{"id":628,"date":"2026-10-03T14:55:27","date_gmt":"2026-10-03T13:55:27","guid":{"rendered":"https:\/\/wpcalc.com\/tr\/gelecek-degerin-bugunku-degeri\/"},"modified":"2026-10-03T14:55:27","modified_gmt":"2026-10-03T13:55:27","slug":"gelecek-degerin-bugunku-degeri","status":"publish","type":"post","link":"https:\/\/wpcalc.com\/tr\/finans\/gelecek-degerin-bugunku-degeri\/","title":{"rendered":"Gelecek De\u011ferin Bug\u00fcnk\u00fc De\u011feri Hesaplama Arac\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\">Gelecekten Bug\u00fcne De\u011fer Tahmin Arac\u0131<\/h2><\/div><div class=\"calcdash-favorite group\">\n  <button type=\"button\" class=\"favorite\" id=\"favorite\" data-favorite-id=\"628\" data-favorite-title=\"Gelecek De\u011ferin Bug\u00fcnk\u00fc De\u011feri\" data-favorite-url=\"https:\/\/wpcalc.com\/tr\/finans\/gelecek-degerin-bugunku-degeri\/\" data-favorite-excerpt=\"Gelecekteki bir tutar\u0131n bug\u00fcnk\u00fc de\u011ferini hesaplay\u0131n. Gelecekteki tutar\u0131 bug\u00fcne indirimlemek i\u00e7in gelecek tutar\u0131, y\u0131ll\u0131k faiz oran\u0131n\u0131, y\u0131l say\u0131s\u0131n\u0131 ve bile\u015fik faiz s\u0131kl\u0131\u011f\u0131n\u0131 girin.\" aria-label=\"Favorilere ekle\" data-favorite-icon=\"icon icon-loan\">\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\/gelecek-degerin-bugunku-degeri\/\" method=\"POST\" class=\"calculator\" id=\"calculator-628\" data-post=\"628\"><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\">Gelecek De\u011fer (FV)<\/label><div class=\"term\">FV<\/div>  <div class=\"absolute bottom-0 left-16 top-8 w-2 h-0.5 bg-blue-500\"><\/div><input type=\"text\" name=\"gelecek_deer_fv\" id=\"field-1\" aria-describedby=\"calc-unit-1 calc-info-1\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"10000\"\/><div class=\"unit\" id=\"calc-unit-1\">$<\/div><small id=\"calc-info-1\">Gelecek de\u011fer tutar\u0131n\u0131 girin<\/small><\/div><div class=\"field has-term\" id=\"input-2\"><label for=\"field-2\">Y\u0131ll\u0131k Faiz Oran\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=\"yllk_faiz_oran\" id=\"field-2\" aria-describedby=\"calc-unit-2 calc-info-2\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"5\"\/><div class=\"unit\" id=\"calc-unit-2\">%<\/div><small id=\"calc-info-2\">Y\u0131ll\u0131k faiz oran\u0131n\u0131 girin<\/small><\/div><div class=\"field has-term\" id=\"input-3\"><label for=\"field-3\">Y\u0131l Say\u0131s\u0131<\/label><div class=\"term\">n<\/div>  <div class=\"absolute bottom-0 left-16 top-8 w-2 h-0.5 bg-blue-500\"><\/div><input type=\"text\" name=\"yl_says\" id=\"field-3\" aria-describedby=\"calc-unit-3 calc-info-3\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"1\" value=\"10\"\/><div class=\"unit\" id=\"calc-unit-3\">y\u0131l<\/div><small id=\"calc-info-3\">Y\u0131l