ما ربحه مالك فعلا، بعد التضخم

في اقتصاد مرتفع التضخم يبدو كل استثمار رابحا بالليرة الاسمية. تعيد هذه الحاسبة تشغيل استثمارك عبر السلاسل الشهرية الفعلية لأسعار الصرف والذهب والمؤشر وعوائد الودائع وأسعار المستهلك، ثم تخبرك إن كان قد تفوق على التضخم أم بدا كذلك فحسب.

المدخلات

TRY

Verified 22 Aug 2026TCMB وTUIK وسلاسل السوق المدرجة أدناه

النتيجة

-36.0%العائد الحقيقي بعد التضخم
₺353,281
ما آل إليه المبلغ بالليرة
₺551,830
المطلوب لمجاراة التضخم فقط
+253.3%
العائد الاسمي بالليرة
-0.0%
العائد بالدولار الأمريكي
القوة الشرائية المفقودة: 36.0%ارتفع الرقم بالليرة، لكن الأسعار ارتفعت أسرع. هذا المال يشتري أقل مما كان يشتريه في 2022-01.
2022-012022-082023-032023-102024-052024-122025-072026-02
استثمارك: ₺353,281وتيرة التضخم: ₺551,830

عندما يقع الخط المتصل تحت الخط المتقطع، يكون الاستثمار خاسرا أمام التضخم حتى مع ارتفاع الرقم بالليرة.

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Methodology and sources

Price instruments (dollars, gram gold, BIST 100) are bought at the start-month value and marked at each later month. Deposits compound monthly at the weighted average rate for TRY deposits up to one year, net of the withholding in force in each period (the up-to-six-month bracket applied per period: 5% before May 2024, then 7.5%, 10%, 15%, and 17.5% since July 2025, extended through end-2026; currently 17.5%). The real return deflates the outcome by the CPI index between the two months; the dollar-terms return converts at the start and end month rates.

  • TCMB daily indicative FX bulletins: https://www.tcmb.gov.tr/kurlar/ (XML archive, USD ForexSelling)
  • LBMA Gold Price PM fix official archive: https://prices.lbma.org.uk/json/gold_pm.json
  • Yahoo Finance XU100.IS daily history (BIST 100 close): https://query1.finance.yahoo.com/v8/finance/chart/XU100.IS
  • TUIK TUFE 2003=100 index table (republished): https://www.hakedis.org/endeksler/tuketici-fiyat-genel-endeksi-ve-degisim-oranlari-2003
  • TUIK TUFE 2025=100 index table (for 2026 chaining): https://www.hakedis.org/endeksler/tuketici-fiyat-genel-endeksi-ve-degisim-oranlari-2025
  • TCMB EVDS series TP.TRY.MT04, data group bie_mt100h (Interest Rates on Deposits, Weekly Flow, Weighted Average): https://www.tcmb.gov.tr/wps/wcm/connect/EN/TCMB+EN/Main+Menu/Statistics/Interest+Rate+Statistics/Weekly/Interest+Rates+on+Deposits+Weekly+Flow/ via https://evds3.tcmb.gov.tr
  • Deposit withholding tax (stopaj), current regime and extension to 2026-12-31 (CBK 10041 and 11444): https://www.yontemymm.com.tr/mali-aciklamalar/2026-041-tl-mevduat-hesaplarinda-uygulanan-stopaj-oranlarinin-suresi-uzatildi and https://www.grantthornton.com.tr/vergi-sirkuleri/2025-vergi-sirkuleri/mevduat-faizi-ve-yatirim-fonlarinda-stopaj-artisi/
  • Deposit withholding tax (stopaj), 2024-2025 decree timeline (CBK 8434, 8775, 9075, 9487): https://www.pwc.com.tr/tr/sektorler/bankacilik-sermaye-piyasalari/bultenler/2024/gvk-gecici-67nci-madde-uyarinca-uygulanan-stopaj-oranlarinda-degisiklikler1.html and https://t24.com.tr/yazarlar/murat-bati/haram-faizin-stopajli-vergisi,50665

Historical information only. How these instruments performed says nothing about how they will perform, and nothing here is investment advice.