{"id":12707,"date":"2026-10-20T08:01:00","date_gmt":"2026-10-20T06:01:00","guid":{"rendered":"https:\/\/iocharts.io\/blog\/?p=12707"},"modified":"2026-10-19T22:13:51","modified_gmt":"2026-10-19T20:13:51","slug":"inflaciokalkulator-ennyit-buksz-lathatatlanul","status":"publish","type":"post","link":"https:\/\/iocharts.io\/blog\/inflaciokalkulator-ennyit-buksz-lathatatlanul\/","title":{"rendered":"Infl\u00e1ci\u00f3kalkul\u00e1tor: ennyit buksz l\u00e1thatatlanul","gt_translate_keys":[{"key":"rendered","format":"text"}]},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">R\u00e9g\u00f3ta tervezem, hogy csin\u00e1ljak egy infl\u00e1ci\u00f3kalkul\u00e1tor jelleg\u0171 megold\u00e1st, amivel kisz\u00e1molhatod, hogyan eszi meg a vagyonodat a l\u00e1thatatlan hozamgyilkos. Az\u00e9rt kell neked is a befektet\u00e9sekkel foglalkoznod, mert ha nem csin\u00e1lsz semmit, akkor is megeszi az infl\u00e1ci\u00f3 a vagyonodat, csak l\u00e1thatatlanul. De mit is jelent az, hogy infl\u00e1ci\u00f3, \u00e9s mi\u00e9rt kell infl\u00e1ci\u00f3kalkul\u00e1tort neked is haszn\u00e1lnod?<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">\ud83d\udd22<strong>Csak a kalkul\u00e1tor \u00e9rdekel? Akkor ugorj k\u00f6zvetlen\u00fcl oda a link megnyom\u00e1s\u00e1val: <a href=\"#inflaciokalkulator\">infl\u00e1ci\u00f3kalkul\u00e1tor<\/a>.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Mi az infl\u00e1ci\u00f3?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Az infl\u00e1ci\u00f3 az \u00e1rak \u00e1ltal\u00e1nos \u00e9s tart\u00f3s emelked\u00e9se:<\/strong> nem egy-egy term\u00e9k dr\u00e1gul\u00e1sa, hanem az, hogy a gazdas\u00e1gban az \u00e1ruk \u00e9s szolg\u00e1ltat\u00e1sok \u00e1tlagos \u00e1rszintje folyamatosan n\u0151. Ennek a m\u00e1sik oldala a p\u00e9nz v\u00e1s\u00e1rl\u00f3erej\u00e9nek cs\u00f6kken\u00e9se: <strong>ugyanannyi forint\u00e9rt id\u0151vel egyre kevesebbet v\u00e1s\u00e1rolhatsz, vagyis a p\u00e9nz a p\u00e9nzt\u00e1rc\u00e1dban vagy a banksz\u00e1ml\u00e1don akkor is vesz\u00edt az \u00e9rt\u00e9k\u00e9b\u0151l, ha az \u00f6sszege l\u00e1tsz\u00f3lag nem v\u00e1ltozik.<\/strong> <\/p>\n\n\n\n<pre class=\"wp-block-preformatted\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-cyan-blue-color\">\ud83d\udca1Magyarorsz\u00e1gon az infl\u00e1ci\u00f3t a K\u00f6zponti Statisztikai Hivatal (KSH) m\u00e9ri a fogyaszt\u00f3i\u00e1r-indexszel, amely egy \u00e1tlagos h\u00e1ztart\u00e1s v\u00e1s\u00e1rl\u00e1sait t\u00fckr\u00f6z\u0151 fogyaszt\u00f3i kos\u00e1r \u00e1rv\u00e1ltoz\u00e1s\u00e1t k\u00f6veti havonta \u00e9s \u00e9vente. <\/mark><\/strong><\/pre>\n\n\n\n<p class=\"wp-block-paragraph\">Ha p\u00e9ld\u00e1ul az \u00e9ves infl\u00e1ci\u00f3 4.4%, az azt jelenti, hogy ami\u00e9rt tavaly 100 000 forintot fizett\u00e9l, az\u00e9rt id\u00e9n \u00e1tlagosan 104 400 Ft-ot kell fizetni. Ha matematikai oldalr\u00f3l akarod megk\u00f6zel\u00edteni a dolgot, akkor a mai X-et meg kell szoroznod 1+infl\u00e1ci\u00f3 m\u00e9rt\u00e9k\u00e9vel, akkor kapod meg a j\u00f6v\u0151 \u00e9vi \u00e9rt\u00e9k\u00e9t, a fenti p\u00e9ld\u00e1val \u00e9lve: 100 000 Ft*1,044=104 400 Ft lesz.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"836\" height=\"470\" data-src=\"https:\/\/iocharts.io\/blog\/wp-content\/smush-webp\/inflaciokalkulator-001.jpg.webp\" alt=\"arra is j\u00f3 az infl\u00e1ci\u00f3kalkul\u00e1tor, hogy megmutatja, mennyivel cs\u00f6kkent a v\u00e1s\u00e1rl\u00f3er\u0151d egy b\u00e1zis\u00e9vhez k\u00e9pest\" class=\"wp-image-12729 lazyload\" data-srcset=\"https:\/\/iocharts.io\/blog\/wp-content\/smush-webp\/inflaciokalkulator-001.jpg.webp 836w, https:\/\/iocharts.io\/blog\/wp-content\/uploads\/inflaciokalkulator-001-767x431.jpg 767w, https:\/\/iocharts.io\/blog\/wp-content\/uploads\/inflaciokalkulator-001-414x233.jpg 414w\" data-sizes=\"(max-width: 836px) 100vw, 836px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 836px; --smush-placeholder-aspect-ratio: 836\/470;\" \/><figcaption class=\"wp-element-caption\">forr\u00e1s: ChatGPT, arra is j\u00f3 az infl\u00e1ci\u00f3kalkul\u00e1tor, hogy megmutatja, mennyivel cs\u00f6kkent a v\u00e1s\u00e1rl\u00f3er\u0151d egy b\u00e1zis\u00e9vhez k\u00e9pest<\/figcaption><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Ez a gyakorlatban azt jelenti, hogy hi\u00e1ba nem v\u00e1ltozik \u00f6sszegszer\u0171en a megtakar\u00edt\u00e1sod, a val\u00f3s\u00e1gban a v\u00e1s\u00e1rl\u00f3ereje cs\u00f6kken, kiv\u00e9ve, ha azt befekteted. Itt pedig meg kell ismerkedned m\u00e9g k\u00e9t fogalommal, a nomin\u00e1lis \u00e9s a re\u00e1lhozammal.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Mi a nomin\u00e1lis \u00e9s a re\u00e1lhozam?