{"id":73,"date":"2026-10-03T11:23:16","date_gmt":"2026-10-03T10:23:16","guid":{"rendered":"https:\/\/wpcalc.com\/tr\/rente-uc-aylik-odemeler\/"},"modified":"2026-10-03T11:23:16","modified_gmt":"2026-10-03T10:23:16","slug":"rente-uc-aylik-odemeler","status":"publish","type":"post","link":"https:\/\/wpcalc.com\/tr\/finans\/rente-uc-aylik-odemeler\/","title":{"rendered":"Rente \u00dc\u00e7 Ayl\u0131k \u00d6demeleri Hesaplay\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\">\u00dc\u00e7 Ayl\u0131k Rente \u00d6demesi De\u011fer Hesaplay\u0131c\u0131s\u0131<\/h2><\/div><div class=\"calcdash-favorite group\">\n  <button type=\"button\" class=\"favorite\" id=\"favorite\" data-favorite-id=\"73\" data-favorite-title=\"Rente \u00dc\u00e7 Ayl\u0131k \u00d6demeleri\" data-favorite-url=\"https:\/\/wpcalc.com\/tr\/finans\/rente-uc-aylik-odemeler\/\" data-favorite-excerpt=\"Bu hesaplay\u0131c\u0131, \u00f6deme tarihleri ile bile\u015fik faiz d\u00f6nemlerinin \u00f6rt\u00fc\u015fmedi\u011fi durumlarda, \u00fc\u00e7 ayl\u0131k mevduatlardan olu\u015fan bir rentenin de\u011ferini bulur; her \u00f6demeye yat\u0131r\u0131mda kald\u0131\u011f\u0131 s\u00fcre i\u00e7in kredi vermek \u00fczere kesirli \u00fcsler kullan\u0131r. \u00dc\u00e7 ayl\u0131k mevduat tutar\u0131n\u0131, \u00fc\u00e7 ayl\u0131k faiz oran\u0131n\u0131 ve \u00e7eyrek say\u0131s\u0131n\u0131 girin.\" aria-label=\"Favorilere ekle\" data-favorite-icon=\"icon icon-investment\">\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\/rente-uc-aylik-odemeler\/\" method=\"POST\" class=\"calculator\" id=\"calculator-73\" data-post=\"73\"><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\">\u00dc\u00e7 ayl\u0131k yat\u0131r\u0131m tutar\u0131<\/label><div class=\"term\">D<\/div>  <div class=\"absolute bottom-0 left-16 top-8 w-2 h-0.5 bg-blue-500\"><\/div><input type=\"text\" name=\"_aylk_yatrm_tutar\" id=\"field-1\" aria-describedby=\"calc-unit-1 calc-info-1\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"1000\"\/><div class=\"unit\" id=\"calc-unit-1\">$<\/div><small id=\"calc-info-1\">Her \u00fc\u00e7 ayda bir yat\u0131r\u0131lan tutar\u0131 girin<\/small><\/div><div class=\"field has-term\" id=\"input-2\"><label for=\"field-2\">\u00dc\u00e7 ayl\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=\"_aylk_faiz_oran\" id=\"field-2\" aria-describedby=\"calc-unit-2 calc-info-2\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"2\"\/><div class=\"unit\" id=\"calc-unit-2\">%<\/div><small id=\"calc-info-2\">\u00dc\u00e7 aya d\u00fc\u015f\u00fck faiz oran\u0131n\u0131 y\u00fczde olarak girin<\/small><\/div><div class=\"field has-term\" id=\"input-3\"><label for=\"field-3\">\u00dc\u00e7 