Kalkulator simpanan
Unjurkan pertumbuhan simpanan selepas cukai atas faedah dan inflasi, untuk melihat nilai sebenar wang tersebut.
Tentang Kalkulator simpanan
Unjurkan pertumbuhan simpanan selepas cukai atas faedah dan inflasi, untuk melihat nilai sebenar wang tersebut.
Sebahagian daripada bahagian “Pelaburan & simpanan” SmartCalcy. Ia berjalan dalam pelayar anda tanpa akaun, menggunakan mata wang dan unit anda sendiri (tukarkannya di bahagian atas halaman), dan memberikan anggaran untuk makluman sahaja, jadi semak panduan rasmi sebelum anda bergantung pada sesuatu hasil.
Cara menggunakan Kalkulator simpanan
Apa yang dikira dan bila menggunakannya
Mengunjurkan pertumbuhan akaun simpanan selepas cukai atas faedah dan menunjukkan nilai baki selepas inflasi.
Cara menggunakannya, langkah demi langkah
- Masukkan baki, deposit bulanan, kadar faedah dan tahun anda.
- Tambah kadar cukai atas faedah, atau biarkan kosong bagi akaun bebas cukai.
- Masukkan jangkaan inflasi dan baca baki nominal dan baki benar.
Maksud setiap input
- Faedah kadar (AER/APY) – The Tahunan kadar Selepas compounding.
- Cukai on Faedah – Applied hingga the interest as it ialah earned.
- Inflation – Used hingga Tukar the Baki into today’s money.
Cara membaca hasil
- Savings Selepas cukai – The final Baki.
- In today’s money – The Baki deflated by inflation.
- Real Tahunan return – Kadar Selepas cukai dan inflation.
Formula
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.
Contoh pengiraan
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%.
Andaian dan had
- Rates stay fixed, which savings rates rarely do.
- Interest is taxed as earned, which simplifies allowances such as the UK Personal Savings Allowance.
Kesilapan biasa
- Ignoring inflation when judging whether your savings are growing in real terms.
Soalan lazim
Apakah AER?
Kadar setara tahunan (annual equivalent rate): kadar tahunan termasuk pengkompaunan. Ia idea yang sama dengan APY di AS.
Alat berkaitan
Butiran
- Jumlah deposits
- £35,000.00
- Faedah Selepas cukai
- £9,593.56
- In today’s money
- £34,836.42Selepas 2.5% inflation
- Real Tahunan return
- 1.66%Selepas cukai dan inflation
Tahun demi tahun
| Tahun | Deposits | Baki | 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 |