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>A nomin\u00e1lis hozam az a sz\u00e1m, amit a banksz\u00e1mlakivonatodon, a befektet\u00e9si alapod t\u00e1j\u00e9koztat\u00f3j\u00e1ban vagy a r\u00e9szv\u00e9nyportf\u00f3li\u00f3dban l\u00e1tsz: ennyivel n\u0151tt a p\u00e9nzed forintban. <\/strong>Ha 1 000 000 Ft-od egy \u00e9v alatt 1 070 000-re gyarap\u00edtod, a nomin\u00e1lis hozamod 7%. Ez a sz\u00e1m viszont semmit nem mond arr\u00f3l, hogy a megn\u00f6vekedett mennyis\u00e9g\u0171 p\u00e9nzed\u00e9rt t\u00f6bbet is tudsz-e venni. <\/p>\n\n\n\n<figure class=\"wp-block-embed aligncenter is-type-wp-embed is-provider-io-charts wp-block-embed-io-charts\"><div class=\"wp-block-embed__wrapper\">\n<blockquote class=\"wp-embedded-content\" data-secret=\"2UboGLeHca\"><a href=\"https:\/\/iocharts.io\/blog\/autobefektetes-mitosz-vagy-valosag-i-resz\/\">Aut\u00f3befektet\u00e9s: m\u00edtosz vagy val\u00f3s\u00e1g? I. r\u00e9sz<\/a><\/blockquote><iframe class=\"wp-embedded-content lazyload\" sandbox=\"allow-scripts\" security=\"restricted\" style=\"position: absolute; visibility: hidden;\" title=\"\u201cAut\u00f3befektet\u00e9s: m\u00edtosz vagy val\u00f3s\u00e1g? I. r\u00e9sz\u201d \u2014 iO Charts\" data-src=\"https:\/\/iocharts.io\/blog\/autobefektetes-mitosz-vagy-valosag-i-resz\/embed\/#?secret=sbaSOj8ivY#?secret=2UboGLeHca\" data-secret=\"2UboGLeHca\" width=\"600\" height=\"338\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" data-load-mode=\"1\"><\/iframe>\n<\/div><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Erre a re\u00e1lhozam ad v\u00e1laszt:<\/strong> azt mutatja meg, mennyivel n\u0151tt a p\u00e9nzed v\u00e1s\u00e1rl\u00f3ereje, vagyis a nomin\u00e1lis hozamot az infl\u00e1ci\u00f3val korrig\u00e1lja. Pontosan \u00edgy sz\u00e1molhatod ki: re\u00e1lhozam = (1 + nomin\u00e1lis hozam) \/ (1 + infl\u00e1ci\u00f3) \u2212 1. Durva becsl\u00e9snek el\u00e9g, ha a kett\u0151t kivonod egym\u00e1sb\u00f3l, de magas infl\u00e1ci\u00f3n\u00e1l a pontos k\u00e9plet \u00e9rezhet\u0151en elt\u00e9r ett\u0151l. Ez\u00e9rt j\u00f3 az infl\u00e1ci\u00f3kalkul\u00e1tor: kisz\u00e1molja helyetted pontosan, hogy mennyivel cs\u00f6kkent vagy n\u0151tt (ha defl\u00e1ci\u00f3 volt) a v\u00e1s\u00e1rl\u00f3er\u0151d. A nomin\u00e1lis \u00e9s a re\u00e1lhozam k\u00f6z\u00f6tti k\u00fcl\u00f6nbs\u00e9get legut\u00f3bb az aut\u00f3befektet\u00e9s kapcs\u00e1n haszn\u00e1ltam, \u00e9rdemes azt a cikket is elolvasnod.<\/p>\n\n\n\n<figure class=\"wp-block-embed aligncenter is-type-wp-embed is-provider-io-charts wp-block-embed-io-charts\"><div class=\"wp-block-embed__wrapper\">\n<blockquote class=\"wp-embedded-content\" data-secret=\"IqKXkAQNsn\"><a href=\"https:\/\/iocharts.io\/blog\/veteranauto-mint-befektetes-mitosz-vagy-valosag-ii-resz\/\">Veter\u00e1naut\u00f3 mint befektet\u00e9s: m\u00edtosz vagy val\u00f3s\u00e1g? II. r\u00e9sz<\/a><\/blockquote><iframe class=\"wp-embedded-content lazyload\" sandbox=\"allow-scripts\" security=\"restricted\" style=\"position: absolute; visibility: hidden;\" title=\"\u201cVeter\u00e1naut\u00f3 mint befektet\u00e9s: m\u00edtosz vagy val\u00f3s\u00e1g? II. r\u00e9sz\u201d \u2014 iO Charts\" data-src=\"https:\/\/iocharts.io\/blog\/veteranauto-mint-befektetes-mitosz-vagy-valosag-ii-resz\/embed\/#?secret=eGkeH4feyX#?secret=IqKXkAQNsn\" data-secret=\"IqKXkAQNsn\" width=\"600\" height=\"338\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" data-load-mode=\"1\"><\/iframe>\n<\/div><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Az infl\u00e1ci\u00f3 szerepe ez\u00e9rt d\u00f6nt\u0151: a magas nomin\u00e1lis hozam is lehet val\u00f3j\u00e1ban vesztes\u00e9g. <\/strong>2023-ban p\u00e9ld\u00e1ul Magyarorsz\u00e1gon 17.6% volt az \u00e9ves infl\u00e1ci\u00f3, \u00edgy ha egy 10%-os hozam\u00fa megtakar\u00edt\u00e1sban tartottad a p\u00e9nzed, nomin\u00e1lisan gyarapodt\u00e1l, re\u00e1l\u00e9rt\u00e9ken viszont kb. 6.5%-ot vesz\u00edtett\u00e9l: (1.10 \/ 1.176) \u2212 1 \u2248 \u22126.5%. Ford\u00edtva, 2025-ben 4.4%-os infl\u00e1ci\u00f3 mellett egy 7%-os nomin\u00e1lis hozam kb. 2.5%-os re\u00e1lhozamot jelentett neked: (1.07 \/ 1.044) \u2212 1 \u2248 2.5%.<strong> Befektet\u0151k\u00e9nt teh\u00e1t mindig a re\u00e1lhozamot figyeld, hiszen az a k\u00e9rd\u00e9s, hogy a p\u00e9nzed t\u00f6bbet \u00e9r-e, nem az, hogy t\u00f6bb forintod van-e. <\/strong><\/p>\n\n\n\n<figure class=\"wp-block-embed aligncenter is-type-wp-embed is-provider-io-charts wp-block-embed-io-charts\"><div class=\"wp-block-embed__wrapper\">\n<blockquote class=\"wp-embedded-content\" data-secret=\"ANOeEzKJ6B\"><a href=\"https:\/\/iocharts.io\/blog\/mibe-fektessem-az-allampapirok-kamatat-2025-ben\/\">Hova tegyem az \u00e1llampap\u00edr kamat\u00e1t 2025-ben?<\/a><\/blockquote><iframe class=\"wp-embedded-content lazyload\" sandbox=\"allow-scripts\" security=\"restricted\" style=\"position: absolute; visibility: hidden;\" title=\"\u201cHova tegyem az \u00e1llampap\u00edr kamat\u00e1t 2025-ben?\u201d \u2014 iO Charts\" data-src=\"https:\/\/iocharts.io\/blog\/mibe-fektessem-az-allampapirok-kamatat-2025-ben\/embed\/#?secret=qJhYb9ZpQ5#?secret=ANOeEzKJ6B\" data-secret=\"ANOeEzKJ6B\" width=\"600\" height=\"338\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" data-load-mode=\"1\"><\/iframe>\n<\/div><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">A gyakorlatban ezt m\u00e9g az ad\u00f3k \u00e9s a k\u00f6lts\u00e9gek is cs\u00f6kkentik, \u00edgy a val\u00f3di, a zsebedben marad\u00f3 re\u00e1lhozam \u00e1ltal\u00e1ban alacsonyabb, mint amit els\u0151 r\u00e1n\u00e9z\u00e9sre l\u00e1tsz. Ez\u00e9rt volt \u00e9rdemes az elm\u00falt \u00e9vekben magyar \u00e1llampap\u00edrba fektetned, mert ez jelent\u0151sen kompenz\u00e1lta az infl\u00e1ci\u00f3kalkul\u00e1tor \u00e1ltal is ki\u00edrt infl\u00e1ci\u00f3s vesztes\u00e9get.