I-Calculator ye-Inflation
Bona ukuthinflation ishintsha kanjani amandla okuthenga kanye nezindleko zemali ezayo ngesikhathi.
Iziphetho zivuselelwa uma ubhala.
Malunga nale khadi
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 ebuzwa kaningi
Uhlelo lokulinganisa ukunyuka kwentengo lusebenza kanjani?
Izindleko zesikhathi esizayo = inani × (1 + inani) ^ iminyaka, ngakho into ebiza 1,000 namhlanje izindleko mayelana 1,344 ngemuva kweminyaka engu-10 ku-3%. Ukuthenga amandla umsebenzi indlela ehlukile: inani ÷ (1 + inani) ^ iminyaka, ngakho 1,000 kuphela ukuthenga mayelana 744 ngempela impahla namhlanje.
Ngitholaphi inani lokushintshana ukuze ngisebenzise?
Sebenzisa izwe lakho izindleko zomthengisi index (CPI) isithombe - njalo eduze 2-3% esikhathi eside ezimakethe ezithuthukisiwe. Ukwenza ucwaningo, faka umkhawulo ophakathi olindeleke phezu isikhathi esigcwele, hhayi unyaka owodwa spike.
Yini ushintsho phakathi kokunyuka kwentengo nokuzithenga?
Ziyingxenye ezimbili zemali eyodwa. Ukungalingani kwezimpahla kulapho amantengo enyuka khona, ngakho-ke izindleko zempahla ezayo zikhuphuka; amandla okuthenga kulapho inani eliqinile lithenga khona, ngakho-ke likhuphuka ngowomunye umthelela. Uma amantengo enyuka ngo-34%, imali efanayo ithenga cishe ama-25% aphansi.
Ngingayivikela kanjani imali yami ekubeni ikhokhwe ngemali eningi?
Ugcine imali lapho ithola khona isilinganiso sokwehla kwentengo—izimali eziphezulu, amabondeni ahlobene nokwehla kwentengo, noma ukutshala imali okuhlukahlukene—kungaba yimali engenayo engasebenzi. Okubalulekile wukubuyiswa kwakho okungokoqobo, ukubuyiselwa okubizwa ngokuthi ukulahlekelwa yintengo; uma lokhu kuyisici, ulahlekelwa amandla okuthenga.
Yini isilinganiso esijwayelekile sokwehla kwemali?
Iningi lezimali ezithuthukisiwe-ezomnotho amabhange aphakathi afuna ukufinyelela 2% ngonyaka, futhi inyanga-unyaka ophakathi avame ukuhlala eduze 2-3%. Amaphesenti aphezulu ngesikhathi ukuhlinzeka izimo eziphuthumayo futhi angaba negalelo (deflation) ekuphathweni, ngakho-ke sebenzisa inyanga-unyaka ophakathi uhlela iminyaka eminingana.
Ingabe amantengo azophindaphindwa kaningi uma kubhekwa inani lokushintshaniswa kwezimali?
Ukuhlolwa ngokushesha imithetho 70: hlukanisa 70 ngesilinganiso ukushintshaniswa imali ukuze uthole iminyaka ukudubula. Ku-3% ngonyaka izindleko uphinde uphinde eminyakeni engaphezu kuka-23; ku-7% cishe 10. I-calculator’s future-cost figure ibonisa ngempela multiple for your inputs.
API — sebenzisa le calculator kusuka kukhodi
Nquma le calculator njenge JSON evulekile yendawo yokuqeda - akukho isithonjana esidingekayo. Thumela amaxabiso endawo ngezansi njengezilungiselelo zombuzo noma i-JSON. Noma yini ongayishiya isebenzisa iphutha elifanayo elifakwe ngaphambili lekhasi; ipharamitha engaziwa yi-400, ayikho i-zero emnyama. Funda i-API egcwele →
Ingxenye yendawo
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);Izibalo ziyisilinganiso esisetshenziswa ukuqondisa kuphela, hhayi ukucebisa ngezimali, ukwelashwa noma ukukhokha.