Kalkuluta ya inflation
Onani mmene kuwonjezeka kwa mtengo wa ndalama kumasintha mphamvu yogula ndi mtengo wa ndalama m’tsogolo panthawi ya nthawi.
Zithunzizi zimasintha monga momwe mumalemba.
Zachidule
Inflation erodes what money can buy: a fixed amount buys a little less each year. This calculator projects both the future cost of something priced today and the shrinking buying power of a fixed sum, using a constant annual inflation rate compounded over the period you choose.
It works both directions from the same rate. Future cost = amount × (1 + rate)^years, while future buying power = amount ÷ (1 + rate)^years. For example, at 3% inflation over 10 years, something that costs 1,000 today will cost about 1,344, and a 1,000 note kept under the mattress will buy only about 744 worth of today’s goods — a 25.6% loss of purchasing power even though the number on the note never changed.
Use it to see how prices creep up over a decade, to understand why cash loses value if it is not earning at least the inflation rate, or to translate an old price or salary into today’s money. For planning, enter the average rate you expect across the whole period rather than any single year’s figure.
Mafunso ofunsidwa nthawi zambiri
Kodi kafukufuku wa inflation umagwira ntchito bwanji?
Mtengo wa mtsogolo = ndalama × (1 + mtengo) ^ zaka, choncho chinachake chomwe chimawononga 1,000 lero chimawononga pafupifupi 1,344 pambuyo zaka 10 pa 3%. Kugula mphamvu ntchito m'njira ina: ndalama ÷ (1 + mtengo) ^ zaka, choncho 1,000 adzagula okha pafupifupi 744 mtengo wa zinthu za lero.
Kodi ndipeza bwanji kuchuluka kwa inflation komwe ndiyenera kugwiritsa ntchito?
Mutha kugwiritsa ntchito index ya mtengo wa wogula wa dziko lanu (CPI) - nthawi zambiri pafupifupi 2-3% panthawi yaitali kwa makampani otchuka. Kuti mupange, gwiritsani ntchito mtengo wopitilira muyeso womwe mumayembekezera panthawi yonseyi, osati chaka chimodzi chokha.
Kodi pali kusiyana kotani pakati pa inflation ndi kugulitsa mphamvu?
Zimafanana ndi zidutswa ziwiri za mchikwama chimodzi. Kukula kwa mtengo ndi momwe mtengo umakwera, kotero mtengo wa zinthu za mtsogolo umakwera; mphamvu yogula ndi momwe ndalama zokhazikika zimatha kugula, kotero zimatsika ndi chinthu chimodzi. Ngati mtengo umakwera 34%, ndalama zofanana zimagula pafupifupi 25% pang'ono.
Kodi ndingatani kuti nditeteze ndalama zanga pa inflation?
Kusunga ndalama pamene amapeza panthawi yokhayokha mtengo wa inflation — high-yield chitetezo, inflation-kugwirizana bonds, kapena zosiyanasiyana ndalama — kuposa ngati ndalama zosagwira. Zimene zikukhudza ndi wanu weniweni kuchira, kuchira wotchedwa minus inflation; ngati kuti ndi zoipa, inu mwamsanga kulephera kugulitsa mphamvu.
Kodi ndi chiyani chimatchedwa kuti kuchuluka kwa inflation?
Mabungwe ambiri a banki yayikulu yachuma yotchuka amafuna kuti ndalama ziwonjezeke pafupifupi 2% chaka chilichonse, ndipo nthawi zambiri zimafika 2-3%. Mtengo umatsika kwambiri pamene pali mavuto azachuma ndipo angakhudze (kuwononga ndalama) pamene zinthu zikuchepa.
Kodi mtengo wa zinthu udzadutsa bwanji pa mtengo wowonjezereka wa ndalama?
A quick estimate is the rule of 70: divide 70 by the inflation rate to get the years to double. At 3% a year prices double in roughly 23 years; at 7% in about 10. The calculator’s future-cost figure shows the exact multiple for your inputs.
API — kugwiritsa ntchito izi calculator kuchokera code
Kuti mudziwe zambiri, pitani ku www.json.org/json.html. Kuti mudziwe zambiri, pitani ku www.json.org/json.html. Chomweko chilichonse chimene mumasiya chimagwiritsa ntchito mfundo yoyamba yomweyi yomwe tsambali limagwiritsa ntchito; mfundo yosadziwika ndi 400, siyiyenera kukhala zero yosadziwika. Onani zonse API docs →
Chithunzi
GET https://calculator.free/api/v1/inflation/curl
curl "https://calculator.free/api/v1/inflation/?amount=1000&rate=3&years=10"JavaScript fetch()
const r = await fetch(
"https://calculator.free/api/v1/inflation/?" + new URLSearchParams({
"amount": "1000",
"rate": "3",
"years": "10"
}));
const data = await r.json();
console.log(data.results);Zimenezi ndi zowerengera zokhudzana ndi malangizo amtundu uliwonse, si zokhudzana ndi ndalama, zamoyo kapena zokhudzana ndi ndalama.