{"id":715,"date":"2026-10-03T15:14:18","date_gmt":"2026-10-03T14:14:18","guid":{"rendered":"https:\/\/wpcalc.com\/tr\/tasarruf-yatirim-hesaplama\/"},"modified":"2026-10-03T15:14:18","modified_gmt":"2026-10-03T14:14:18","slug":"tasarruf-yatirim-hesaplama","status":"publish","type":"post","link":"https:\/\/wpcalc.com\/tr\/finans\/tasarruf-yatirim-hesaplama\/","title":{"rendered":"Tasarruf ve Yat\u0131r\u0131m 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\">Tasarruf ve Yat\u0131r\u0131m Gelecekteki De\u011fer Arac\u0131<\/h2><\/div><div class=\"calcdash-favorite group\">\n  <button type=\"button\" class=\"favorite\" id=\"favorite\" data-favorite-id=\"715\" data-favorite-title=\"Tasarruf \/ Yat\u0131r\u0131m\" data-favorite-url=\"https:\/\/wpcalc.com\/tr\/finans\/tasarruf-yatirim-hesaplama\/\" data-favorite-excerpt=\"Ayl\u0131k tasarruflar\u0131n\u0131z\u0131n veya yat\u0131r\u0131mlar\u0131n\u0131z\u0131n bile\u015fik faizle nas\u0131l b\u00fcy\u00fcd\u00fc\u011f\u00fcn\u00fc tahmin edin. Gelecekteki de\u011feri, toplam katk\u0131lar\u0131 ve kazan\u0131lan faizi g\u00f6rmek i\u00e7in ayl\u0131k katk\u0131 tutar\u0131n\u0131z\u0131, y\u0131ll\u0131k faiz oran\u0131n\u0131z\u0131 ve s\u00fcreyi girin.\" aria-label=\"Favorilere ekle\" data-favorite-icon=\"icon icon-inventory\">\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\/tasarruf-yatirim-hesaplama\/\" method=\"POST\" class=\"calculator\" id=\"calculator-715\" data-post=\"715\"><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\">Ayl\u0131k katk\u0131<\/label><div class=\"term\">P<\/div>  <div class=\"absolute bottom-0 left-16 top-8 w-2 h-0.5 bg-blue-500\"><\/div><input type=\"text\" name=\"aylk_katk\" id=\"field-1\" aria-describedby=\"calc-unit-1 calc-info-1\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"200\"\/><div class=\"unit\" id=\"calc-unit-1\">$<\/div><small id=\"calc-info-1\">Her ay tasarruf etti\u011finiz veya yat\u0131rd\u0131\u011f\u0131n\u0131z tutar<\/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=\"6\"\/><div class=\"unit\" id=\"calc-unit-2\">%<\/div><small id=\"calc-info-2\">Beklenen y\u0131ll\u0131k faiz veya getiri oran\u0131<\/small><\/div><div class=\"field has-term\" id=\"input-3\"><label for=\"field-3\">Yat\u0131r\u0131m s\u00fcresi<\/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=\"yatrm_sresi\" 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\">Ne kadar s\u00fcre yat\u0131r\u0131m yapmay\u0131 planlad\u0131\u011f\u0131n\u0131z (y\u0131l olarak)<\/small><\/div><\/fieldset><div class=\"buttons\"><button type=\"submit\" data-text=\"Yeniden hesapla\" id=\"calculate-button\" data-post=\"715\">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>Tasarrufun Gelecek De\u011feri<\/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>Toplam Katk\u0131lar<\/span><\/span><span class=\"field-value\" id=\"result-2\" data-unit=\"$\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Sonucu kopyala\" aria-label=\"Sonucu kopyala\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-3\"><span class=\"field-title\"><span>Kazan\u0131lan Faiz<\/span><\/span><span class=\"field-value\" id=\"result-3\" data-unit=\"$\"><\/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><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=\"715\" 