ayl\u0131k d\u00f6nem 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=\"_aylk_dnem_says\" id=\"field-3\" aria-describedby=\"calc-info-3\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"1\" value=\"12\"\/><small id=\"calc-info-3\">\u00dc\u00e7 ayl\u0131k d\u00f6nem say\u0131s\u0131n\u0131 girin<\/small><\/div><\/fieldset><div class=\"buttons\"><button type=\"submit\" data-text=\"Yeniden hesapla\" id=\"calculate-button\" data-post=\"73\">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>An\u00fcite 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><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=\"73\" 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>Rente \u00dc\u00e7 Ayl\u0131k \u00d6demeleri 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\\[ A = D \\times \\left[ (1 + r)^{2\/3} + (1 + r)^{1\/3} + 1 \\right] \\times (1 + r)^n \\]\n<\/div>\r\n\t<\/figure>\r\n\t<\/p>\n<p><strong>Burada:<\/strong><\/p>\n<ul>\n<li>\\(A\\) \u2014 rente de\u011feri, dolar cinsinden birikmi\u015f tutar<\/li>\n<li>\\(D\\) \u2014 \u00fc\u00e7 ayl\u0131k mevduat (her \u00e7eyrekte \u00f6denen tutar)<\/li>\n<li>\\(r\\) \u2014 ondal\u0131k olarak ifade edilen \u00fc\u00e7 ayl\u0131k faiz oran\u0131 (\u00f6rn. 2% = 0,02)<\/li>\n<li>\\(n\\) \u2014 \u00e7eyrek say\u0131s\u0131<\/li>\n<\/ul>\n<p>Bu form\u00fcl \u00f6nce \u00fc\u00e7 e\u015fit aral\u0131kl\u0131 mevduat\u0131 tek bir bile\u015fik faiz d\u00f6neminin sonuna kadar biriktirir. Her \u00f6deme, yaln\u0131zca \u00f6deme yap\u0131ld\u0131ktan sonra d\u00f6nemin kalan k\u0131sm\u0131 boyunca bile\u015fik faiz kazan\u0131r; \u00fcslerin \\(2\/3\\), \\(1\/3\\) ve \\(0\\) olmas\u0131n\u0131n nedeni budur. Elde edilen toplu de\u011fer daha sonra \\(n\\) \u00e7eyrek boyunca \\(r\\) \u00fc\u00e7 ayl\u0131k oran\u0131yla ileriye do\u011fru bile\u015fiklenir.<\/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>Rente \u00dc\u00e7 Ayl\u0131k \u00d6demeleri \u2013 Hesaplama \u00d6rne\u011fi<\/h2><\/div>\r\n\r\n<\/p>\n<p><strong>\u00d6rnek:<\/strong> \u00e7eyrekte %2 faiz \u00f6deyen bir hesaba her \u00e7eyrek 1.000 $ yat\u0131rd\u0131n\u0131z ve 12 \u00e7eyrek sonraki de\u011feri \u00f6\u011frenmek istiyorsunuz.<\/p>\n<p>\\[ A = 1000 \\times \\left[ (1.02)^{2\/3} + (1.02)^{1\/3} + 1 \\right] \\times (1.02)^{12} \\]<\/p>\n<p>\\[ (1.02)^{1\/3} \\approx 1.00662, \\quad (1.02)^{2\/3} \\approx 1.01329, \\quad (1.02)^{12} \\approx 1.26824 \\]<\/p>\n<p>\\[ A = 1000 \\times 3.01991 \\times 1.26824 \\approx 3{,}829.98 \\]<\/p>\n<p><strong>Sonu\u00e7:<\/strong> rente de\u011feri yakla\u015f\u0131k olarak <strong>3.829,98 $<\/strong> eder.