Real Return Calculator — Mehngai Ke Baad Asli Return
FD 7% de rahi hai, mehngai 6% hai. To aapka paisa 1% badha? Lagbhag — par hisaab thoda alag hai. Neeche apna return aur mehngai daaliye, asli number saamne aa jayega.
Ghatane se nahi, bhaag dene se nikalta hai
Zyadatar log return me se mehngai ghata dete hain. Ye mota anuman theek hai, par sahi formula thoda alag hai:
8% return, 6% mehngai par:
- Mota tarika: 8 − 6 = 2%
- Sahi tarika: (1.08 ÷ 1.06 − 1) × 100 = 1.89%
Chhota farak lagta hai, par lambe samay me ye bada ho jaata hai. 20 saal me 1.89% aur 2% ke beech hazaaron ka antar aata hai. Aur jab mehngai zyada ho, farak aur badhta hai.
Yahan asli baat number nahi, soch hai — aapka paisa tabhi badha jab wo mehngai se aage nikla. Warna wo sirf kaagaz par bada dikh raha hai.
Alag-alag jagah ka asli return
6% mehngai maankar (jo Bharat ka aam anuman hai):
| Kahan | Return | Asli return |
|---|---|---|
| Savings khaata | 3% | −2.8% |
| FD | 7% | +0.9% |
| PPF | 7.1% | +1.0% |
| Debt fund | 7.5% | +1.4% |
| Sona (lamba samay) | ~9% | +2.8% |
| Equity fund (lamba samay) | ~12% | +5.7% |
Aur ye bhi saaf ho jaata hai ki lambe samay ke liye sirf FD kaafi kyun nahi hai. 1% asli return par 20 saal me paisa lagbhag 22% badhta hai. Utne me hi bacche ki fees kai guna ho chuki hoti hai.
Tax jodne par tasveer aur badal jaati hai
Asli hisaab me ek kadam aur hai — tax. Kyunki jo return aapko milta hai, us par tax lagta hai, aur mehngai bache hue paise par lagti hai.
Ek misaal — 30% slab wala aadmi, 7% FD, 6% mehngai:
- FD ka return: 7%
- Tax ke baad: 7 × 0.70 = 4.9%
- Mehngai ke baad asli: lagbhag −1.0%
Isi liye tax bharne walon ke liye PPF (jahan byaj par tax nahi) aur equity (jahan tax ke niyam alag hain) zyada mayne rakhte hain. Aur isi liye slab ke hisaab se nivesh chunna zaroori hai, sirf byaj dar dekhkar nahi.
Apna slab dekhne ke liye Income Tax Calculator aur Old vs New Regime Calculator dekhiye.
Isse faisle kaise lein
Real return ka number teen jagah seedha kaam aata hai:
- Retirement ka lakshya — 25 saal ka hisaab lagate waqt asli return hi sahi jawab dega. Nominal 12% par hisaab lagane se lakshya bahut chhota nikalta hai, aur baad me kam pad jaata hai.
- Kahan kitna rakhna hai — jo paisa 3 saal me chahiye, wahan asli return zero bhi chalega, kyunki surakshaa zaroori hai. Jo paisa 15 saal ke liye hai, wahan asli return se kam par samjhauta mat kijiye.
- Bujurgon ka paisa — ye sabse najuk maamla hai. Poora paisa FD me rakhne se har saal keemat ghatti hai, par risk lena bhi theek nahi. Aam salah ye hoti hai ki kuch hissa aisi jagah ho jo mehngai se ladta ho — par ye har parivaar ki sthiti par nirbhar hai.
Mehngai ka poora asar Inflation Impact Calculator me aur retirement ka lakshya Retirement Calculator me dekhiye.
Aksar pooche jaane wale sawaal
Real return kaise nikalta hai?
(1 + return) ÷ (1 + mehngai) − 1, phir 100 se guna. Seedha ghata dena mota anuman hai — lambe samay me dono me antar aa jaata hai.
FD ka real return kya hota hai?
7% FD aur 6% mehngai par lagbhag +0.9%. Par 30% slab wale ke liye tax ke baad ye minus me chala jaata hai — yaani paisa asal me ghat raha hota hai.
Savings khaate me paisa rakhna nuksan hai?
Emergency fund se zyada rakhna nuksan hai. 3% par mehngai ke baad asli return lagbhag −2.8% baithta hai — paisa dikhne me surakshit hai par keemat kho raha hai.
Mehngai kitni maanein?
Aam kharche ke liye 6% theek hai. Par agar bada hissa school fees aur ilaaj me jaata hai to 8-9% daaliye — wo aapke liye zyada sach hoga.