say\u0131s\u0131n\u0131 girin<\/small><\/div><div class=\"field\" id=\"input-4\"><label for=\"field-4\">Bile\u015fik Frekans\u0131<\/label><div class=\"grid grid-cols-1\"><select id=\"field-4\" name=\"bileik_frekans\"><option value=\"1\">Y\u0131ll\u0131k<\/option><option value=\"2\">Alt\u0131 Ayl\u0131k D\u00f6nemlerde<\/option><option value=\"4\">\u00dc\u00e7 Ayl\u0131k D\u00f6nemlerde<\/option><option value=\"12\">Ayl\u0131k<\/option><\/select><svg class=\"pointer-events-none col-start-1 row-start-1 mr-2 size-5 self-center justify-self-end text-gray-500 sm:size-4\" viewBox=\"0 0 16 16\" fill=\"currentColor\" aria-hidden=\"true\" data-slot=\"icon\">\n              <path fill-rule=\"evenodd\" d=\"M4.22 6.22a.75.75 0 0 1 1.06 0L8 8.94l2.72-2.72a.75.75 0 1 1 1.06 1.06l-3.25 3.25a.75.75 0 0 1-1.06 0L4.22 7.28a.75.75 0 0 1 0-1.06Z\" clip-rule=\"evenodd\" \/>\n            <\/svg><\/div><\/div><\/fieldset><div class=\"buttons\"><button type=\"submit\" data-text=\"Yeniden hesapla\" id=\"calculate-button\" data-post=\"628\">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>Bug\u00fcnk\u00fc De\u011fer (PV)<\/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><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=\"628\" 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>Bug\u00fcnk\u00fc De\u011fer 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\\[ PV = \\frac{FV}{(1 + i)^N} \\]\n<\/div>\r\n\t<\/figure>\r\n\t<\/p>\n<p><strong>Burada:<\/strong><\/p>\n<ul>\n<li>\\(PV\\) \u2014 bug\u00fcnk\u00fc de\u011fer (gelecekteki tutar\u0131n bug\u00fcnk\u00fc kar\u015f\u0131l\u0131\u011f\u0131)<\/li>\n<li>\\(FV\\) \u2014 gelecek de\u011fer (ileride elde edilecek tek seferlik tutar)<\/li>\n<li>\\(i = \\dfrac{r}{m}\\) \u2014 bile\u015fik faiz d\u00f6nemi ba\u015f\u0131na faiz oran\u0131; burada \\(r\\) ondal\u0131k olarak y\u0131ll\u0131k oran, \\(m\\) ise y\u0131ldaki bile\u015fik faiz d\u00f6nemi say\u0131s\u0131d\u0131r<\/li>\n<li>\\(N = n \\times m\\) \u2014 \\(n\\) y\u0131l boyunca toplam bile\u015fik faiz d\u00f6nemi say\u0131s\u0131<\/li>\n<\/ul>\n<p>Bu, standart iskonto (indirimleme) form\u00fcl\u00fcd\u00fcr: gelecekteki tutar\u0131 b\u00fcy\u00fcme \u00e7arpan\u0131 \\((1 + i)^N\\) ile b\u00f6lerek bug\u00fcnk\u00fc para cinsinden ifade eder. Y\u0131ll\u0131k bile\u015fik faiz durumunda \\(PV = \\frac{FV}{(1 + r)^n}\\) \u015feklinde sadele\u015fir.<\/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>Bug\u00fcnk\u00fc De\u011fer \u2013 Hesaplama \u00d6rne\u011fi<\/h2><\/div>\r\n\r\n<\/p>\n<p><strong>\u00d6rnek:<\/strong> 10 y\u0131l sonra 10.000 $ alaca\u011f\u0131n\u0131z\u0131 bekliyorsunuz. Y\u0131ll\u0131k faiz oran\u0131 %5 ve ayl\u0131k bile\u015fik faizle i\u015fliyor. Bu tutar bug\u00fcn ne de\u011fer?