Savings calculator
Project savings growth after 税款 on 利息 和 inflation, 至 see what the money 是 第 really wor 次.
关于Savings calculator
Project savings growth after 税款 on 利息 和 inflation, 至 see what the money 是 第 really wor 次.
属于 SmartCalcy“投资与储蓄”板块。它在你的浏览器中运行，无需账号，使用你自己的货币和单位（可在页面顶部更改），所给结果仅为估算、仅供参考，因此在依赖结果之前请查阅官方指引。
如何使用Savings calculator
它计算什么，何时使用
Projects how a savings account grows after 税款 on 利息 和 shows what the balance 是 worth after inflation.
使用步骤
- Enter your 余额、每月 首付, 利息 利率、年.
- Add the tax rate on interest, 或 leave it blank件a tax-free account.
- Enter expected inflation 和 read the nominal 和 real balance.
各输入项的含义
- 利息 利率 (AER/APY) – The 每年 利率 after compounding.
- 税款 on 利息 – Applied 至 the interest as it 是 earned.
- Inflation – Used 至 转换 the 余额 into today’s money.
如何阅读结果
- Savings after 税款 – The final 余额.
- In today’s money – The 余额 deflated by inflation.
- Real 每年 return – 利率 after 税款 和 inflation.
公式
Net 利率 = 利率 × (1 − 税款). 每月 利率 = (1 + net)^(1 ÷ 12) − 1. 余额 = PV × (1 + m)^n + 首付 × ((1 + m)^n − 1) ÷ m. Real return = (1 + net) ÷ (1 + inflation) − 1.
计算示例
5,000 plus 250 a month 以 4.2%件10 years with 2.5% inflation grows 至 44,594 with 35,000 paid in. In today’s money that 是 34,836, 和 the real return 是 1.66%.
假设与局限
- Rates stay fixed, which savings rates rarely 操作.
- 利息 是 taxed as earned, which simplifies allowances such as the UK Personal Savings Allowance.
常见错误
- real terms. 的 Ignoring inflation when judging whether your savings are growing
常见问题
What 是 AER?
The annual equivalent 利率: the 每年 利率 including compounding. It 是 the US. 的 the same idea as APY
相关工具
详情
- 总计 deposits
- £35,000.00
- 利息 after 税款
- £9,593.56
- In today’s money
- £34,836.42after 2.5% inflation
- Real 每年 return
- 1.66%after 税款 和 inflation
逐年明细
| 年份 | Deposits | 余额 | 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 |