<\/p>\n<p>\n\r\n<\/section>\n<h2>Hesaplay\u0131c\u0131 nas\u0131l kullan\u0131l\u0131r<\/h2>\n<ol>\n<li><strong>\u00dc\u00e7 ayl\u0131k mevduat<\/strong> tutar\u0131n\u0131 girin \u2014 her \u00e7eyrek yat\u0131r\u0131lan dolar tutar\u0131 (varsay\u0131lan: 1.000 $).<\/li>\n<li><strong>\u00dc\u00e7 ayl\u0131k faiz oran\u0131n\u0131<\/strong> <em>\u00e7eyrek ba\u015f\u0131na<\/em> y\u00fczde olarak, y\u0131ll\u0131k de\u011fil, girin. \u00d6rne\u011fin \u00e7eyrekte %2 i\u00e7in 2 girin. Gerekirse ondal\u0131kl\u0131 de\u011ferler kullan\u0131n, \u00f6rne\u011fin 1,75.<\/li>\n<li><strong>\u00c7eyrek say\u0131s\u0131n\u0131<\/strong> girin \u2014 vadenin \u00e7eyrek cinsinden toplam uzunlu\u011fu (12 \u00e7eyrek = 3 y\u0131l).<\/li>\n<li><strong>Rente de\u011ferini<\/strong> okuyun \u2014 vade sonunda dolar cinsinden birikmi\u015f tutar.<\/li>\n<\/ol>\n<h2>\u00dc\u00e7 ayl\u0131k rente de\u011feri ne anlama gelir<\/h2>\n<p>Rente, d\u00fczenli aral\u0131klarla yap\u0131lan e\u015fit \u00f6demeler dizisidir. \u00d6demeler \u00fc\u00e7 ayl\u0131k yap\u0131ld\u0131\u011f\u0131nda pratik bir sorun ortaya \u00e7\u0131kar: \u00f6deme tarihleri nadiren faizin fiilen i\u015flemeye ba\u015flad\u0131\u011f\u0131 tarihlerle \u00e7ak\u0131\u015f\u0131r. Bile\u015fik faiz d\u00f6neminin ortas\u0131nda yap\u0131lan bir mevduat\u0131n, t\u00fcm d\u00f6nem i\u00e7in de\u011fil, yaln\u0131zca d\u00f6nemin kalan k\u0131sm\u0131 i\u00e7in faiz kazanmas\u0131 gerekir.<\/p>\n<p>Form\u00fcldeki k\u00f6\u015feli parantez k\u0131sm\u0131 tam olarak bunu halleder. Tek bir bile\u015fik faiz d\u00f6nemi i\u00e7indeki \u00fc\u00e7 \u00f6demeyi, d\u00f6nemin \u00fc\u00e7te birinde, \u00fc\u00e7te ikisinde ve sonunda\u5230\u8fbe olarak ele al\u0131r. En erken yap\u0131lan \u00f6deme \\((1+r)^{2\/3}\\) ile de\u011ferlenir \u2014 \u00e7\u00fcnk\u00fc d\u00f6nemin \u00fc\u00e7te ikisi boyunca yat\u0131r\u0131mda kal\u0131r \u2014 ikincisi \\((1+r)^{1\/3}\\) ile, sonuncusu ise 1 \u00e7arpan\u0131yla de\u011ferlenir, \u00e7\u00fcnk\u00fc onun b\u00fcy\u00fcmesi i\u00e7in hi\u00e7 s\u00fcre kalmam\u0131\u015ft\u0131r. Ard\u0131ndan \\((1+r)^n\\) ile \u00e7arpmak, bu toplu de\u011feri \\(n\\) \u00e7eyre\u011fin tamam\u0131 boyunca ileriye ta\u015f\u0131r.<\/p>\n<p>\\(A\\) sonucu bir gelecek de\u011ferdir: bu varsay\u0131mlar alt\u0131nda vade sonunda elinizde olacak dolar tutar\u0131d\u0131r. Oran pozitif oldu\u011fu s\u00fcrece mevduatlar\u0131n basit toplam\u0131ndan b\u00fcy\u00fckt\u00fcr ve aradaki fark, oran ya da \u00e7eyrek say\u0131s\u0131 artt\u0131k\u00e7a geni\u015fler. \\(A\\)'y\u0131 yat\u0131r\u0131lan toplam nakitle kar\u015f\u0131la\u015ft\u0131rmak, nihai bakiyenin ne kadar\u0131n\u0131n kendi katk\u0131n\u0131zdan, ne kadar\u0131n\u0131n faizden geldi\u011fini g\u00f6sterir.