<\/p>\n<p>Ayl\u0131k oran: \\( i = \\frac{0.05}{12} \\approx 0.004167 \\), toplam d\u00f6nem: \\( N = 10 \\times 12 = 120 \\)<\/p>\n<p>\\[ PV = \\frac{10{,}000}{(1 + 0.004167)^{120}} = \\frac{10{,}000}{1.647009} \\approx 6{,}071.61 \\]<\/p>\n<p><strong>Sonu\u00e7:<\/strong> bug\u00fcnk\u00fc de\u011fer yakla\u015f\u0131k <strong>6.071,61 $<\/strong>. Ba\u015fka bir deyi\u015fle, bug\u00fcn ayl\u0131k bile\u015fik %5 oranla yat\u0131r\u0131lan 6.071,61 $, 10 y\u0131l sonra 10.000 $ olur.<\/p>\n<p>\n\r\n<\/section>\n<h2>Hesaplama Arac\u0131 Nas\u0131l Kullan\u0131l\u0131r?<\/h2>\n<ol>\n<li><strong>Gelecek De\u011feri (FV)<\/strong> girin \u2014 ileri bir tarihte almay\u0131 bekledi\u011finiz veya ihtiya\u00e7 duyaca\u011f\u0131n\u0131z tek seferlik tutar\u0131.<\/li>\n<li><strong>Y\u0131ll\u0131k Faiz Oran\u0131n\u0131<\/strong> y\u00fczde olarak girin (\u00f6rne\u011fin %5 i\u00e7in 5 girin). Bu, iskonto oran\u0131d\u0131r: bug\u00fcnk\u00fc paran\u0131zla elde edebilece\u011finiz getiri.<\/li>\n<li>Gelecek de\u011ferin ger\u00e7ekle\u015fmesine kalan <strong>Y\u0131l Say\u0131s\u0131n\u0131<\/strong> girin.<\/li>\n<li><strong>Bile\u015fik Faiz S\u0131kl\u0131\u011f\u0131n\u0131<\/strong> se\u00e7in \u2014 Y\u0131ll\u0131k, Alt\u0131 Ayl\u0131k, \u00dc\u00e7 Ayl\u0131k veya Ayl\u0131k \u2014 faizin ne s\u0131kl\u0131kla i\u015flendi\u011fine uygun olarak.<\/li>\n<li><strong>Bug\u00fcnk\u00fc De\u011fer (PV)<\/strong> sonucunu okuyun: bug\u00fcn belirtilen oranla yat\u0131r\u0131ld\u0131\u011f\u0131nda tam olarak gelecek de\u011fere ula\u015facak tutar.<\/li>\n<\/ol>\n<h2>Bug\u00fcnk\u00fc De\u011fer Nedir ve Neden \u00d6nemlidir?<\/h2>\n<p>Bug\u00fcnk\u00fc de\u011fer basit ama g\u00fc\u00e7l\u00fc bir soruya yan\u0131t verir: gelecekteki bir para miktar\u0131 \u015fu anda neye de\u011fer? Para faiz getirebildi\u011fi i\u00e7in bug\u00fcnk\u00fc bir dolar, yar\u0131nki bir dolardan daha de\u011ferlidir \u2014 bu ilke <strong>paran\u0131n zaman de\u011feri<\/strong> olarak bilinir. \u0130skonto, bile\u015fik faiz s\u00fcrecini tersine \u00e7evirir: bug\u00fcnk\u00fc paray\u0131 ileriye projeksiyon yapmak yerine, gelecekteki paray\u0131 geriye, bug\u00fcne \u00e7evirir.<\/p>\n<p>Girdi\u011finiz faiz oran\u0131 <em>iskonto oran\u0131<\/em> olarak g\u00f6rev yapar. Bu oran, benzer riskteki paran\u0131z\u0131n ba\u015fka yerde ger\u00e7ek\u00e7i olarak kazanabilece\u011fi getiriyi yans\u0131tmal\u0131d\u0131r \u2014 bir tasarruf hesab\u0131 getirisi, tahvil oran\u0131 veya beklenen yat\u0131r\u0131m getirisi. Daha y\u00fcksek bir iskonto oran\u0131 bug\u00fcnk\u00fc de\u011feri k\u00fc\u00e7\u00fclt\u00fcr, \u00e7\u00fcnk\u00fc bug\u00fcn yat\u0131r\u0131m yapma alternatifi daha caziptir; daha d\u00fc\u015f\u00fck oran ise gelecekteki tutar\u0131 bug\u00fcnden daha de\u011ferli k\u0131lar.