesintilerinden (sigortal\u0131 bir hasardaki pay\u0131n\u0131zdan) ve gelir durursa sizi koruyan ge\u00e7im masraf\u0131 tamponundan ay\u0131r\u0131r. Pek \u00e7ok ki\u015fi daha basit bir \u00f6l\u00e7\u00fct olarak \u00fc\u00e7 ila alt\u0131 ayl\u0131k masraf\u0131 kullan\u0131r; bu hesaplay\u0131c\u0131, \\(M\\) de\u011ferini 3 veya 6 yaparak bu varsay\u0131m\u0131 kendi durumunuza g\u00f6re test etmenizi sa\u011flar.<\/p>\n<p>\u0130kinci sonu\u00e7 \u2014 biriktirme s\u00fcresi \u2014 hedefi plana d\u00f6n\u00fc\u015ft\u00fcr\u00fcr. Katk\u0131lar faiz kazand\u0131\u011f\u0131 i\u00e7in fon, basit b\u00f6lmenin \u00f6nerdi\u011finden biraz daha h\u0131zl\u0131 b\u00fcy\u00fcr; hesaplay\u0131c\u0131 ayl\u0131k \\(R\/1200\\) oran\u0131yla bile\u015fik faiz uygular. Bu bile\u015fik b\u00fcy\u00fcmenin ayr\u0131nt\u0131lar\u0131yla nas\u0131l \u00e7al\u0131\u015ft\u0131\u011f\u0131n\u0131 anlamak i\u00e7in <a href=\"https:\/\/wpcalc.com\/tr\/finans\/bilesik-faiz\/\">Bile\u015fik Faiz hesaplay\u0131c\u0131m\u0131za<\/a> bak\u0131n.<\/p>\n<p>Ay say\u0131s\u0131 bekledi\u011finizden fazlaysa, ayl\u0131k birikiminizi art\u0131rabilir, tampon d\u00f6nemini a\u015famal\u0131 olarak geni\u015fletebilirsiniz (\u00f6rne\u011fin \u00f6nce bir ayl\u0131k masraf\u0131 biriktirin) veya olas\u0131 olmayan acil durum kategorilerini \u00e7\u0131kararak hedefi k\u00fc\u00e7\u00fcltebilirsiniz. Ger\u00e7ekten tamamlad\u0131\u011f\u0131n\u0131z bir fon, yar\u0131m b\u0131rakt\u0131\u011f\u0131n\u0131z kusursuz bir plandan daha iyidir.<\/p>\n<h2>Varsay\u0131mlar, S\u0131n\u0131rlamalar ve Pratik \u0130pu\u00e7lar\u0131<\/h2>\n<ul>\n<li><strong>Tek seferlik, yinelenen de\u011fil:<\/strong> acil durum ve teminat kesintisi tutarlar\u0131 tek olaylar olarak ele al\u0131n\u0131r. Ayn\u0131 masraf\u0131 birden fazla kez bekliyorsan\u0131z kopyalar\u0131 ekleyin.<\/li>\n<li><strong>Sabit katk\u0131lar:<\/strong> hesaplama, her ay ayn\u0131 tutar\u0131 yat\u0131rd\u0131\u011f\u0131n\u0131z\u0131 varsayar. Geliriniz de\u011fi\u015fkense bir ortalama kullan\u0131n veya hesaplamay\u0131 muhafazak\u00e2r bir rak\u0131mla yeniden \u00e7al\u0131\u015ft\u0131r\u0131n \u2014 serbest \u00e7al\u0131\u015fanlar ve \u00f6\u011frenciler, ay\u0131rabilecekleri tutar\u0131 tahmin etmek i\u00e7in <a href=\"https:\/\/wpcalc.com\/tr\/finans\/ogrenci-butce-planlayici\/\">\u00d6\u011frenci B\u00fct\u00e7esi Planlay\u0131c\u0131s\u0131n\u0131<\/a> faydal\u0131 bulabilir.<\/li>\n<li><strong>Getiri vergi sonras\u0131d\u0131r:<\/strong> likit bir hesapta ger\u00e7ek\u00e7i olarak bekledi\u011finiz net getiriyi girin. Acil durum fonu i\u00e7in borsa getirisi kullanmak yan\u0131lt\u0131c\u0131d\u0131r, \u00e7\u00fcnk\u00fc paraya her an ihtiya\u00e7 duyulabilir.<\/li>\n<li><strong>H\u00e2lihaz\u0131rda biriktirilmi\u015f tutar:<\/strong> mevcut birikiminizin bir k\u0131sm\u0131 ba\u015fka hedefler i\u00e7in ayr\u0131lm\u0131\u015fsa buraya saymay\u0131n \u2014 yaln\u0131zca ger\u00e7ekten acil durumlar i\u00e7in harcamaya istekli oldu\u011funuz paray\u0131 dahil edin.<\/li>\n<li><strong>Yukar\u0131 yuvarlay\u0131n:<\/strong> ay sonucu her zaman bir sonraki tam aya yuvarlan\u0131r, b\u00f6ylece hedefe ge\u00e7 de\u011fil, biraz erken ula\u015f\u0131rs\u0131n\u0131z.<\/li>\n<li><strong>Y\u00fcksek faizli bor\u00e7:<\/strong> kredi kart\u0131 borcunuz varsa, onu kapatmak size bir tasarruf hesab\u0131n\u0131n kazand\u0131rd\u0131\u011f\u0131ndan daha fazla kazand\u0131rabilir. D\u00fc\u015f\u00fck getirili bir fona b\u00fcy\u00fck mebla\u011flar yat\u0131rmadan \u00f6nce <a href=\"https:\/\/wpcalc.com\/tr\/finans\/borc-birlestirme\/\">Bor\u00e7 Yap\u0131land\u0131rma \u00d6demesi hesaplay\u0131c\u0131s\u0131yla<\/a> senaryolar\u0131 kar\u015f\u0131la\u015ft\u0131r\u0131n.<\/li>\n<\/ul>\n<p>Yayg\u0131n bir pratik strateji, bor\u00e7 \u00f6derken ani s\u00fcrprizler i\u00e7in k\u00fc\u00e7\u00fck bir ba\u015flang\u0131\u00e7 fonu (\\(500\\)\u2013\\(1{,}000\\)) tutmak, ard\u0131ndan bu planlay\u0131c\u0131n\u0131n g\u00f6sterdi\u011fi tam hedefe do\u011fru ilerlemektir.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>T\u0131bbi masraflar\u0131, sigorta teminat kesintilerini (muafiyet) ve bir d\u00f6nem i\u015fsizli\u011fi kar\u015f\u0131lamak i\u00e7in acil durum fonunuzda ne kadar olmas\u0131 gerekti\u011fini tahmin edin; ayl\u0131k katk\u0131lar\u0131n\u0131za ve beklenen getiriye g\u00f6re bu paray\u0131 biriktirmenin ka\u00e7 ay s\u00fcrece\u011fini g\u00f6r\u00fcn.<\/p>\n","protected":false},"author":3168,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[7],"tags":[24],"class_list":["post-333","post","type-post","status-publish","format-standard","hentry","category-finans","tag-butce"],"acf":[],"_links":{"self":[{"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/posts\/333","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/users\/3168"}],"replies":[{"embeddable":true,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/comments?post=333"}],"version-history":[{"count":4,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/posts\/333\/revisions"}],"predecessor-version":[{"id":2652,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/posts\/333\/revisions\/2652"}],"wp:attachment":[{"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/media?parent=333"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/categories?post=333"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/tags?post=333"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}