<\/p>\n\n\n\n<pre class=\"wp-block-preformatted\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-cyan-blue-color\">\ud83e\udd14Ha a t\u00f6bbi kalkul\u00e1tort is szeretn\u00e9d kipr\u00f3b\u00e1lni, nyomj erre a linkre: <a href=\"https:\/\/iocharts.io\/blog\/category\/kalkulatorok\/\" target=\"_blank\" rel=\"noreferrer noopener\">iO Charts kalkul\u00e1torok<\/a>.<\/mark><\/strong><\/pre>\n\n\n\n<h2 class=\"wp-block-heading\">\u00cdgy m\u0171k\u00f6dik az infl\u00e1ci\u00f3kalkul\u00e1tor!<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Az infl\u00e1ci\u00f3kalkul\u00e1tor megmutatja, mennyit \u00e9r egy p\u00e9nz\u00f6sszeg egy m\u00e1sik \u00e9v \u00e1raira \u00e1tsz\u00e1molva. Magyarorsz\u00e1gra a KSH hivatalos fogyaszt\u00f3i\u00e1r-index\u00e9vel sz\u00e1mol 1989-t\u0151l napjainkig, emellett az EU-\u00e1tlagra, a t\u00f6bbi uni\u00f3s tag\u00e1llamra \u00e9s az USA-ra is, a k\u00f6vetkez\u0151 \u00e9vekre pedig az \u00e1ltalad megadott v\u00e1rhat\u00f3 infl\u00e1ci\u00f3val kalkul\u00e1l. \u00cdgy a m\u00faltba \u00e9s a j\u00f6v\u0151be is tekinthetsz vele, \u00e9s azt is megn\u00e9zheted, hogyan alakult az infl\u00e1ci\u00f3 m\u00e1s orsz\u00e1gokban.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u00cdgy haszn\u00e1ld:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\ud83c\udf0d <strong>Orsz\u00e1g \/ r\u00e9gi\u00f3:<\/strong> alapb\u00f3l Magyarorsz\u00e1g van kiv\u00e1lasztva, de \u00e1tv\u00e1lthatsz az EU-\u00e1tlagra, b\u00e1rmelyik uni\u00f3s tag\u00e1llamra vagy az USA-ra. A kalkul\u00e1tor ilyenkor az adott orsz\u00e1g p\u00e9nznem\u00e9ben sz\u00e1mol (eur\u00f3, doll\u00e1r, korona, zloty stb.), \u00e9s onnan ind\u00edtja az \u00e9veket, ahonnan val\u00f3s adat \u00e1ll rendelkez\u00e9sre: a legt\u00f6bb tag\u00e1llamn\u00e1l 1996-t\u00f3l, az EU-\u00e1tlagn\u00e1l 2000-t\u0151l, az USA-n\u00e1l 1989-t\u0151l.<\/li>\n\n\n\n<li>\ud83d\udd04 <strong>Ir\u00e1nyv\u00e1lt\u00f3:<\/strong> a \u201eR\u00e9gi p\u00e9nz \u2192 mai \u00e9rt\u00e9k\u201d \u00e1ll\u00e1sban azt l\u00e1tod, mennyit \u00e9rne ma egy r\u00e9gebbi p\u00e9nz\u00f6sszeg, p\u00e9ld\u00e1ul mennyibe ker\u00fclne most az, amit 2010-ben 100 000 forint\u00e9rt vett\u00e9l. A \u201eMai p\u00e9nz \u2192 r\u00e9gi \u00e9rt\u00e9k\u201d \u00e1ll\u00e1sban ford\u00edtva l\u00e1tod a t\u00f6rt\u00e9n\u00e9seket: megtudod, mennyit \u00e9rt volna a mai p\u00e9nzed egy kor\u00e1bbi \u00e9vben.<\/li>\n\n\n\n<li>\ud83d\udcc5 <strong>\u00d6sszeg \u00e9s \u00e9vek:<\/strong> add meg az \u00f6sszeget, \u00e9s v\u00e1laszd ki a k\u00e9t \u00e9vet. A +\/\u2212 gombokkal \u00e9venk\u00e9nt l\u00e9ptethetsz, \u00edgy gyorsan v\u00e9gigk\u00f6vetheted, hogyan v\u00e1ltozik az eredm\u00e9ny.<\/li>\n\n\n\n<li>\ud83d\udd2e <strong>V\u00e1rhat\u00f3 \u00e1tlagos infl\u00e1ci\u00f3:<\/strong> ha a v\u00e1lasztott id\u0151szak a j\u00f6v\u0151be mutat, a m\u00e9g nem ismert \u00e9vekre ezzel a r\u00e1t\u00e1val sz\u00e1mol a kalkul\u00e1tor. Alap\u00e9rt\u00e9ke a v\u00e1lasztott orsz\u00e1g jegybankj\u00e1nak infl\u00e1ci\u00f3s c\u00e9lja, Magyarorsz\u00e1gon az MNB 3%-os c\u00e9lja, az eur\u00f3\u00f6vezetben \u00e9s az USA-ban 2%, de b\u00e1rmire \u00e1t\u00edrhatod, amire szeretn\u00e9d. A becs\u00fclt \u00e9veket a grafikonon halv\u00e1ny s\u00e1v \u00e9s szaggatott vonal jel\u00f6li.<\/li>\n\n\n\n<li>\ud83d\udcb0 <strong>Eredm\u00e9nyek:<\/strong> a k\u00e1rty\u00e1kon l\u00e1tod az \u00f6sszeg megfelel\u0151j\u00e9t a m\u00e1sik \u00e9v \u00e1rain, a teljes \u00e1remelked\u00e9st \u00e9s az id\u0151szak \u00e1tlagos \u00e9ves infl\u00e1ci\u00f3j\u00e1t. Alattuk egy mondatban, emberi nyelven is megkapod az eredm\u00e9nyt.<\/li>\n\n\n\n<li>\ud83d\udd17 <strong>Megoszt\u00e1s:<\/strong> az \u201eEredm\u00e9ny megoszt\u00e1sa\u201d gombbal egy linket m\u00e1solhatsz, amely pontosan a be\u00e1ll\u00edtott orsz\u00e1ggal, \u00f6sszeggel \u00e9s \u00e9vekkel nyitja meg a kalkul\u00e1tort. <strong>A linket elmentve a be\u00e1ll\u00edt\u00e1said is megmaradnak.<\/strong><\/li>\n\n\n\n<li>\ud83d\udcc8 <strong>Grafikon:<\/strong> \u00e9vr\u0151l \u00e9vre megmutatja, hogyan v\u00e1ltozott a p\u00e9nz\u00f6sszeg \u00e9rt\u00e9ke (vonal), \u00e9s mekkora volt az adott \u00e9vi infl\u00e1ci\u00f3 (oszlopok). A PNG-let\u00f6lt\u00e9ssel k\u00e9pk\u00e9nt is elmentheted a grafikont.<\/li>\n\n\n\n<li>\ud83d\udcca <strong>\u00c9venk\u00e9nti t\u00e1bl\u00e1zat:<\/strong> minden \u00e9vre l\u00e1tod az infl\u00e1ci\u00f3t, az \u00f6sszeg \u00e9rt\u00e9k\u00e9t, a halmozott \u00e1remelked\u00e9st \u00e9s az \u00e1rindexet. CSV-k\u00e9nt let\u00f6ltheted, \u00e9s Excelben tov\u00e1bb sz\u00e1molhatsz vele.<\/li>\n\n\n\n<li>\u2696\ufe0f <strong>Orsz\u00e1gok \u00f6sszevet\u00e9se:<\/strong> legfeljebb n\u00e9gy orsz\u00e1got v\u00e1laszthatsz, \u00e9s a grafikon a k\u00f6z\u00f6s id\u0151szakban mutatja az \u00e1rszint alakul\u00e1s\u00e1t, a kezd\u0151\u00e9vet 100-nak v\u00e9ve. \u00cdgy a p\u00e9nznemt\u0151l f\u00fcggetlen\u00fcl l\u00e1tszik, hol dr\u00e1gult gyorsabban az \u00e9let: 2000 \u00e9s 2024 k\u00f6z\u00f6tt p\u00e9ld\u00e1ul Magyarorsz\u00e1gon az \u00e1rszint kb. 3.2-szeres\u00e9re n\u0151tt, az EU-\u00e1tlagban kb. 1.8-szoros\u00e1ra.