Sources
- CSGB / Asgari Ücret Tespit Komisyonu (2026 brüt/net)
- GİB gelir vergisi tarifesi 2026
- EPDK mesken elektrik kademeli tarife (yaklaşık)
- BOTAŞ / dağıtım şirketleri doğalgaz (yaklaşık)
- Hazine ve Maliye — kıdem tazminatı tavanı 1. dönem 2026
Savings Goal
Target, starting savings, time and a net-return assumption determine the monthly contribution. Returns are scenarios, not promises.
Zero-return baseline
Subtract current funds from the target and divide by remaining months. Starting at zero return prevents optimistic rate bias.
Run that case first in the savings-goal calculator, then add a cautious net yield.
If the deadline is flexible, also solve a fixed-contribution, variable-time case. Rigid end dates look fragile in low-cash months. Keep both sheets side by side.
Compounding scenarios
Compounding can lower required contributions, but rates change. Use low/mid/high cases. Link softly to deposit and compound tools — not advice.
Withholding, fund fees or account fees cut net yield. Planning on loud gross percentages understates required contributions. Bias net assumptions downward on purpose.
Moving targets
Home, tuition or car prices may rise. Refresh the goal every few months or add an inflation scenario.
Sustainable contributions
Automatic transfers beat leftover-cash hopes. Keep emergency savings separate so shocks do not raid the goal.
Raise contributions by a percentage when income rises. Protect a minimum floor during rent or loan shocks. Written rules beat improvisation.
Milestones
Split large goals into 25–50% checkpoints and recalculate. High assumed returns shrink contributions but raise miss risk.
Park milestone cash in separate envelopes or sub-accounts. Refresh each milestone for inflation so the final leap does not surprise you. Tools draft scenarios; habits deliver them.
Checklist
Write the target, balance, months, zero-return case, stress case and separate emergency fund. Informational only.
Short goals should assume near-zero return; longer goals may add a cautious positive case. Never call the goal complete while raiding the emergency fund.
Practical tips
- Solve zero return first.
- Use net after-tax rates.
- Review the goal quarterly with inflation in mind.
- Separate emergency cash.
- Automate monthly transfers.
FAQ
Is the return certain?
No. It is an assumption you enter. Stress-test lower and higher rates.
Include the emergency fund?
Better keep it separate so unexpected costs do not empty the goal jar.
Why start at zero return?
Optimistic yields can understate the contribution you truly need. Zero return shows the discipline baseline.
How does inflation matter?
If the goal’s price rises, today’s nominal target may be too small later.
Is this investment advice?
No. It is a cash-flow scenario helper only.