<\/p>\n<p>Bu kesirli \u00fcs yakla\u015f\u0131m\u0131, her \u00f6demenin tam d\u00f6nemler boyunca bile\u015fiklendi\u011fini varsayan ola\u011fan rente form\u00fcl\u00fc \\(D \\times \\frac{(1+r)^n - 1}{r}\\) ile ayn\u0131 de\u011fildir. Mevduatlar\u0131n\u0131z bile\u015fik faiz tarihleriyle tam olarak \u00f6rt\u00fc\u015f\u00fcyorsa ve her d\u00f6nem devam ediyorsa, <a href=\"https:\/\/wpcalc.com\/tr\/finans\/anuite-gelecek-degeri\/\">Rentenin Gelecek De\u011feri hesaplay\u0131c\u0131s\u0131<\/a> daha uygun bir ara\u00e7t\u0131r. Ayl\u0131k \u00f6deme planlar\u0131 i\u00e7in <a href=\"https:\/\/wpcalc.com\/tr\/finans\/rente-aylik-odeme\/\">Ayl\u0131k Rente \u00d6demesi hesaplay\u0131c\u0131s\u0131na<\/a>, rentenin bug\u00fcnk\u00fc dolarlarla de\u011ferlendirilmesi i\u00e7in ise <a href=\"https:\/\/wpcalc.com\/tr\/finans\/annuite-bugunku-degeri\/\">Rentenin Bug\u00fcnk\u00fc De\u011feri hesaplay\u0131c\u0131s\u0131na<\/a> bak\u0131n.<\/p>\n<h2>Varsay\u0131mlar, s\u0131n\u0131rlamalar ve pratik ipu\u00e7lar\u0131<\/h2>\n<ul>\n<li><strong>Sabit girdiler.<\/strong> Form\u00fcl, mevduat tutar\u0131n\u0131n ve faiz oran\u0131n\u0131n vade boyunca hi\u00e7 de\u011fi\u015fmedi\u011fini varsayar. Artan mevduatlar veya de\u011fi\u015fken oranlar i\u00e7in her b\u00f6l\u00fcm\u00fc ayr\u0131 ayr\u0131 hesaplay\u0131p sonu\u00e7lar\u0131 birle\u015ftirin.<\/li>\n<li><strong>Oran \u00e7eyrek ba\u015f\u0131na olmal\u0131.<\/strong> Yaln\u0131zca y\u0131ll\u0131k oran biliyorsan\u0131z, \u00f6nce d\u00f6n\u00fc\u015ft\u00fcr\u00fcn. H\u0131zl\u0131 bir yakla\u015f\u0131m 4'e b\u00f6lmektir; kesin d\u00f6n\u00fc\u015f\u00fcm \\(r = (1 + i)^{1\/4} - 1\\) \u015feklindedir; burada \\(i\\) y\u0131ll\u0131k orand\u0131r. Farkl\u0131 esaslarda belirtilen oranlar\u0131 kar\u015f\u0131la\u015ft\u0131rmak i\u00e7in <a href=\"https:\/\/wpcalc.com\/tr\/finans\/etkin-yillik-getiri-orani\/\">Efektif Y\u0131ll\u0131k Getiri hesaplay\u0131c\u0131s\u0131<\/a> yard\u0131mc\u0131 olabilir.<\/li>\n<li><strong>Kesirli de\u011ferleme bir yakla\u015f\u0131md\u0131r.<\/strong> Ger\u00e7ek bankalar \u00e7o\u011fu zaman k\u0131sa d\u00f6nemler i\u00e7in basit faiz \u00f6der veya g\u00fcn say\u0131m\u0131n\u0131 farkl\u0131 yuvarlar; bu nedenle fiili bakiyeler hesaplanan de\u011ferden biraz sapabilir.<\/li>\n<li><strong>Form\u00fcl\u00fcn kapsam\u0131.<\/strong> K\u00f6\u015feli parantez, tek bir bile\u015fik faiz d\u00f6nemi i\u00e7inde yap\u0131lan \u00fc\u00e7 mevduat\u0131 biriktirir; sonraki d\u00f6nemlerde yeni mevduat eklemez. Vade boyunca her \u00e7eyrek mevduat yat\u0131rmaya devam etmeyi planl\u0131yorsan\u0131z, bunun yerine standart rente gelecek de\u011feri form\u00fcl\u00fcn\u00fc kullan\u0131n.