<\/li>\n\n\n\n<li>\u2699\ufe0f <strong>R\u00e9szletes be\u00e1ll\u00edt\u00e1sok:<\/strong> itt a val\u00f3s adatok helyett saj\u00e1t, \u00e1lland\u00f3 r\u00e1t\u00e1val is sz\u00e1molhatsz minden \u00e9vre. \u00cdgy kipr\u00f3b\u00e1lhatod, mi lett volna akkor, ha az infl\u00e1ci\u00f3 minden \u00e9vben 5% lett volna. A kalkul\u00e1tor mell\u00e9 ki\u00edrja azt is, mennyi lett volna az eredm\u00e9ny a val\u00f3s adatokkal.<\/li>\n<\/ul>\n\n\n\n<pre id=\"inflaciokalkulator\" class=\"wp-block-preformatted\">\ud83d\udc46<strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-cyan-blue-color\">Fontos: a kalkul\u00e1tor az orsz\u00e1gos \u00e1tlagos \u00e1rszinttel sz\u00e1mol. A saj\u00e1t kiad\u00e1said szerkezete ett\u0151l elt\u00e9rhet, ez\u00e9rt a szem\u00e9lyes infl\u00e1ci\u00f3d lehet enn\u00e9l magasabb vagy alacsonyabb is.<\/mark><\/strong><\/pre>\n\n\n\n<!-- Kalkul\u00e1tor: Infl\u00e1ci\u00f3kalkul\u00e1tor | Szkript: WPCode \u2192 \"IOC \u2013 Infl\u00e1ci\u00f3kalkul\u00e1tor\" (HTML Snippet, Site Wide Footer) -->\n<ioc-inflacio><\/ioc-inflacio>\n\n\n\n<h4>Az infl\u00e1ci\u00f3kalkul\u00e1tor forr\u00e1sai<\/h3>\n<ul>\n  <li><strong>Magyarorsz\u00e1g:<\/strong> K\u00f6zponti Statisztikai Hivatal (KSH), <a href=\"https:\/\/www.ksh.hu\/stadat_files\/ara\/hu\/ara0001.html\" target=\"_blank\" rel=\"noopener\">1.1.1.1. F\u0151bb \u00e1rmutat\u00f3k<\/a> (\u00e9ves fogyaszt\u00f3i\u00e1r-index, 2010\u20132025)<\/li>\n  <li><strong>Magyarorsz\u00e1g, foly\u00f3 \u00e9v:<\/strong> KSH, <a href=\"https:\/\/www.ksh.hu\/stadat_files\/ara\/hu\/ara0039.html\" target=\"_blank\" rel=\"noopener\">1.2.1.1. A f\u0151bb \u00e1rmutat\u00f3k, havonta<\/a> (a 2026-os el\u0151zetes adat a havi indexekb\u0151l)<\/li>\n  <li><strong>Magyarorsz\u00e1g, 1990\u20132005:<\/strong> KSH, <a href=\"https:\/\/www.ksh.hu\/docs\/hun\/xftp\/idoszaki\/fogyar\/fogyar05.pdf\" target=\"_blank\" rel=\"noopener\">Fogyaszt\u00f3i\u00e1r-indexek, 2005<\/a> (\u00e9ves kiadv\u00e1ny, PDF)<\/li>\n  <li><strong>Magyarorsz\u00e1g, 2006\u20132009:<\/strong> KSH, <a href=\"https:\/\/www.ksh.hu\/evkonyvek\/2010\/magyar-statisztikai-evkonyv-2010\/pdf\/stat2010_47.pdf\" target=\"_blank\" rel=\"noopener\">Magyar statisztikai \u00e9vk\u00f6nyv, 2010: \u00c1rak<\/a> (PDF)<\/li>\n  <li><strong>EU-\u00e1tlag \u00e9s tag\u00e1llamok:<\/strong> Eurostat, <a href=\"https:\/\/ec.europa.eu\/eurostat\/databrowser\/view\/prc_hicp_ainr\/default\/table\" target=\"_blank\" rel=\"noopener\">HICP \u2013 \u00e9ves adatok, indexek \u00e9s v\u00e1ltoz\u00e1si r\u00e1t\u00e1k (prc_hicp_ainr)<\/a> (harmoniz\u00e1lt fogyaszt\u00f3i\u00e1r-index, \u00e9ves \u00e1tlagos v\u00e1ltoz\u00e1s)<\/li>\n  <li><strong>USA:<\/strong> Vil\u00e1gbank, <a href=\"https:\/\/data.worldbank.org\/indicator\/FP.CPI.TOTL.ZG?locations=US\" target=\"_blank\" rel=\"noopener\">Inflation, consumer prices (annual %) \u2013 United States<\/a> (FP.CPI.TOTL.ZG mutat\u00f3, az IMF International Financial Statistics alapj\u00e1n)<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\"\/>\n\n\n\n<!-- ============================================================\n     GYIK ACCORDION - iO Charts (Infl\u00e1ci\u00f3kalkul\u00e1tor: ennyit buksz l\u00e1thatatlanul)\n     ============================================================ -->\n<style>\n.io-faq {\n  --faq-navy:      #1b3a5f;\n  --faq-accent:    #e2662c;\n  --faq-text:      #333333;\n  --faq-line:      #dfe5ec;\n  --faq-hover:     #eef4fa;\n  --faq-bg:        #f4f8fc;\n\n  background: var(--faq-bg);\n  padding: 2em 2em 1.5em 2em;\n  border-radius: 10px;\n  max-width: 100%;\n  margin: 2.5em 0;\n}\n\n.io-faq__title {\n  text-align: center;\n  color: var(--faq-navy);\n  margin: 0 0 1.5em 0;\n}\n\n.io-faq__subtitle {\n  display: flex;\n  align-items: center;\n  gap: 1.1em;\n  color: var(--faq-accent);\n  margin: 0 0 1.8em 0;\n  font-size: .95em;\n  white-space: nowrap;\n}\n\n.io-faq__subtitle::before,\n.io-faq__subtitle::after {\n  content: \"\";\n  flex: 1;\n  height: 1px;\n  opacity: .45;\n}\n\n.io-faq__subtitle::before {\n  background: linear-gradient(to right, transparent, var(--faq-accent));\n}\n\n.io-faq__subtitle::after {\n  background: linear-gradient(to left, transparent, var(--faq-accent));\n}\n\n.io-faq__intro {\n  text-align: left;\n  color: var(--faq-text);\n  line-height: 1.7;\n  margin: 0 0 2em 0;\n}\n\n.io-faq__intro p { margin: 0 0 .9em 0; 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font-size: .85em; }\n}\n<\/style>\n\n<div class=\"io-faq\">\n  <h2 class=\"io-faq__title\">Gyakran Ism\u00e9telt K\u00e9rd\u00e9sek: infl\u00e1ci\u00f3kalkul\u00e1tor<\/h2>\n  <p class=\"io-faq__subtitle\">V\u00e1laszok a leggyakoribb k\u00e9rd\u00e9sekre<\/p>\n  <div class=\"io-faq__intro\">\n    <p>K\u00edv\u00e1ncsi vagy, mennyit \u00e9r ma a r\u00e9gi forintod, vagy mennyit vesz\u00edt majd a p\u00e9nzed a j\u00f6v\u0151ben? Itt t\u00f6m\u00f6r v\u00e1laszokat tal\u00e1lsz az infl\u00e1ci\u00f3kalkul\u00e1tor haszn\u00e1lat\u00e1r\u00f3l \u00e9s a m\u00f6g\u00f6tte \u00e1ll\u00f3 fogalmakr\u00f3l: mi az infl\u00e1ci\u00f3, honnan sz\u00e1rmaznak az adatok, mely orsz\u00e1gokra sz\u00e1molhatsz, hogyan vetheted \u00f6ssze az orsz\u00e1gokat, mi a k\u00fcl\u00f6nbs\u00e9g a nomin\u00e1lis hozam \u00e9s a re\u00e1lhozam k\u00f6z\u00f6tt, \u00e9s hogyan sz\u00e1mol az infl\u00e1ci\u00f3kalkul\u00e1tor a j\u00f6v\u0151beli \u00e9vekkel.