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>Tasarruf \/ Yat\u0131r\u0131m B\u00fcy\u00fcme 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\\[ FV = P \\times \\left( \\frac{(1 + r)^n - 1}{r} \\right) \\]\n<\/div>\r\n\t<\/figure>\r\n\t<\/p>\n<p><strong>Burada:<\/strong><\/p>\n<ul>\n<li>\\(FV\\) \u2014 tasarrufunuzun gelecekteki de\u011feri<\/li>\n<li>\\(P\\) \u2014 ayl\u0131k katk\u0131 (ayl\u0131k yat\u0131rd\u0131\u011f\u0131n\u0131z tutar)<\/li>\n<li>\\(r\\) \u2014 ayl\u0131k faiz oran\u0131 (y\u0131ll\u0131k oran\u0131n 12'ye b\u00f6l\u00fcnm\u00fc\u015f h\u00e2li)<\/li>\n<li>\\(n\\) \u2014 toplam ay say\u0131s\u0131 (y\u0131l \\(\\times\\) 12)<\/li>\n<\/ul>\n<p>Bu, bir ann\u00fcitenin gelecekteki de\u011fer form\u00fcl\u00fcd\u00fcr. Her ay\u0131n sonunda e\u015fit tutarlarda katk\u0131 yap\u0131lmas\u0131 ve faizin ayl\u0131k bile\u015fiklenmesi durumunda biriken bakiyeyi hesaplar. S\u0131f\u0131r bakiyeyle ba\u015flad\u0131\u011f\u0131n\u0131z ve hi\u00e7 para \u00e7ekmedi\u011finiz varsay\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>Tasarruf \/ Yat\u0131r\u0131m B\u00fcy\u00fcmesi \u2013 Hesaplama \u00d6rne\u011fi<\/h2><\/div>\r\n\r\n<\/p>\n<p><strong>\u00d6rnek:<\/strong> y\u0131ll\u0131k %6 faiz veren, faizi ayl\u0131k bile\u015fiklenen bir hesapta 10 y\u0131l boyunca her ay 200$ biriktiriyorsunuz.<\/p>\n<p>\\[ r = \\frac{6\\%}{12} = 0.005, \\quad n = 10 \\times 12 = 120 \\text{ ay} \\]<\/p>\n<p>\\[ FV = 200 \\times \\frac{(1 + 0.005)^{120} - 1}{0.005} \\approx 200 \\times 163.879 \\approx 32{,}775.87 \\]<\/p>\n<p><strong>Sonu\u00e7:<\/strong> gelecekteki de\u011fer <strong>$32.775,87<\/strong>. Toplam katk\u0131lar\u0131n\u0131z 200$ \\(\\times\\) 120 = <strong>$24.000,00<\/strong>; bu nedenle kazan\u0131lan faiz <strong>$8.775,87<\/strong>.<\/p>\n<p>\n\r\n<\/section>\n<h2>Hesaplay\u0131c\u0131 Nas\u0131l Kullan\u0131l\u0131r?<\/h2>\n<ol>\n<li><strong>Ayl\u0131k katk\u0131<\/strong> tutar\u0131n\u0131 girin \u2014 her ay yat\u0131rmay\u0131 planlad\u0131\u011f\u0131n\u0131z tutar\u0131.<\/li>\n<li><strong>Y\u0131ll\u0131k faiz oran\u0131n\u0131<\/strong> girin \u2014 bekledi\u011finiz y\u0131ll\u0131k getiriyi y\u00fczde olarak (\u00f6r. %6 i\u00e7in 6). 5,25 gibi ondal\u0131k de\u011ferler de kullanabilirsiniz.<\/li>\n<li><strong>Yat\u0131r\u0131m s\u00fcresini<\/strong> y\u0131l olarak girin \u2014 ne kadar s\u00fcre katk\u0131 yapmaya devam edece\u011finizi.<\/li>\n<li>Sonu\u00e7lar\u0131 okuyun: <strong>Tasarrufun Gelecekteki De\u011feri<\/strong> (son bakiye), <strong>Toplam Katk\u0131lar<\/strong> (yat\u0131rd\u0131\u011f\u0131n\u0131z para) ve <strong>Kazan\u0131lan Faiz<\/strong> (aradaki fark, yani paran\u0131z\u0131n sa\u011flad\u0131\u011f\u0131 art\u0131\u015f).<\/li>\n<\/ol>\n<h2>Bile\u015fik Faizli Birikim B\u00fcy\u00fcmesi Nedir?<\/h2>\n<p>Her ay sabit bir tutar biriktirdi\u011finizde ve hesap faiz kazand\u0131rd\u0131\u011f\u0131nda iki g\u00fc\u00e7 birlikte \u00e7al\u0131\u015f\u0131r. Birincisi, kendi katk\u0131lar\u0131n\u0131z bakiyeyi istikrarl\u0131 bi\u00e7imde art\u0131r\u0131r. \u0130kincisi, kazand\u0131\u011f\u0131n\u0131z faiz kendisi de faiz kazanmaya ba\u015flar \u2014 buna bile\u015fiklenme denir. Zamanla bile\u015fiklenme, toplam b\u00fcy\u00fcmenin giderek daha b\u00fcy\u00fck bir pay\u0131n\u0131 olu\u015fturur; bu y\u00fczden m\u00fctevaz\u0131 ayl\u0131k tutarlar bile on y\u0131llar i\u00e7inde \u00f6nemli mebl\u00e2\u011flara ula\u015fabilir.