I-calculator ye-inflation ikhombisa kanjani inani lemali eliguqukayo
Imali ingavamile ukuhlala ilinani elifanayo isikhathi eside. Imali ebithenga isitsha esigcwele sokudla kuleminyaka eyishumi edlule ingase ithenge ingxenye nje yaleso sitsha namuhla. I-calculator ye-inflation ibamba lokhu kuguquka ngezinombolo ezicacile: ufaka isamba, unyaka wokuqala, kanye nezinga le-inflation, futhi ikutshela ukuthi leso samba sifanele siyini ngonyaka ohlukile lapho amanani entengo akhuphukayo esebala. Iguqula umuzwa ovagile wokuthi "izinto zibiza kakhulu manje" ibe yinombolo eqinisekile ongayiqhathanisa.
I-inflation iyini futhi kungani idla amandla okuthenga
I-inflation ukukhuphuka jikelele kwamanani entengo yezimpahla nezinsizakalo emnothweni ngokuhamba kwesikhathi. Ivamise ukulinganiswa ngesikali samanani njenge-Consumer Price Index, esilandelela izindleko zesitsha esimele izimpahla nezinsizakalo inyanga ngenyanga. Uma izinga lonke lamanani likhuphuka, iyunithi ngayinye yemali ithenga okuncane kunakuqala. Lokho kunciphisa kwalokho imali yakho engathenga khona ngempela kubizwa ngokulahlekelwa amandla okuthenga, futhi yiso isizathu esibaluleke kunazo zonke sokuthi kungani i-inflation ibaluleke kubantu abavamile abongayo.
Amandla okuthenga ayinani lemali elichazwa ngezinto zangempela: ukudla okungakanani, uphethiloli olungakanani, amahora emisebenzi yomuntu angakanani isamba esimisiwe esingasiyala. Uma amanani entengo ekhuphuka ngo-3 phesenti ngonyaka kanti imali yakho ihlala ingashintshi, leyo mali iyala cishe u-3 phesenti kancane kwezwe lokoqobo ekupheleni konyaka. Imali ibukeka ifana e-akhawuntini yakho, kodwa ngokuthula yenza umsebenzi omncane.
Inani le-nominal kanye nenani leqiniso, ngesibonelo esisebenzisiwe
Ukuze usebenzise i-calculator ye-inflation kahle, kusiza ukuhlukanisa imibono emibili. Inani le-nominal yisamba esibonakalayo esibhalwe kwimali: u-1000 ungu-1000. Inani leqiniso yilokho leso samba esingakuthenga ngempela, uma kulungiswe ngokuguquka kwamanani entengo. Amacalculator e-inflation axhumanisa lawa maqiniso amabili.
Ake sithi ubunge-1000 eminyakeni emihlanu edlule futhi isilinganiso se-inflation ngaleso sikhathi sasingu-4 phesenti ngonyaka. Amanani entengo ayahlangana, ngakho izinga lamanani ngemuva kweminyaka emihlanu lingu-1.04 elikhushulwe ngamandla ka-5, noma cishe amaphindwa ka-1.217. Ukuze uthenge lokho u-1000 obekukuthenga ngaleso sikhathi, manje udinga cishe u-1217. Guqula umbono uphambane futhi ubuchule obufanayo bukutshela ukuthi u-1000 wemali yanamuhla unamandla okuthenga eqiniso okungu-822 kuphela emananini entengo eminyaka emihlanu edlule. Inombolo ye-nominal ayizange ishintshe, kodwa inani leqiniso lehlile ngokubonakalayo.
I-inflation ehlanganisiwe isebenza kanjani
Isizathu sokuthi izinga eliphansi lonyaka lingazakhela igebe elikhulu ukuhlanganisa. Ukwenyuka kwamanani entengo konyaka ngamunye kusetshenziswa phezu kwesisekelo esiphakeme sonyaka odlule, hhayi phezu kwendawo yokuqala. Ku-4 phesenti, amanani entengo awakhuphuki ngo-20 phesenti emivimbeni emihlanu; akhuphuka ngo-21.7 phesenti ngoba unyaka ngamunye wakhelwa phezu kolwangaphambili. Esikhathini eside umphumela ukhula kakhulu. Ngo-3 phesenti oqinile, izinga lamanani liphindeka kabili cishe eminyakeni engu-24, okusho ukuthi imali eshiywe ingaphathwa ingalahlekelwa ingxenye yenani layo leqiniso ngesikhathi somsebenzi omunye. Lokhu yisibalo esifanayo esikhuphukayo esisiza izimali zokutshala ukukhula, kusebenza ngokuphambana.