<\/p>\n    <p>Kattints b\u00e1rmelyik k\u00e9rd\u00e9sre, \u00e9s kiny\u00edlik a v\u00e1lasz. Ezek sz\u00e1nd\u00e9kosan r\u00f6vid \u00f6sszefoglal\u00f3k: ha a r\u00e9szletek is \u00e9rdekelnek, azokat feljebb, a cikk megfelel\u0151 fejezeteiben bontom ki b\u0151vebben. Fontos: a p\u00e9ld\u00e1kban szerepl\u0151 sz\u00e1mok a cikk \u00edr\u00e1sakor el\u00e9rhet\u0151 KSH-adatokat t\u00fckr\u00f6zik.<\/p>\n  <\/div>\n  <details class=\"io-faq__item\">\n    <summary class=\"io-faq__q\"><h3>Mi az az infl\u00e1ci\u00f3kalkul\u00e1tor?<\/h3><\/summary>\n    <div class=\"io-faq__a\">\n      <p>Az infl\u00e1ci\u00f3kalkul\u00e1tor egy online eszk\u00f6z, amellyel kisz\u00e1molhatod, mennyit \u00e9r egy forint\u00f6sszeg egy m\u00e1sik \u00e9v \u00e1rain. Megmutatja, mennyibe ker\u00fclne ma az, amit \u00e9vekkel ezel\u0151tt vett\u00e9l meg, \u00e9s azt is, mennyit vesz\u00edtett a p\u00e9nzed a v\u00e1s\u00e1rl\u00f3erej\u00e9b\u0151l. Az iO Charts infl\u00e1ci\u00f3kalkul\u00e1tora Magyarorsz\u00e1gra a KSH hivatalos adataival sz\u00e1mol 1989-t\u0151l napjainkig, emellett az EU-\u00e1tlagra, a 26 t\u00f6bbi uni\u00f3s tag\u00e1llamra \u00e9s az USA-ra is, a j\u00f6v\u0151re pedig becsl\u00e9st is ad.<\/p>\n    <\/div>\n  <\/details>\n  <details class=\"io-faq__item\">\n    <summary class=\"io-faq__q\"><h3>Hogyan m\u0171k\u00f6dik az infl\u00e1ci\u00f3kalkul\u00e1tor?<\/h3><\/summary>\n    <div class=\"io-faq__a\">\n      <p>Az infl\u00e1ci\u00f3kalkul\u00e1tor a KSH \u00e9ves fogyaszt\u00f3i\u00e1r-indexeib\u0151l egy \u00e1rszint-id\u0151sort \u00e9p\u00edt, amelyben az 1989-es \u00e1rszint 100. Egy \u00f6sszeg \u00e9rt\u00e9k\u00e9t k\u00e9t \u00e9v k\u00f6z\u00f6tt \u00fagy kapod meg, hogy az \u00f6sszeget megszorozza a k\u00e9t \u00e9v \u00e1rszintj\u00e9nek ar\u00e1ny\u00e1val. Megadod az \u00f6sszeget \u00e9s a k\u00e9t \u00e9vet, a kalkul\u00e1tor pedig ki\u00edrja az \u00f6sszeg megfelel\u0151j\u00e9t, a teljes \u00e1remelked\u00e9st \u00e9s az id\u0151szak \u00e1tlagos \u00e9ves infl\u00e1ci\u00f3j\u00e1t, grafikonnal \u00e9s \u00e9venk\u00e9nti t\u00e1bl\u00e1zattal egy\u00fctt.<\/p>\n    <\/div>\n  <\/details>\n  <details class=\"io-faq__item\">\n    <summary class=\"io-faq__q\"><h3>Honnan sz\u00e1rmaznak az infl\u00e1ci\u00f3kalkul\u00e1tor adatai?<\/h3><\/summary>\n    <div class=\"io-faq__a\">\n      <p>Magyarorsz\u00e1gra az infl\u00e1ci\u00f3kalkul\u00e1tor a K\u00f6zponti Statisztikai Hivatal (KSH) \u00e9ves fogyaszt\u00f3i\u00e1r-index\u00e9t haszn\u00e1lja. A foly\u00f3 \u00e9v magyar adata el\u0151zetes: az eddig k\u00f6zz\u00e9tett havi adatok \u00e1tlaga, ezt a kalkul\u00e1tor csillaggal jel\u00f6li. Az EU-\u00e1tlag \u00e9s a tag\u00e1llamok adata az Eurostat harmoniz\u00e1lt fogyaszt\u00f3i\u00e1r-indexe (HICP), az USA adata a Vil\u00e1gbank infl\u00e1ci\u00f3s mutat\u00f3ja, amely az IMF adatb\u00e1zis\u00e1n alapul. Az adatforr\u00e1st \u00e9s a friss\u00edt\u00e9s d\u00e1tum\u00e1t orsz\u00e1gonk\u00e9nt a kalkul\u00e1tor alj\u00e1n, a l\u00e1bjegyzetben tal\u00e1lod.<\/p>\n    <\/div>\n  <\/details>\n  <details class=\"io-faq__item\">\n    <summary class=\"io-faq__q\"><h3>Mely orsz\u00e1gokra sz\u00e1molhatok az infl\u00e1ci\u00f3kalkul\u00e1torral?<\/h3><\/summary>\n    <div class=\"io-faq__a\">\n      <p>Az infl\u00e1ci\u00f3kalkul\u00e1tor orsz\u00e1gv\u00e1laszt\u00f3j\u00e1ban Magyarorsz\u00e1g mellett az EU-27 \u00e1tlaga, mind a 26 t\u00f6bbi uni\u00f3s tag\u00e1llam \u00e9s az USA is szerepel. Az \u00f6sszegek mindig az adott orsz\u00e1g mai p\u00e9nznem\u00e9ben \u00e9rtend\u0151k: forintban, eur\u00f3ban, doll\u00e1rban, illetve p\u00e9ld\u00e1ul cseh koron\u00e1ban vagy zlotyban. Az eur\u00f3\u00f6vezeti orsz\u00e1gokn\u00e1l az eur\u00f3 bevezet\u00e9se el\u0151tti \u00e9vek eur\u00f3ra \u00e1tsz\u00e1m\u00edtva \u00e9rtend\u0151k. Orsz\u00e1gv\u00e1lt\u00e1skor a v\u00e1rhat\u00f3 infl\u00e1ci\u00f3 alap\u00e9rt\u00e9ke az adott jegybank infl\u00e1ci\u00f3s c\u00e9lj\u00e1ra v\u00e1lt, p\u00e9ld\u00e1ul az EKB \u00e9s a Fed eset\u00e9ben 2%-ra.<\/p>\n    <\/div>\n  <\/details>\n  <details class=\"io-faq__item\">\n    <summary class=\"io-faq__q\"><h3>Mi\u00e9rt nem 1989-t\u0151l indulnak a k\u00fclf\u00f6ldi adatok az infl\u00e1ci\u00f3kalkul\u00e1torban?<\/h3><\/summary>\n    <div class=\"io-faq__a\">\n      <p>Az infl\u00e1ci\u00f3kalkul\u00e1tor mindig onnan indul, ahonnan egys\u00e9ges, val\u00f3s adat van. Az Eurostat harmoniz\u00e1lt indexe a legt\u00f6bb tag\u00e1llamra 1997-t\u0151l k\u00f6zli az \u00e9ves v\u00e1ltoz\u00e1st, ez\u00e9rt ott 1996 a kiindul\u00f3 \u00e9v, Bulg\u00e1ri\u00e1n\u00e1l \u00e9s Szlov\u00e1ki\u00e1n\u00e1l 1997, Horv\u00e1torsz\u00e1gn\u00e1l 1998, az EU-27 \u00e1tlag\u00e1n\u00e1l 2000. A rendszerv\u00e1lt\u00f3 orsz\u00e1gok kor\u00e1bbi \u00e9vein\u00e9l sokszor hi\u00e1nyzik az adat, vagy hiperinfl\u00e1ci\u00f3 \u00e9s valutacsere torz\u00edtja, ez\u00e9rt ezekre nem sz\u00e1molunk. Magyarorsz\u00e1gra a KSH \u00e9s az USA-ra a Vil\u00e1gbank adata 1989-t\u0151l el\u00e9rhet\u0151.