<\/p>\n<p>Sonu\u00e7lar \u00fc\u00e7 say\u0131 g\u00f6sterir ve her biri size farkl\u0131 bir \u015fey s\u00f6yler. <strong>Toplam Katk\u0131lar<\/strong>, o parayla ba\u015fka \u015feyler yapabilecekken hesaba koydu\u011funuz \u2014 yani kendi eme\u011finizin \u2014 tutard\u0131r. <strong>Kazan\u0131lan Faiz<\/strong>, paran\u0131n durmas\u0131na ve bile\u015fiklenmesine izin verdi\u011finiz i\u00e7in hesab\u0131n size 'bedava' verdi\u011fi tutard\u0131r. <strong>Tasarrufun Gelecekteki De\u011feri<\/strong> ise ikisinin toplam\u0131d\u0131r: d\u00f6nem sonunda elinizde olacak tutar.<\/p>\n<p>Sonucun faiz oran\u0131na ve vadeye ne kadar duyarl\u0131 oldu\u011funa dikkat edin. Yukar\u0131daki \u00f6rnekte %6 ile 10 y\u0131l, 24.000$ tutar\u0131ndaki katk\u0131lar\u0131 yakla\u015f\u0131k 32.776$'a d\u00f6n\u00fc\u015ft\u00fcr\u00fcyor. Ayn\u0131 plan\u0131 20 y\u0131la uzat\u0131rsan\u0131z faiz k\u0131sm\u0131 orant\u0131s\u0131z bi\u00e7imde b\u00fcy\u00fcr, \u00e7\u00fcnk\u00fc sonraki y\u0131llar \u00e7ok daha b\u00fcy\u00fck bir bakiye \u00fczerinden bile\u015fiklenir. Finansal planlamac\u0131lar\u0131n erken ba\u015flaman\u0131n \u00f6nemini vurgulamas\u0131n\u0131n nedeni budur: piyasada ge\u00e7irilen s\u00fcre, \u00e7o\u011fu zaman tek tek yap\u0131lan mevduatlar\u0131n b\u00fcy\u00fckl\u00fc\u011f\u00fcnden daha g\u00fc\u00e7l\u00fcd\u00fcr.<\/p>\n<p>Bu hesaplay\u0131c\u0131 emeklilik planlamas\u0131, acil durum fonu olu\u015fturma, ev pe\u015finat\u0131 i\u00e7in birikim, bir \u00e7ocu\u011fun e\u011fitimi ya da farkl\u0131 oranlara sahip tasarruf hesaplar\u0131n\u0131n ve vadeli d\u00fczenli mevduat \u00fcr\u00fcnlerinin kar\u015f\u0131la\u015ft\u0131r\u0131lmas\u0131 i\u00e7in kullan\u0131\u015fl\u0131d\u0131r. Bir yat\u0131r\u0131m\u0131n getirilerinin riskini kar\u015f\u0131lay\u0131p kar\u015f\u0131lamad\u0131\u011f\u0131n\u0131 de\u011ferlendiriyorsan\u0131z, performans\u0131 \u00f6l\u00e7mek i\u00e7in <a href=\"https:\/\/wpcalc.com\/tr\/finans\/sharpe-orani\/\">Sharpe Oran\u0131 hesaplay\u0131c\u0131m\u0131z<\/a> ve <a href=\"https:\/\/wpcalc.com\/tr\/finans\/kullanilan-sermaye-getirisi\/\">Kullan\u0131lan Sermaye Getirisi (ROCE) hesaplay\u0131c\u0131m\u0131z<\/a> da i\u015finize yarayabilir.<\/p>\n<h2>Varsay\u0131mlar ve S\u0131n\u0131rlamalar<\/h2>\n<ul>\n<li><strong>Katk\u0131lar her ay\u0131n sonunda yap\u0131l\u0131r<\/strong> (adi ann\u00fcite). Ay\u0131n ba\u015f\u0131nda yat\u0131racaksan\u0131z ger\u00e7ek bakiye bir miktar daha y\u00fcksek olur.<\/li>\n<li><strong>Faiz, y\u0131ll\u0131k oran\u0131n on ikide biriyle ayl\u0131k bile\u015fiklenir.<\/strong> G\u00fcnl\u00fck veya y\u0131ll\u0131k bile\u015fiklenen \u00fcr\u00fcnler biraz farkl\u0131 sonu\u00e7lar verir.<\/li>\n<li><strong>Oran\u0131n sabit oldu\u011fu varsay\u0131l\u0131r.<\/strong> Ger\u00e7ek yat\u0131r\u0131mlar (hisseler, fonlar) y\u0131ldan y\u0131la dalgalan\u0131r; sonucu garanti de\u011fil, bir projeksiyon olarak de\u011ferlendirin. %6 ortalama, \u00e7e\u015fitlendirilmi\u015f portf\u00f6yler i\u00e7in yayg\u0131n bir uzun vadeli varsay\u0131md\u0131r, ancak getiriler hi\u00e7bir zaman d\u00fczg\u00fcn seyretmez.