<\/p>\n<p>Bug\u00fcnk\u00fc de\u011fer finans\u0131n her alan\u0131nda kullan\u0131l\u0131r: yat\u0131r\u0131mlar\u0131 de\u011ferlemek, \u00f6deme tekliflerini kar\u015f\u0131la\u015ft\u0131rmak, tahvilleri fiyatland\u0131rmak, i\u015f projelerini de\u011ferlendirmek ve emeklilik hedefleri planlamak. Biri size 10 y\u0131l sonra 10.000 $ m\u0131, yoksa bug\u00fcn daha k\u00fc\u00e7\u00fck bir tutar m\u0131 \u00f6nerse, ikisini de bug\u00fcnk\u00fc de\u011fere indirimlemek kar\u015f\u0131la\u015ft\u0131rmay\u0131 adil k\u0131lar. Ayr\u0131ca yinelenen \u00f6demeler i\u00e7in <a href=\"https:\/\/wpcalc.com\/tr\/finans\/rentin-bugunku-degeri\/\">Bug\u00fcnk\u00fc De\u011fer (Renteye G\u00f6re) hesaplama arac\u0131<\/a> ve zamanla b\u00fcy\u00fcyen \u00f6demeler i\u00e7in <a href=\"https:\/\/wpcalc.com\/tr\/finans\/buyuyen-sonsuz-annuite-bugunku-deger\/\">B\u00fcy\u00fcyen S\u00fcrekli \u00d6demenin Bug\u00fcnk\u00fc De\u011feri hesaplama arac\u0131<\/a> gibi ilgili ara\u00e7lar\u0131n da temelidir.<\/p>\n<p>Sonucun yorumlanmas\u0131 kolayd\u0131r: bug\u00fcnk\u00fc de\u011fer, verilen iskonto oran\u0131yla, gelecekteki tutar\u0131n yerine bug\u00fcn \u00f6demeye veya kabul etmeye raz\u0131 olabilece\u011finiz en y\u00fcksek tutard\u0131r. Gelecekteki hakk\u0131 bug\u00fcnk\u00fc de\u011ferinden daha d\u00fc\u015f\u00fck bir bedele elde edebiliyorsan\u0131z, i\u015flem o oranla lehinizedir.<\/p>\n<h2>Bile\u015fik Faiz S\u0131kl\u0131\u011f\u0131n\u0131n Etkisi<\/h2>\n<p>Faiz ne kadar s\u0131k i\u015flerse, para o kadar h\u0131zl\u0131 b\u00fcy\u00fcr \u2014 ve sabit bir gelecek tutar\u0131n\u0131n bug\u00fcnk\u00fc de\u011feri o kadar d\u00fc\u015fer. Yukar\u0131daki \u00f6rne\u011fi kullanarak (10 y\u0131l boyunca %5 ile 10.000 $):<\/p>\n<table>\n<thead>\n<tr>\n<th>Bile\u015fik faiz<\/th>\n<th>Y\u0131lda d\u00f6nem say\u0131s\u0131<\/th>\n<th>Bug\u00fcnk\u00fc de\u011fer<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Y\u0131ll\u0131k<\/td>\n<td>1<\/td>\n<td>6.139,13 $<\/td>\n<\/tr>\n<tr>\n<td>Alt\u0131 ayl\u0131k<\/td>\n<td>2<\/td>\n<td>6.102,71 $<\/td>\n<\/tr>\n<tr>\n<td>\u00dc\u00e7 ayl\u0131k<\/td>\n<td>4<\/td>\n<td>6.084,14 $<\/td>\n<\/tr>\n<tr>\n<td>Ayl\u0131k<\/td>\n<td>12<\/td>\n<td>6.071,61 $<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Farklar 10 y\u0131l boyunca %5 oranla k\u00fc\u00e7\u00fckt\u00fcr, ancak daha y\u00fcksek oranlarla ve daha uzun vadelerle b\u00fcy\u00fcrler; bu y\u00fczden bile\u015fik faiz ayar\u0131n\u0131 her zaman yat\u0131r\u0131m\u0131n veya kredinin ger\u00e7ek ko\u015fullar\u0131na uydurun.<\/p>\n<h2>Varsay\u0131mlar, S\u0131n\u0131rlamalar ve \u0130pu\u00e7lar\u0131<\/h2>\n<ul>\n<li><strong>Yaln\u0131zca tek seferlik tutar:<\/strong> form\u00fcl tek bir gelecek \u00f6demeye uygulan\u0131r. E\u015fit \u00f6demeler dizisi i\u00e7in yukar\u0131da ba\u011flant\u0131s\u0131 verilen rant\u0131 (annuity) hesaplama arac\u0131n\u0131 kullan\u0131n.