<\/p>\n    <\/div>\n  <\/details>\n  <details class=\"io-faq__item\">\n    <summary class=\"io-faq__q\"><h3>Hogyan hasonl\u00edthatom \u00f6ssze az orsz\u00e1gok infl\u00e1ci\u00f3j\u00e1t?<\/h3><\/summary>\n    <div class=\"io-faq__a\">\n      <p>Az infl\u00e1ci\u00f3kalkul\u00e1tor Orsz\u00e1gok \u00f6sszevet\u00e9se r\u00e9sz\u00e9ben legfeljebb n\u00e9gy orsz\u00e1got v\u00e1laszthatsz, \u00e9s a grafikon a k\u00f6z\u00f6s id\u0151szakban mutatja az \u00e1rszint alakul\u00e1s\u00e1t, a kezd\u0151\u00e9vet 100-nak v\u00e9ve, \u00edgy a p\u00e9nznemt\u0151l f\u00fcggetlen\u00fcl \u00f6sszevethet\u0151k. 2000 \u00e9s 2024 k\u00f6z\u00f6tt p\u00e9ld\u00e1ul Magyarorsz\u00e1gon az \u00e1rszint kb. 3.2-szeres\u00e9re n\u0151tt (\u00e9vi \u00e1tlag 5.0%), az EU-27 \u00e1tlag\u00e1ban \u00e9s az USA-ban kb. 1.8-szoros\u00e1ra (\u00e9vi 2.4% \u00e9s 2.5%), N\u00e9metorsz\u00e1gban kb. 1.6-szoros\u00e1ra (\u00e9vi 2.1%). Az \u00f6sszevet\u00e9s csak val\u00f3s adatot mutat, becsl\u00e9st nem.<\/p>\n    <\/div>\n  <\/details>\n  <details class=\"io-faq__item\">\n    <summary class=\"io-faq__q\"><h3>Mennyit \u00e9r ma az 1989-es 100 000 forint?<\/h3><\/summary>\n    <div class=\"io-faq__a\">\n      <p>Az infl\u00e1ci\u00f3kalkul\u00e1tor szerint az 1989-ben 100 000 forint\u00e9rt megvett kos\u00e1r 2026-ban \u00e1tlagosan kb. 2.74 milli\u00f3 forintba ker\u00fcl, vagyis az \u00e1rszint t\u00f6bb mint 27-szeres\u00e9re n\u0151tt. Ford\u00edtva: a mai 100 000 forint 1989-es \u00e1rakon csak kb. 3 650 forintot \u00e9rne. A kalkul\u00e1torban b\u00e1rmelyik k\u00e9t \u00e9vet \u00f6sszevetheted, a pontos \u00f6sszeget pedig \u00e9vr\u0151l \u00e9vre is megn\u00e9zheted.<\/p>\n    <\/div>\n  <\/details>\n  <details class=\"io-faq__item\">\n    <summary class=\"io-faq__q\"><h3>Mi az infl\u00e1ci\u00f3, \u00e9s hogyan m\u00e9ri a KSH?<\/h3><\/summary>\n    <div class=\"io-faq__a\">\n      <p>Az infl\u00e1ci\u00f3 az \u00e1rak \u00e1ltal\u00e1nos \u00e9s tart\u00f3s emelked\u00e9se, amelynek m\u00e1sik oldala a p\u00e9nz v\u00e1s\u00e1rl\u00f3erej\u00e9nek cs\u00f6kken\u00e9se: ugyanannyi forint\u00e9rt id\u0151vel egyre kevesebbet v\u00e1s\u00e1rolhatsz. Magyarorsz\u00e1gon a KSH m\u00e9ri a fogyaszt\u00f3i\u00e1r-indexszel, amely egy \u00e1tlagos h\u00e1ztart\u00e1s v\u00e1s\u00e1rl\u00e1sait t\u00fckr\u00f6z\u0151 fogyaszt\u00f3i kos\u00e1r \u00e1rv\u00e1ltoz\u00e1s\u00e1t k\u00f6veti havonta \u00e9s \u00e9vente. Ha az \u00e9ves infl\u00e1ci\u00f3 4.4%, akkor ami\u00e9rt tavaly 100 000 forintot fizett\u00e9l, az\u00e9rt id\u00e9n \u00e1tlagosan 104 400 forintot kell fizetned.<\/p>\n    <\/div>\n  <\/details>\n  <details class=\"io-faq__item\">\n    <summary class=\"io-faq__q\"><h3>Mi a k\u00fcl\u00f6nbs\u00e9g a nomin\u00e1lis hozam \u00e9s a re\u00e1lhozam k\u00f6z\u00f6tt?<\/h3><\/summary>\n    <div class=\"io-faq__a\">\n      <p>A nomin\u00e1lis hozam azt mutatja, mennyivel n\u0151tt a p\u00e9nzed forintban, a re\u00e1lhozam pedig azt, mennyivel n\u0151tt a v\u00e1s\u00e1rl\u00f3ereje, vagyis az infl\u00e1ci\u00f3val korrig\u00e1lt hozam. Pontosan \u00edgy sz\u00e1molhatod ki: re\u00e1lhozam = (1 + nomin\u00e1lis hozam) \/ (1 + infl\u00e1ci\u00f3) \u2212 1. Ha 2023-ban egy 10%-os hozam\u00fa megtakar\u00edt\u00e1sban tartottad a p\u00e9nzed, a 17.6%-os infl\u00e1ci\u00f3 miatt re\u00e1l\u00e9rt\u00e9ken kb. 6.5%-ot vesz\u00edtett\u00e9l. Az infl\u00e1ci\u00f3kalkul\u00e1torral megn\u00e9zheted, mekkora hozam kellett volna egy adott id\u0151szakban a v\u00e1s\u00e1rl\u00f3er\u0151d meg\u0151rz\u00e9s\u00e9hez.<\/p>\n    <\/div>\n  <\/details>\n  <details class=\"io-faq__item\">\n    <summary class=\"io-faq__q\"><h3>Hogyan sz\u00e1mol az infl\u00e1ci\u00f3kalkul\u00e1tor a j\u00f6v\u0151beli \u00e9vekkel?<\/h3><\/summary>\n    <div class=\"io-faq__a\">\n      <p>A m\u00e9g nem ismert \u00e9vekre az infl\u00e1ci\u00f3kalkul\u00e1tor az \u00e1ltalad megadott v\u00e1rhat\u00f3 \u00e1tlagos infl\u00e1ci\u00f3val sz\u00e1mol, a mai d\u00e1tumot k\u00f6vet\u0151 \u00e9vt\u0151l. Alap\u00e9rt\u00e9ke a v\u00e1lasztott orsz\u00e1g jegybankj\u00e1nak infl\u00e1ci\u00f3s c\u00e9lja, Magyarorsz\u00e1gon az MNB 3%-os c\u00e9lja, de b\u00e1rmire \u00e1t\u00edrhatod. A becs\u00fclt \u00e9veket a grafikonon halv\u00e1ny s\u00e1v \u00e9s szaggatott vonal jel\u00f6li. Ez becsl\u00e9s, nem el\u0151rejelz\u00e9s: a t\u00e9nyleges infl\u00e1ci\u00f3 ett\u0151l \u00e9vr\u0151l \u00e9vre jelent\u0151sen elt\u00e9rhet, ahogy 2023-ban is 17.6% lett.<\/p>\n    <\/div>\n  <\/details>\n  <details class=\"io-faq__item\">\n    <summary class=\"io-faq__q\"><h3>Kisz\u00e1molhatom az infl\u00e1ci\u00f3kalkul\u00e1torral a mai p\u00e9nzem r\u00e9gi \u00e9rt\u00e9k\u00e9t is?