Kalkulator tabungan
Proyeksi pertumbuhan tabungan sawise pajak bunga lan inflasi, supaya ngerti regane dhuwit sejatine.
Babagan Kalkulator tabungan
Proyeksi pertumbuhan tabungan sawise pajak bunga lan inflasi, supaya ngerti regane dhuwit sejatine.
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Carane nganggo Kalkulator tabungan
Apa sing dietung lan kapan nganggo
Mbatang tuwuhe rekening tabungan sawise pajak bunga lan nuduhake regane saldo sawise inflasi.
Carane nganggo, langkah demi langkah
- Lebokna saldo, setoran saben sasi, suku bunga lan taun.
- Tambahna tarif pajak bunga, utawa kosongake kanggo rekening bebas pajak.
- Lebokna inflasi sing dikarepake lan waca saldo nominal lan nyata.
Tegese saben input
- Bunga tarif (AER/APY) – The Saben taun tarif Sawise compounding.
- Pajak on Bunga – Applied nganti the interest as it yaiku earned.
- Inflation – Used nganti Konversi the Saldo into today’s money.
Carane maca asile
- Savings Sawise pajak – The final Saldo.
- In today’s money – The Saldo deflated by inflation.
- Real Saben taun return – Tarif Sawise pajak lan inflation.
Rumus
Net rate = rate × (1 − tax). Monthly rate = (1 + net)^(1 ÷ 12) − 1. Balance = PV × (1 + m)^n + deposit × ((1 + m)^n − 1) ÷ m. Real return = (1 + net) ÷ (1 + inflation) − 1.
Conto petungan
5,000 plus 250 a month at 4.2% for 10 years with 2.5% inflation grows to 44,594 with 35,000 paid in. In today’s money that is 34,836, and the real return is 1.66%.
Asumsi lan watesan
- Rates stay fixed, which savings rates rarely do.
- Interest is taxed as earned, which simplifies allowances such as the UK Personal Savings Allowance.
Kesalahan umum
- Ignoring inflation when judging whether your savings are growing in real terms.
Pitakonan sing kerep ditakokake
Apa iku AER?
Annual equivalent rate: suku bunga saben taun kalebu pemajemukan. Gagasane padha karo APY ing AS.
Piranti sing gegandhengan
Rincian
- Total deposits
- £35,000.00
- Bunga Sawise pajak
- £9,593.56
- In today’s money
- £34,836.42Sawise 2.5% inflation
- Real Saben taun return
- 1.66%Sawise pajak lan inflation
Saben taun
| Taun | Deposits | Saldo | 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 |