Kungani imali engapathwa ilahlekelwa inani, futhi kuxhumana kanjani nozuzo nokutshala imali
Imali egcinwe ngaphansi komatilasi, noma i-akhawunti engakhokhi zuzo olubalulekile, ilahlekelwa inani leqiniso unyaka ngamunye i-inflation ikhona. Ngisho imali ezuzayo ingase isale ngemuva. Okubalulekile uzuzo lweqiniso: izinga lozuzo kususwe izinga le-inflation. Uma i-akhawunti yokonga ikhokha u-2 phesenti kanti i-inflation ihamba ngo-4 phesenti, ibhalansi ikhula ngamagama e-nominal kodwa incipha ngamandla okuthenga eqiniso ngo-2 phesenti. Ukuze nje ume ndawonye, izinga olizuzayo kufanele lilingane ne-inflation; ukukhulisa ingcebo yakho, kufanele iyihlule.
Yingakho i-inflation idudula abantu abaningi ukusuka ekongeni okumsulwa kuye ekutshaleni imali. Izimpahla eziye zavama ukudlula i-inflation esikhathini eside, ezinjenge amasheya ahlukahlukene ngokubanzi, ahlose ukukhiqiza uzuzo lweqiniso oluhle hhayi nje olu-nominal. Amathuluzi anezinga elimisiwe njengama-bond ejwayelekile namacertificate wesevisi angasala ngemuva kwe-inflation, ngoba izinkokhelo zawo zihlala zifanayo kanti izindleko zempilo ziyaqhubeka zikhuphuke. Ukuqhathanisa uzuzo olulindelwe lokutshala imali nesilinganiso se-inflation kungenye yezinto ezinosizo kakhulu umoqi angazenza, futhi kuhambisana kahle ne-calculator yozuzo oluhlanganisiwe ukuze ubone ukukhula nokudliwa ngasohlangothini olulodwa.
I-calculator ye-inflation ngeke ibikezele ikusasa, ngoba i-inflation yasezweni lokoqobo iyahlukahluka unyaka nonyaka futhi akekho owazi izinga kusengaphambili. Okuyikwenza kahle kakhulu ukwenza okwedlule nemicabango iqinisekile, ukuze uhlele ngamehlo acace. Zama amazinga nezikhathi ezimbalwa, bese uhlola konke amacalculator wonke ukuze udwebele elinye icala lesibalo. Leli khasi liwulwazi kuphela futhi akulona iseluleko sezimali.
Imibuzo evame ukubuzwa
I-calculator ye-inflation yenzani ngempela?
Iguqula isamba semali kusukela endaweni eyodwa yesikhathi iye kwenye ngokusebenzisa izinga le-inflation, ikhombisa isamba ozosidinga kamuva ukuze ugcine amandla okuthenga afanayo, noma inani elincane imali yanamuhla ebiyiyo emananini entengo asendulo.
Yini umehluko phakathi kwenani le-nominal nenani leqiniso?
Inani le-nominal yisamba esibonakalayo semali, esingashintshi. Inani leqiniso yilokho leso samba esingakuthenga ngempela uma kulungiswe ngokuguquka kwamanani. I-inflation yehlisa inani leqiniso kanti inombolo ye-nominal ihlala ingashintshi.
Kungani izinga elincane le-inflation libaluleke kangaka esikhathini eside?
Ngoba i-inflation iyahlangana. Ukukhuphuka kwamanani konyaka ngamunye kwakhelwa phezu kwesisekelo esesiphakeme, ngakho amazinga amancane onyaka aqoqana abe amagebe amakhulu. Cishe ku-3 phesenti, amanani entengo angaphindeka kabili cishe eminyakeni engu-24.
Ingabe ukuzuza uzuzo kuvikela okongiweyo kwe-inflation?
Kuphela uma izinga lozuzo liphakeme kunezinga le-inflation. Inombolo ebalulekile uzuzo lweqiniso, okuyizinga lozuzo kususwe i-inflation. Uma uzuzo lusala ngemuva kwe-inflation, ibhalansi yakho ikhula ephepheni kodwa ilahlekelwa amandla okuthenga eqiniso.
Kungani ukupatha imali kunengozi ngesikhathi se-inflation?
Imali engapathwa izuza okuncane noma lutho, ngakho i-inflation eqinile incisha ngokuqinile lokho engakuthenga. Imali ibukeka ifana e-akhawuntini yakho, kodwa unyaka ngamunye iyala izimpahla nezinsizakalo ezincane ezweni lokoqobo.
Ingabe i-calculator ye-inflation ingabikezela i-inflation yesikhathi esizayo?
Cha. I-inflation yesikhathi esizayo ayaziwa futhi iyashintsha unyaka nonyaka. I-calculator isebenzisa izinga olikhethile noma imininingwane yezomlando esikhathini esedlule. Kuwuthuluzi lokuhlela nokuqhathanisa, hhayi ukubikezela.