<\/h3><\/summary>\n    <div class=\"io-faq__a\">\n      <p>Igen. Az infl\u00e1ci\u00f3kalkul\u00e1tor ir\u00e1nyv\u00e1lt\u00f3j\u00e1val a \u201eMai p\u00e9nz \u2192 r\u00e9gi \u00e9rt\u00e9k\u201d \u00e1ll\u00e1sban azt l\u00e1tod, mennyit \u00e9rt volna a mai p\u00e9nzed egy kor\u00e1bbi \u00e9vben. Ilyenkor a grafikon cs\u00f6kken\u0151 g\u00f6rb\u00e9t mutat: \u00e9vr\u0151l \u00e9vre megmutatja, mennyit \u00e9r az adott \u00e9vi \u00f6sszeg a r\u00e9gi \u00e9v \u00e1rain. A \u201eR\u00e9gi p\u00e9nz \u2192 mai \u00e9rt\u00e9k\u201d \u00e1ll\u00e1sban ford\u00edtva, egy r\u00e9gi \u00f6sszeg mai megfelel\u0151j\u00e9t kapod meg.<\/p>\n    <\/div>\n  <\/details>\n  <details class=\"io-faq__item\">\n    <summary class=\"io-faq__q\"><h3>Sz\u00e1molhatok az infl\u00e1ci\u00f3kalkul\u00e1torral saj\u00e1t infl\u00e1ci\u00f3s r\u00e1t\u00e1val?<\/h3><\/summary>\n    <div class=\"io-faq__a\">\n      <p>Igen. Az infl\u00e1ci\u00f3kalkul\u00e1tor R\u00e9szletes be\u00e1ll\u00edt\u00e1sai k\u00f6z\u00f6tt a val\u00f3s adatok helyett egy saj\u00e1t, \u00e1lland\u00f3 r\u00e1t\u00e1t is megadhatsz, amely minden \u00e9vre \u00e9rv\u00e9nyes, a m\u00faltra is. \u00cdgy kipr\u00f3b\u00e1lhatod p\u00e9ld\u00e1ul, mi lett volna, ha az infl\u00e1ci\u00f3 mindig \u00e9vi 5% lett volna. A kalkul\u00e1tor ilyenkor azt is ki\u00edrja, mennyi lett volna az eredm\u00e9ny a val\u00f3s adatokkal.<\/p>\n    <\/div>\n  <\/details>\n  <details class=\"io-faq__item\">\n    <summary class=\"io-faq__q\"><h3>Mi\u00e9rt t\u00e9rhet el a saj\u00e1t infl\u00e1ci\u00f3m att\u00f3l, amit az infl\u00e1ci\u00f3kalkul\u00e1tor mutat?<\/h3><\/summary>\n    <div class=\"io-faq__a\">\n      <p>Az infl\u00e1ci\u00f3kalkul\u00e1tor az orsz\u00e1gos \u00e1tlagos \u00e1rszinttel sz\u00e1mol, vagyis egy \u00e1tlagos h\u00e1ztart\u00e1s fogyaszt\u00f3i kosar\u00e1val. Ha a kiad\u00e1said nagyobb r\u00e9sze megy p\u00e9ld\u00e1ul \u00e9lelmiszerre, energi\u00e1ra vagy lakhat\u00e1sra, \u00e9s ezek az \u00e1tlagn\u00e1l jobban dr\u00e1gultak, a szem\u00e9lyes infl\u00e1ci\u00f3d magasabb lehet a kalkul\u00e1tor \u00e1ltal mutatott \u00e9rt\u00e9kn\u00e9l. Ford\u00edtott esetben alacsonyabb is lehet.<\/p>\n    <\/div>\n  <\/details>\n  <details class=\"io-faq__item\">\n    <summary class=\"io-faq__q\"><h3>Le tudom t\u00f6lteni vagy meg tudom osztani az infl\u00e1ci\u00f3kalkul\u00e1tor eredm\u00e9nyeit?<\/h3><\/summary>\n    <div class=\"io-faq__a\">\n      <p>Igen. Az infl\u00e1ci\u00f3kalkul\u00e1tor grafikonjait PNG-k\u00e9pk\u00e9nt mentheted el, c\u00edmmel \u00e9s forr\u00e1smegjel\u00f6l\u00e9ssel egy\u00fctt. Az \u00e9venk\u00e9nti t\u00e1bl\u00e1zatot CSV-f\u00e1jlk\u00e9nt t\u00f6ltheted le, amelyet a magyar Excel k\u00f6zvetlen\u00fcl megnyit. Az Eredm\u00e9ny megoszt\u00e1sa gombbal pedig egy linket m\u00e1solhatsz, amely pontosan a be\u00e1ll\u00edtott orsz\u00e1ggal, \u00f6sszeggel \u00e9s \u00e9vekkel nyitja meg a kalkul\u00e1tort.<\/p>\n    <\/div>\n  <\/details>\n<\/div>\n<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@graph\": [\n    {\n      \"@type\": \"Article\",\n      \"@id\": \"https:\/\/iocharts.io\/blog\/inflaciokalkulator-ennyit-buksz-lathatatlanul\/#article\",\n      \"mainEntityOfPage\": \"https:\/\/iocharts.io\/blog\/inflaciokalkulator-ennyit-buksz-lathatatlanul\/\",\n      \"headline\": \"Infl\u00e1ci\u00f3kalkul\u00e1tor: ennyit buksz l\u00e1thatatlanul\",\n      \"datePublished\": \"2026-10-19\",\n      \"inLanguage\": \"hu\",\n      \"author\": {\n        \"@id\": \"https:\/\/iocharts.io\/blog\/#\/schema\/person\/e285f855a6a9b806cd03c0b62f1c5831\"\n      },\n      \"publisher\": {\n        \"@id\": \"https:\/\/iocharts.io\/blog\/#organization\"\n      },\n      \"about\": {\n        \"@type\": \"Thing\",\n        \"name\": \"Infl\u00e1ci\u00f3\",\n        \"alternateName\": [\n          \"infl\u00e1ci\u00f3kalkul\u00e1tor\",\n          \"infl\u00e1ci\u00f3s kalkul\u00e1tor\",\n          \"fogyaszt\u00f3i\u00e1r-index\",\n          \"p\u00e9nzroml\u00e1s\",\n          \"v\u00e1s\u00e1rl\u00f3er\u0151\"\n        ],\n        \"description\": \"Az infl\u00e1ci\u00f3, a nomin\u00e1lis hozam \u00e9s a re\u00e1lhozam magyar\u00e1zata, valamint egy interakt\u00edv infl\u00e1ci\u00f3kalkul\u00e1tor a KSH 1989 \u00f3ta m\u00e9rt fogyaszt\u00f3i\u00e1r-index\u00e9vel, az Eurostat \u00e9s a Vil\u00e1gbank adataival az EU-ra, a tag\u00e1llamokra \u00e9s az USA-ra, j\u00f6v\u0151beli becsl\u00e9ssel \u00e9s orsz\u00e1gok k\u00f6z\u00f6tti \u00f6sszevet\u00e9ssel.\"\n      },\n      \"mentions\": [\n        {\n          \"@type\": \"GovernmentOrganization\",\n          \"name\": \"K\u00f6zponti Statisztikai Hivatal\",\n          \"alternateName\": \"KSH\",\n          \"url\": \"https:\/\/www.ksh.hu\/\"\n        },\n        {\n          \"@type\": \"Organization\",\n          \"name\": \"Magyar Nemzeti Bank\",\n          \"alternateName\": \"MNB\",\n          \"url\": \"https:\/\/www.mnb.hu\/\"\n        },\n        {\n          \"@type\": \"GovernmentOrganization\",\n          \"name\": \"Eurostat\",\n          \"url\": \"https:\/\/ec.europa.eu\/eurostat\"\n        },\n        {\n          \"@type\": \"Organization\",\n          \"name\": \"Vil\u00e1gbank\",\n          \"alternateName\": \"World Bank\",\n          \"url\": \"https:\/\/www.worldbank.org\/\"\n        }\n      ],\n      \"citation\": [\n        {\n          \"@type\": \"Dataset\",\n          \"name\": \"KSH STADAT 1.1.1.1. 