<\/li>\n<li><strong>Vergi, \u00fccret ve enflasyon yok.<\/strong> Sonu\u00e7 itibari bir rakamd\u0131r. Ger\u00e7ek sat\u0131n alma g\u00fcc\u00fcn\u00fc tahmin etmek i\u00e7in beklenen enflasyona g\u00f6re indirin; ayr\u0131ca vergiye tabi bir hesapta faiz \u00fczerinden kesilecek verginin nihai tutar\u0131 d\u00fc\u015f\u00fcrece\u011fini unutmay\u0131n.<\/li>\n<li><strong>Zamanlama kural\u0131n\u0131 kontrol edin.<\/strong> Form\u00fcl \u00f6demeleri d\u00f6nemin sonunda veya sonuna yak\u0131n de\u011ferler. Mevduatlar\u0131n\u0131z her d\u00f6nemin ba\u015f\u0131nda yap\u0131l\u0131yorsa (pe\u015fin \u00f6demeli rente), her \u00f6deme bir d\u00f6nem ek faiz kazan\u0131r ve sonu\u00e7 daha y\u00fcksek olur \u2014 bkz. <a href=\"https:\/\/wpcalc.com\/tr\/finans\/pesin-odemeli-anuite-degeri\/\">Pe\u015fin \u00d6demeli Rente De\u011feri hesaplay\u0131c\u0131s\u0131<\/a>.<\/li>\n<\/ul>\n<p>Bile\u015fik faizin kendisinin nas\u0131l i\u015fledi\u011fi hakk\u0131nda arka plan i\u00e7in <a href=\"https:\/\/wpcalc.com\/tr\/finans\/bilesik-faiz\/\">Bile\u015fik Faiz hesaplay\u0131c\u0131s\u0131<\/a>, zaman i\u00e7inde faizin faiz kazanmas\u0131n\u0131n etkisini g\u00f6sterir.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Bu hesaplay\u0131c\u0131, \u00f6deme tarihleri ile bile\u015fik faiz d\u00f6nemlerinin \u00f6rt\u00fc\u015fmedi\u011fi durumlarda, \u00fc\u00e7 ayl\u0131k mevduatlardan olu\u015fan bir rentenin de\u011ferini bulur; her \u00f6demeye yat\u0131r\u0131mda kald\u0131\u011f\u0131 s\u00fcre i\u00e7in kredi vermek \u00fczere kesirli \u00fcsler kullan\u0131r. \u00dc\u00e7 ayl\u0131k mevduat tutar\u0131n\u0131, \u00fc\u00e7 ayl\u0131k faiz oran\u0131n\u0131 ve \u00e7eyrek say\u0131s\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":[50],"class_list":["post-73","post","type-post","status-publish","format-standard","hentry","category-finans","tag-yatirim"],"acf":[],"_links":{"self":[{"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/posts\/73","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=73"}],"version-history":[{"count":6,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/posts\/73\/revisions"}],"predecessor-version":[{"id":2658,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/posts\/73\/revisions\/2658"}],"wp:attachment":[{"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/media?parent=73"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/categories?post=73"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/tags?post=73"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}