{"id":675,"date":"2026-10-03T15:05:31","date_gmt":"2026-10-03T14:05:31","guid":{"rendered":"https:\/\/wpcalc.com\/tr\/emeklilik-plani\/"},"modified":"2026-10-03T15:05:31","modified_gmt":"2026-10-03T14:05:31","slug":"emeklilik-plani","status":"publish","type":"post","link":"https:\/\/wpcalc.com\/tr\/finans\/emeklilik-plani\/","title":{"rendered":"Emeklilik Plan\u0131 Hesaplama"},"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\">Emeklilik Birikimi ve \u00c7ekim Tahmin Arac\u0131<\/h2><\/div><div class=\"calcdash-favorite group\">\n  <button type=\"button\" class=\"favorite\" id=\"favorite\" data-favorite-id=\"675\" data-favorite-title=\"Emeklilik Plan\u0131\" data-favorite-url=\"https:\/\/wpcalc.com\/tr\/finans\/emeklilik-plani\/\" data-favorite-excerpt=\"Bu Emeklilik Plan\u0131 Hesaplama arac\u0131, emeklilik \u00f6ncesinde biriktirece\u011finiz tutar\u0131 ve emeklilik d\u00f6neminizi finanse etmek i\u00e7in gereken tutar\u0131 tahmin etmenize yard\u0131mc\u0131 olur.\" 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\/emeklilik-plani\/\" method=\"POST\" class=\"calculator\" id=\"calculator-675\" data-post=\"675\"><fieldset class=\"fieldset-input\"><legend class=\"sr-only\">Giri\u015f alanlar\u0131<\/legend><div class=\"field\" id=\"input-1\"><label for=\"field-1\">Mevcut Ya\u015f<\/label><input type=\"text\" name=\"mevcut_ya\" id=\"field-1\" aria-describedby=\"calc-unit-1\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"35\"\/><div class=\"unit\" id=\"calc-unit-1\">y\u0131l<\/div><\/div><div class=\"field\" id=\"input-2\"><label for=\"field-2\">Emeklilik Ya\u015f\u0131<\/label><input type=\"text\" name=\"emeklilik_ya\" id=\"field-2\" aria-describedby=\"calc-unit-2\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"65\"\/><div class=\"unit\" id=\"calc-unit-2\">y\u0131l<\/div><\/div><div class=\"field\" id=\"input-3\"><label for=\"field-3\">Hane Geliri<\/label><input type=\"text\" name=\"hane_geliri\" id=\"field-3\" aria-describedby=\"calc-unit-3\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"60000\"\/><div class=\"unit\" id=\"calc-unit-3\">$<\/div><\/div><div class=\"field\" id=\"input-4\"><label for=\"field-4\">Mevcut Emeklilik Birikimi<\/label><input type=\"text\" name=\"mevcut_emeklilik_birikimi\" id=\"field-4\" aria-describedby=\"calc-unit-4\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"20000\"\/><div class=\"unit\" id=\"calc-unit-4\">$<\/div><\/div><div class=\"field\" id=\"input-5\"><label for=\"field-5\">Emeklilik \u00d6ncesi Getiri Oran\u0131<\/label><input type=\"number\" name=\"emeklilik_ncesi_getiri_oran\" id=\"field-5\" aria-describedby=\"calc-unit-5\" step=\"any\" value=\"6\"\/><div class=\"unit\" id=\"calc-unit-5\">%<\/div><\/div><div class=\"field\" id=\"input-6\"><label for=\"field-6\">Emeklilik S\u0131ras\u0131ndaki Getiri Oran\u0131<\/label><input type=\"number\" name=\"emeklilik_srasndaki_getiri_oran\" id=\"field-6\" aria-describedby=\"calc-unit-6\" step=\"any\" value=\"4\"\/><div class=\"unit\" id=\"calc-unit-6\">%<\/div><\/div><div class=\"field\" id=\"input-7\"><label