Savings calculator
Project savings growth after 税額 on 利息とinflation,〜see what the moneyはreally wor乗.です
Savings calculatorについて
Project savings growth after 税額 on 利息とinflation,〜see what the moneyはreally wor乗.です
SmartCalcyの「投資と貯蓄」セクションの一部です。アカウント不要でブラウザ上で動作し、お使いの通貨と単位（ページ上部で変更可）を使います。結果は参考用の目安なので、頼る前に公的な情報をご確認ください。
Savings calculatorの使い方
何を計算するか、いつ使うか
Projects how a savings account grows after 税額 on 利息とshows what the balanceはworth after inflation.です
使い方の手順
- Enter your 残高、毎月 頭金, 利息 利率、年.
- Add the tax rate on interest,またはleave it blank個でa tax-free account.
- Enter expected inflationとread the nominalとreal balance.
各入力項目の意味
- 利息 利率 (AER/APY) – The 毎年 利率 after compounding.
- 税額 on 利息 – Applied〜the interest as itはearned.です
- Inflation – Used〜変換方向 the 残高 into today’s money.
結果の読み方
- Savings after 税額 – The final 残高.
- In today’s money – The 残高 deflated by inflation.
- Real 毎年 return – 利率 after 税額とinflation.
計算式
Net 利率 = 利率 × (1 − 税額). 毎月 利率 = (1 + net)^(1 ÷ 12) − 1. 残高 = PV × (1 + m)^n + 頭金 × ((1 + m)^n − 1) ÷ m. Real return = (1 + net) ÷ (1 + inflation) − 1.
計算例
5,000 plus 250 a month at 4.2%個で10 years with 2.5% inflation grows〜44,594 with 35,000 paid in. In today’s money thatは34,836,ですとthe real returnは1.66%.です
前提と限界
- Rates stay fixed, which savings rates rarely 操作.
- 利息はtaxed as earned, which simplifies allowances such as the UK Personal Savings Allowance.です
よくある間違い
- real terms.のIgnoring inflation when judging whether your savings are growing
よくある質問
WhatはAER?です
The annual equivalent 利率: the 毎年 利率 including compounding. Itはthe US.のthe same idea as APYです
関連ツール
詳細
- 合計deposits
- £35,000.00
- 利息 after 税額
- £9,593.56
- In today’s money
- £34,836.42after 2.5% inflation
- Real 毎年 return
- 1.66%after 税額とinflation
年ごとの推移
| 年 | Deposits | 残高 | In today’s money |
|---|---|---|---|
| 1 | £3,000 | £8,267 | £8,066 |
| 2 | £6,000 | £11,672 | £11,109 |
| 3 | £9,000 | £15,219 | £14,133 |
| 4 | £12,000 | £18,916 | £17,137 |
| 5 | £15,000 | £22,768 | £20,123 |
| 6 | £18,000 | £26,781 | £23,093 |
| 7 | £21,000 | £30,963 | £26,048 |
| 8 | £24,000 | £35,321 | £28,990 |
| 9 | £27,000 | £39,862 | £31,919 |
| 10 | £30,000 | £44,594 | £34,836 |