<\/li>\n<li><strong>Sabit oran:<\/strong> hesaplama arac\u0131, iskonto oran\u0131n\u0131n t\u00fcm d\u00f6nem boyunca ayn\u0131 kalaca\u011f\u0131n\u0131 varsayar. Yat\u0131r\u0131mlar\u0131n ger\u00e7ek getirileri y\u0131ldan y\u0131la de\u011fi\u015fir; sonucu garanti de\u011fil, tahmin olarak de\u011ferlendirin.<\/li>\n<li><strong>Vergi, masraf veya enflasyon d\u00fczeltmesi yok:<\/strong> sonu\u00e7 nominal bug\u00fcnk\u00fc de\u011ferdir. Bug\u00fcnk\u00fc sat\u0131n alma g\u00fcc\u00fc cinsinden de\u011fer istiyorsan\u0131z, enflasyona g\u00f6re d\u00fczeltilmi\u015f (reel) bir iskonto oran\u0131 kullan\u0131n.<\/li>\n<li><strong>\u0130skonto oran\u0131 se\u00e7imi \u00f6nemlidir:<\/strong> gelecekteki \u00f6demenin riskine uygun bir oran kullan\u0131n \u2014 garantili bir \u00f6deme d\u00fc\u015f\u00fck oran\u0131, belirsiz bir \u00f6deme ise bug\u00fcnk\u00fc de\u011ferini d\u00fc\u015f\u00fcren daha y\u00fcksek bir oran\u0131 hak eder.<\/li>\n<li><strong>\u0130lgili planlama:<\/strong> gelecekteki bir hedefin bug\u00fcnk\u00fc para cinsinden maliyetini \u00f6\u011frendikten sonra, <a href=\"https:\/\/wpcalc.com\/tr\/finans\/yatirim-getirisi\/\">Yat\u0131r\u0131m Getirisi hesaplama arac\u0131<\/a> ve <a href=\"https:\/\/wpcalc.com\/tr\/finans\/emeklilik-planlayici\/\">Emeklilik Planlay\u0131c\u0131s\u0131<\/a> gibi ara\u00e7lar ona ula\u015fmak i\u00e7in bir tasarruf plan\u0131 olu\u015fturman\u0131za yard\u0131mc\u0131 olabilir.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Gelecekteki bir tutar\u0131n bug\u00fcnk\u00fc de\u011ferini hesaplay\u0131n. Gelecekteki tutar\u0131 bug\u00fcne indirimlemek i\u00e7in gelecek tutar\u0131, y\u0131ll\u0131k faiz oran\u0131n\u0131, y\u0131l say\u0131s\u0131n\u0131 ve bile\u015fik faiz s\u0131kl\u0131\u011f\u0131n\u0131 girin.<\/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":[75],"class_list":["post-628","post","type-post","status-publish","format-standard","hentry","category-finans","tag-konut-kredisi"],"acf":[],"_links":{"self":[{"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/posts\/628","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=628"}],"version-history":[{"count":5,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/posts\/628\/revisions"}],"predecessor-version":[{"id":2481,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/posts\/628\/revisions\/2481"}],"wp:attachment":[{"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/media?parent=628"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/categories?post=628"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/tags?post=628"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}