for=\"field-7\">Gelirin % Ka\u00e7\u0131 Katk\u0131 Pay\u0131 Olarak Ayr\u0131lacak<\/label><input type=\"number\" name=\"gelirin_ka_katk_pay_olarak_ayrlacak\" id=\"field-7\" aria-describedby=\"calc-unit-7\" step=\"any\" value=\"10\"\/><div class=\"unit\" id=\"calc-unit-7\">%<\/div><\/div><div class=\"field\" id=\"input-8\"><label for=\"field-8\">Y\u0131ll\u0131k Maa\u015f Art\u0131\u015f Y\u00fczdesi<\/label><input type=\"number\" name=\"yllk_maa_art_yzdesi\" id=\"field-8\" aria-describedby=\"calc-unit-8\" step=\"any\" value=\"2\"\/><div class=\"unit\" id=\"calc-unit-8\">%<\/div><\/div><div class=\"field\" id=\"input-9\"><label for=\"field-9\">Emeklilikte Ge\u00e7irilecek Y\u0131l Say\u0131s\u0131<\/label><input type=\"number\" name=\"emeklilikte_geirilecek_yl_says\" id=\"field-9\" aria-describedby=\"calc-unit-9\" step=\"any\" value=\"25\"\/><div class=\"unit\" id=\"calc-unit-9\">y\u0131l<\/div><\/div><div class=\"field\" id=\"input-10\"><label for=\"field-10\">Emeklilikte \u0130htiya\u00e7 Duyulan Gelir (%)<\/label><input type=\"number\" name=\"emeklilikte_htiya_duyulan_gelir_\" id=\"field-10\" aria-describedby=\"calc-unit-10\" step=\"any\" value=\"80\"\/><div class=\"unit\" id=\"calc-unit-10\">%<\/div><\/div><div class=\"field\" id=\"input-11\"><label for=\"field-11\">Beklenen Enflasyon Oran\u0131<\/label><input type=\"number\" name=\"beklenen_enflasyon_oran\" id=\"field-11\" aria-describedby=\"calc-unit-11\" step=\"any\" value=\"2\"\/><div class=\"unit\" id=\"calc-unit-11\">%<\/div><\/div><\/fieldset><div class=\"buttons\"><button type=\"submit\" data-text=\"Yeniden hesapla\" id=\"calculate-button\" data-post=\"675\">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>Gereken Emeklilik Tutar\u0131<\/span><\/span><span class=\"field-value\" id=\"result-1\" data-unit=\"$\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Sonucu kopyala\" aria-label=\"Sonucu kopyala\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-2\"><span class=\"field-title\"><span>Emeklilik \u00d6ncesi Son Y\u0131l Geliri<\/span><\/span><span class=\"field-value\" id=\"result-2\" data-unit=\"$\"><\/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-3\"><span class=\"field-title\"><span>Y\u0131ll\u0131k Emeklilik Giderleri<\/span><\/span><span class=\"field-value\" id=\"result-3\" 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-4\"><span class=\"field-title\"><span>Enflasyona G\u00f6re D\u00fczeltilmi\u015f \u0130htiya\u00e7 (%)<\/span><\/span><span class=\"field-value\" id=\"result-4\" 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=\"675\" 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<p><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>Emeklilik Birikimi ve Finansman Form\u00fclleri<\/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\\[\n\\text{FV}_{\\text{birikim}} = \\sum_{t=1}^{T} \\left[ \\text{Gelir}_t \\times \\frac{p}{100} \\times (1 + r)^{T - t} \\right]\n\\]\n\\[\n\\text{PV}_{\\text{emeklilik}} = \\text{Y\u0131ll\u0131k \u0130htiya\u00e7} \\times \\frac{1 - (1 + r)^{-N}}{r}\n\\]\n<\/div>\r\n\t<\/figure>\r\n\t<br \/>\n<strong>Burada:<\/strong><\/p>\n<ul>\n<li>\\( \\text{FV}_{\\text{birikim}} \\) = Emeklilik ya\u015f\u0131ndaki emeklilik birikiminin gelecekteki de\u011feri<\/li>\n<li>\\( \\text{Gelir}_t \\) = \\( t \\) y\u0131l\u0131ndaki y\u0131ll\u0131k gelir<\/li>\n<li>\\( p \\) = Her y\u0131l birikilen gelir y\u00fczdesi<\/li>\n<li>\\( r \\) = Y\u0131ll\u0131k getiri oran\u0131<\/li>\n<li>\\( T \\) = Emeklili\u011fe kalan y\u0131l say\u0131s\u0131<\/li>\n<li>\\( \\text{PV}_{\\text{emeklilik}} \\) = Emeklilikte gereken tutar\u0131n bug\u00fcnk\u00fc de\u011feri<\/li>\n<li>\\( \\text{Y\u0131ll\u0131k \u0130htiya\u00e7} \\) = Emeklilik d\u00f6neminde istenen y\u0131ll\u0131k gelir<\/li>\n<li>\\( N \\) = Emeklilikte ge\u00e7en y\u0131l say\u0131s\u0131<\/li>\n<\/ul>\n<p>\r\n<\/section><br \/>\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>Emeklilik Planlamas\u0131 \u2013 Hesaplama \u00d6rne\u011fi<\/h2><\/div>\r\n\r\n<p>\nVarsayal\u0131m ki:<\/p>\n<ul>\n<li>30 y\u0131l boyunca 60.000 $ gelirin %10'unu y\u0131lda %6 getiriyle biriktiriyorsunuz.<\/li>\n<li>Emeklilikte 20 y\u0131l boyunca ayn\u0131 oranla y\u0131lda 40.000 $'a ihtiyac\u0131n\u0131z var.<\/li>\n<\/ul>\n<p><strong>Hesaplama:<\/strong><\/p>\n<ol>\n<li>$$\\text{FV}_{\\text{birikim}} = \\sum_{t=1}^{30} \\left[ 60.000 \\times 0,10 \\times (1,06)^{30 - t} \\right] \\approx 502.257$$<\/li>\n<li>$$\\text{PV}_{\\text{emeklilik}} = 40.000 \\times \\frac{1 - (1,06)^{-20}}{0,06} \\approx 459.230$$<\/li>\n<\/ol>\n<p>Yani, \u00f6ng\u00f6r\u00fclen birikiminiz emeklili\u011fi finanse etmek i\u00e7in yeterli olmal\u0131d\u0131r.<\/p>\n\r\n<\/section><\/p>\n<p>Bu hesaplama arac\u0131 hem <strong>emeklilik birikiminizin gelecekteki de\u011ferini<\/strong> hem de <strong>emeklilik d\u00f6neminde gereken gelirin bug\u00fcnk\u00fc de\u011ferini<\/strong> tahmin eder. Uzun vadeli planlama i\u00e7in tasarlanm\u0131\u015ft\u0131r ve emeklilikten sonra istedi\u011finiz ya\u015fam standart\u0131n\u0131 korumak i\u00e7in \u00e7al\u0131\u015fma y\u0131llar\u0131n\u0131zda ne kadar tasarruf etmeniz gerekti\u011fini de\u011ferlendirir. Yat\u0131r\u0131m getirisini ve emeklilik \u00e7ekimlerinin uzun s\u00fcreli\u011fini hesaba katar.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Bu Emeklilik Plan\u0131 Hesaplama arac\u0131, emeklilik \u00f6ncesinde biriktirece\u011finiz tutar\u0131 ve emeklilik d\u00f6neminizi finanse etmek i\u00e7in gereken tutar\u0131 tahmin etmenize yard\u0131mc\u0131 olur.<\/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-675","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\/675","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=675"}],"version-history":[{"count":0,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/posts\/675\/revisions"}],"wp:attachment":[{"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/media?parent=675"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/categories?post=675"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/tags?post=675"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}