I-Calculator ye-Inflation
Bona ukuba uxinzelelo lwexabiso lutshintsha njani amandla okuthenga kunye nexabiso elizayo lemali ngexesha.
Iinketho ze projekti
Malunga nale Calculator
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.
Imibuzo ebuza rhoqo
Ubalo lwexabiso lokukhula kwexabiso lusebenza njani?
Ixabiso elizayo = inani × (1 + umyinge) ^ iminyaka, ngoko into ebiza i-1,000 namhlanje ibiza malunga ne-1,344 emva kweminyaka eli-10 kwi-3%. Umandla wokuthengiswa usebenza ngendlela enye: inani ÷ (1 + umyinge) ^ iminyaka, ngoko 1,000 iza kuthengiswa kuphela malunga ne-744 elinganayo yezinto namhlanje.
Ndiyifumana phi i-inflation rate ekufuneka ndiyisebenzise?
Sebenzisa isalathisi sexabiso lomthengi (CPI) selizwe lakho – esihlala simalunga ne-2-3% kwixesha elide kwizibonelelo eziphuhlisiweyo. Ukwenza ucwangciso, ufake umyinge ophakathi olindeleke ukuba uqhubeke uqhubeka nawo, hayi unyaka omnye ophezulu.
Yintoni utshintsho phakathi koxinzelelo lwexabiso kunye nomandla okuthenga?
Ziinxalenye ezimbini zemali encinci. Ukunyuka kwexabiso lixabiso elinyukayo, ngoko ke ixabiso lezinto eziya kuthengiswa kwixesha elizayo linyuka; amandla okuthenga lixabiso elinyukayo lemali ethe nkqo enokuthi ithengiswe, ngoko ke iphantsi ngesizathu esifanayo. Ukuba ixabiso linyuka ngo-34%, imali efanayo ithenga malunga ne-25% ngaphantsi.
Ndiyikhusela njani imali yam ekubeni ithengise ngaphantsi kwexabiso?
Gcina imali apho ifumana khona ixabiso lexabiso elinyukayo—iingxowa-mali eziphezulu, iibhanki ezidityaniswe nexabiso elinyukayo, okanye urhwebo olunodidi oluninzi—kunokuba yimali engenayo engasebenziyo. Okubalulekileyo kukubuya kwakho okunyanisekileyo, ubuya osemthethweni ophantsi kwexabiso elinyukayo; ukuba oku kubi, ulahlekelwa ngumandla wakho wokuthenga.
Yintoni umyinge wenzala oqhelekileyo?
Iibhanki ezininzi eziphambili zezoqoqosho eziphuhlisiweyo zijolise kwi-2% ngonyaka, kwaye amaxabiso aphakathi ahlala ejikeleze i-2-3%. Amaxabiso anyuka xa kusenzeka uxinzelelo lonikezelo kwaye angaba negalelo (ukunyuka kwexabiso) xa kusenzeka ukuwa, ngoko ke sebenzisa amaxabiso aphakathi aphakathi ukucwangcisa iminyaka emininzi.
Ingaba ixabiso liphindwe kabini ngexabiso elinikezelweyo loxinzelelo lwemali?
Ubalo olukhawulezayo luyimithetho ye-70: yahlula i-70 ngexabiso lonyuka kwexabiso ukuze ugcine iminyaka iphindaphindwa. Kwi-3% ngonyaka, ixabiso liphindaphindwa kwiminyaka engaphezu kwe-23; kwi-7% kwiminyaka engaphezu kwe-10. Ubalo lwexabiso elizayo le-calculator lubonisa ukuphindaphinda okuchanekileyo kwezinto ozifakayo.
API — sebenzisa le calculator ukusuka kwikhowudi
Nceda le khadi lemali njengendawo esemva ye-JSON ekhululekileyo - akukho qhosha lifunekayo. Thumela amaxabiso endawo ezantsi njengeparameter yombuzo okanye i-JSON. Nantoni na oyenzayo isebenzisa okungagqibekanga okufanayo eli phepha ligqityiwe ngaphambili; iparameter engaziwayo yi 400, ayikho i zero ekhululekileyo. Funda i-API epheleleyo →
Incopho yesiphelo
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);Results are estimates for general guidance only, not financial, medical or tax advice.