Учебная модель: гипотетические ставки, не инвестиционный совет.
Это не финансовая рекомендация. Проверяйте местные лимиты и налоги.
Галерея сценариев
Учебные пресеты — загрузите и подкрутите. Не прогнозы.
Прибор роста
Закреплённые рычаги + живая кривая — учебная модель, не совет.
Номинальный vs реальный рост
- Nominal balance428 336
- Real (inflation-adj.)255 057
- Total contributions108 000
- Rule of 72 doubling years10.3
Nominal balance
Real (inflation-adj.)
Total contributions
Stsenariy A / B
Dve zhizni na odnom grafike — menyayte odin rychag za raz.
Nominal A vs B
Poisk let do tseli
Reshit gody do tselevogo balansa (uchebnaya model, ne sovet).
Pechatnaya tablitsa po godam
Uchebnaya tablitsa po godam iz rychagov vyshe. Ne grafik kredita i ne sovet.
| God | Start | Vneseno | Chistyy rost | Konets (nominal) | Konets (real) |
|---|---|---|---|---|---|
| 1 | 10 000 | 3 600 | 816 | 14 416 | 14 102 |
| 2 | 14 416 | 3 600 | 1 126 | 19 142 | 18 383 |
| 3 | 19 142 | 3 600 | 1 457 | 24 199 | 22 851 |
| 4 | 24 199 | 3 600 | 1 812 | 29 611 | 27 515 |
| 5 | 29 611 | 3 600 | 2 192 | 35 403 | 32 384 |
| 6 | 35 403 | 3 600 | 2 598 | 41 601 | 37 465 |
| 7 | 41 601 | 3 600 | 3 033 | 48 234 | 42 769 |
| 8 | 48 234 | 3 600 | 3 498 | 55 333 | 48 304 |
| 9 | 55 333 | 3 600 | 3 996 | 62 929 | 54 082 |
| 10 | 62 929 | 3 600 | 4 529 | 71 059 | 60 113 |
| 11 | 71 059 | 3 600 | 5 100 | 79 759 | 66 408 |
| 12 | 79 759 | 3 600 | 5 710 | 89 069 | 72 979 |
| 13 | 89 069 | 3 600 | 6 363 | 99 032 | 79 837 |
| 14 | 99 032 | 3 600 | 7 062 | 109 695 | 86 995 |
| 15 | 109 695 | 3 600 | 7 811 | 121 105 | 94 466 |
| 16 | 121 105 | 3 600 | 8 611 | 133 316 | 102 264 |
| 17 | 133 316 | 3 600 | 9 468 | 146 384 | 110 404 |
| 18 | 146 384 | 3 600 | 10 385 | 160 369 | 118 900 |
| 19 | 160 369 | 3 600 | 11 366 | 175 334 | 127 767 |
| 20 | 175 334 | 3 600 | 12 416 | 191 350 | 137 023 |
| 21 | 191 350 | 3 600 | 13 539 | 208 490 | 146 684 |
| 22 | 208 490 | 3 600 | 14 742 | 226 832 | 156 767 |
| 23 | 226 832 | 3 600 | 16 029 | 246 460 | 167 292 |
| 24 | 246 460 | 3 600 | 17 406 | 267 466 | 178 278 |
| 25 | 267 466 | 3 600 | 18 880 | 289 946 | 189 744 |
| 26 | 289 946 | 3 600 | 20 457 | 314 003 | 201 712 |
| 27 | 314 003 | 3 600 | 22 145 | 339 748 | 214 204 |
| 28 | 339 748 | 3 600 | 23 951 | 367 299 | 227 243 |
| 29 | 367 299 | 3 600 | 25 884 | 396 783 | 240 852 |
| 30 | 396 783 | 3 600 | 27 953 | 428 336 | 255 057 |
Chistyy rost = konets minus start minus vznosy, posle komissii modeli. Mesyachnye vznosy summiruyutsya za god.
Частые вопросы
Is this calculator financial advice?
No. Outputs are educational scenarios, not personalised advice or a forecast.
Why include fees and inflation?
Gross returns overstate what compounds for you. Net rate and real purchasing power are the levers that matter.
What does the Rule of 72 number mean?
It estimates years to double at a constant rate (72 ÷ rate %). It ignores fees, inflation and changing contributions.
How should I use the scenario gallery?
Load a teaching preset, then change one input at a time to see which lever moves terminal wealth most.
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