<\/li>\n<li><strong>Vergiler, \u00fccretler ve enflasyon dahil de\u011fildir.<\/strong> Y\u00f6netim \u00fccretleri, hesap \u00fccretleri ve faiz vergileri son bakiyeyi d\u00fc\u015f\u00fcr\u00fcr. Katk\u0131lar\u0131 bug\u00fcnk\u00fc sat\u0131n alma g\u00fcc\u00fcyle kar\u015f\u0131la\u015ft\u0131rmak i\u00e7in sonucu beklenen enflasyon oran\u0131yla iskonto edin.<\/li>\n<li><strong>Ba\u015flang\u0131\u00e7 bakiyesi yoktur.<\/strong> Hesaplay\u0131c\u0131 s\u0131f\u0131rdan ba\u015flar. Zaten birikiminiz varsa b\u00fcy\u00fcmesini ayr\u0131ca hesaplay\u0131n (tek seferlik bir bile\u015fik faiz hesab\u0131) ve sonuca ekleyin.<\/li>\n<li><strong>Para \u00e7ekme veya atlanan ay yoktur.<\/strong> Her katk\u0131n\u0131n t\u00fcm s\u00fcre boyunca planland\u0131\u011f\u0131 \u015fekilde yap\u0131ld\u0131\u011f\u0131 varsay\u0131l\u0131r.<\/li>\n<\/ul>\n<h2>Referans: Farkl\u0131 Oran ve Vadelerle Ayl\u0131k 200$'\u0131n B\u00fcy\u00fcmesi<\/h2>\n<table>\n<thead>\n<tr>\n<th>Y\u0131ll\u0131k oran<\/th>\n<th>10 y\u0131l<\/th>\n<th>20 y\u0131l<\/th>\n<th>30 y\u0131l<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>3%<\/td>\n<td>$27.925<\/td>\n<td>$65.645<\/td>\n<td>$116.547<\/td>\n<\/tr>\n<tr>\n<td>6%<\/td>\n<td>$32.776<\/td>\n<td>$92.408<\/td>\n<td>$200.903<\/td>\n<\/tr>\n<tr>\n<td>9%<\/td>\n<td>$38.713<\/td>\n<td>$133.277<\/td>\n<td>$366.148<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Kar\u015f\u0131la\u015ft\u0131rma i\u00e7in toplam katk\u0131lar: 10 y\u0131lda $24.000, 20 y\u0131lda $48.000 ve 30 y\u0131lda $72.000. Tablo, daha y\u00fcksek bir oran\u0131n ve daha uzun bir vadenin faiz k\u0131sm\u0131n\u0131 nas\u0131l katlad\u0131\u011f\u0131n\u0131 g\u00f6steriyor \u2014 30 y\u0131lda %6 ile faiz ($128.903), kendi yat\u0131rd\u0131\u011f\u0131n\u0131z paran\u0131n \u00e7ok \u00fczerinde.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Ayl\u0131k tasarruflar\u0131n\u0131z\u0131n veya yat\u0131r\u0131mlar\u0131n\u0131z\u0131n bile\u015fik faizle nas\u0131l b\u00fcy\u00fcd\u00fc\u011f\u00fcn\u00fc tahmin edin. Gelecekteki de\u011feri, toplam katk\u0131lar\u0131 ve kazan\u0131lan faizi g\u00f6rmek i\u00e7in ayl\u0131k katk\u0131 tutar\u0131n\u0131z\u0131, y\u0131ll\u0131k faiz oran\u0131n\u0131z\u0131 ve s\u00fcreyi 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":[49],"class_list":["post-715","post","type-post","status-publish","format-standard","hentry","category-finans","tag-envanter"],"acf":[],"_links":{"self":[{"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/posts\/715","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=715"}],"version-history":[{"count":2,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/posts\/715\/revisions"}],"predecessor-version":[{"id":3258,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/posts\/715\/revisions\/3258"}],"wp:attachment":[{"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/media?parent=715"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/categories?post=715"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/tags?post=715"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}