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Megmutatja, mennyibe ker\u00fclne ma az, amit \u00e9vekkel ezel\u0151tt vett\u00e9l meg, \u00e9s azt is, mennyit vesz\u00edtett a p\u00e9nzed a v\u00e1s\u00e1rl\u00f3erej\u00e9b\u0151l. Az iO Charts infl\u00e1ci\u00f3kalkul\u00e1tora Magyarorsz\u00e1gra a KSH hivatalos adataival sz\u00e1mol 1989-t\u0151l napjainkig, emellett az EU-\u00e1tlagra, a 26 t\u00f6bbi uni\u00f3s tag\u00e1llamra \u00e9s az USA-ra is, a j\u00f6v\u0151re pedig becsl\u00e9st is ad.\"\n          }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"Hogyan m\u0171k\u00f6dik az infl\u00e1ci\u00f3kalkul\u00e1tor?\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"Az infl\u00e1ci\u00f3kalkul\u00e1tor a KSH \u00e9ves fogyaszt\u00f3i\u00e1r-indexeib\u0151l egy \u00e1rszint-id\u0151sort \u00e9p\u00edt, amelyben az 1989-es \u00e1rszint 100. Egy \u00f6sszeg \u00e9rt\u00e9k\u00e9t k\u00e9t \u00e9v k\u00f6z\u00f6tt \u00fagy kapod meg, hogy az \u00f6sszeget megszorozza a k\u00e9t \u00e9v \u00e1rszintj\u00e9nek ar\u00e1ny\u00e1val. Megadod az \u00f6sszeget \u00e9s a k\u00e9t \u00e9vet, a kalkul\u00e1tor pedig ki\u00edrja az \u00f6sszeg megfelel\u0151j\u00e9t, a teljes \u00e1remelked\u00e9st \u00e9s az id\u0151szak \u00e1tlagos \u00e9ves infl\u00e1ci\u00f3j\u00e1t, grafikonnal \u00e9s \u00e9venk\u00e9nti t\u00e1bl\u00e1zattal egy\u00fctt.\"\n          }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"Honnan sz\u00e1rmaznak az infl\u00e1ci\u00f3kalkul\u00e1tor adatai?\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"Magyarorsz\u00e1gra az infl\u00e1ci\u00f3kalkul\u00e1tor a K\u00f6zponti Statisztikai Hivatal (KSH) \u00e9ves fogyaszt\u00f3i\u00e1r-index\u00e9t haszn\u00e1lja. A foly\u00f3 \u00e9v magyar adata el\u0151zetes: az eddig k\u00f6zz\u00e9tett havi adatok \u00e1tlaga, ezt a kalkul\u00e1tor csillaggal jel\u00f6li. Az EU-\u00e1tlag \u00e9s a tag\u00e1llamok adata az Eurostat harmoniz\u00e1lt fogyaszt\u00f3i\u00e1r-indexe (HICP), az USA adata a Vil\u00e1gbank infl\u00e1ci\u00f3s mutat\u00f3ja, amely az IMF adatb\u00e1zis\u00e1n alapul. Az adatforr\u00e1st \u00e9s a friss\u00edt\u00e9s d\u00e1tum\u00e1t orsz\u00e1gonk\u00e9nt a kalkul\u00e1tor alj\u00e1n, a l\u00e1bjegyzetben tal\u00e1lod.\"\n          }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"Mely orsz\u00e1gokra sz\u00e1molhatok az infl\u00e1ci\u00f3kalkul\u00e1torral?\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"Az infl\u00e1ci\u00f3kalkul\u00e1tor orsz\u00e1gv\u00e1laszt\u00f3j\u00e1ban Magyarorsz\u00e1g mellett az EU-27 \u00e1tlaga, mind a 26 t\u00f6bbi uni\u00f3s tag\u00e1llam \u00e9s az USA is szerepel. Az \u00f6sszegek mindig az adott orsz\u00e1g mai p\u00e9nznem\u00e9ben \u00e9rtend\u0151k: forintban, eur\u00f3ban, doll\u00e1rban, illetve p\u00e9ld\u00e1ul cseh koron\u00e1ban vagy zlotyban. Az eur\u00f3\u00f6vezeti orsz\u00e1gokn\u00e1l az eur\u00f3 bevezet\u00e9se el\u0151tti \u00e9vek eur\u00f3ra \u00e1tsz\u00e1m\u00edtva \u00e9rtend\u0151k. Orsz\u00e1gv\u00e1lt\u00e1skor a v\u00e1rhat\u00f3 infl\u00e1ci\u00f3 alap\u00e9rt\u00e9ke az adott jegybank infl\u00e1ci\u00f3s c\u00e9lj\u00e1ra v\u00e1lt, p\u00e9ld\u00e1ul az EKB \u00e9s a Fed eset\u00e9ben 2%-ra.\"\n          }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"Mi\u00e9rt nem 1989-t\u0151l indulnak a k\u00fclf\u00f6ldi adatok az infl\u00e1ci\u00f3kalkul\u00e1torban?\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"Az infl\u00e1ci\u00f3kalkul\u00e1tor mindig onnan indul, ahonnan egys\u00e9ges, val\u00f3s adat van. Az Eurostat harmoniz\u00e1lt indexe a legt\u00f6bb tag\u00e1llamra 1997-t\u0151l k\u00f6zli az \u00e9ves v\u00e1ltoz\u00e1st, ez\u00e9rt ott 1996 a kiindul\u00f3 \u00e9v, Bulg\u00e1ri\u00e1n\u00e1l \u00e9s Szlov\u00e1ki\u00e1n\u00e1l 1997, Horv\u00e1torsz\u00e1gn\u00e1l 1998, az EU-27 \u00e1tlag\u00e1n\u00e1l 2000. A rendszerv\u00e1lt\u00f3 orsz\u00e1gok kor\u00e1bbi \u00e9vein\u00e9l sokszor hi\u00e1nyzik az adat, vagy hiperinfl\u00e1ci\u00f3 \u00e9s valutacsere torz\u00edtja, ez\u00e9rt ezekre nem sz\u00e1molunk. Magyarorsz\u00e1gra a KSH \u00e9s az USA-ra a Vil\u00e1gbank adata 1989-t\u0151l el\u00e9rhet\u0151.\"\n          }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"Hogyan hasonl\u00edthatom \u00f6ssze az orsz\u00e1gok infl\u00e1ci\u00f3j\u00e1t?\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"Az infl\u00e1ci\u00f3kalkul\u00e1tor Orsz\u00e1gok \u00f6sszevet\u00e9se r\u00e9sz\u00e9ben legfeljebb n\u00e9gy orsz\u00e1got v\u00e1laszthatsz, \u00e9s a grafikon a k\u00f6z\u00f6s id\u0151szakban mutatja az \u00e1rszint alakul\u00e1s\u00e1t, a kezd\u0151\u00e9vet 100-nak v\u00e9ve, \u00edgy a p\u00e9nznemt\u0151l f\u00fcggetlen\u00fcl \u00f6sszevethet\u0151k. 2000 \u00e9s 2024 k\u00f6z\u00f6tt p\u00e9ld\u00e1ul Magyarorsz\u00e1gon az \u00e1rszint kb. 3.2-szeres\u00e9re n\u0151tt (\u00e9vi \u00e1tlag 5.0%), az EU-27 \u00e1tlag\u00e1ban \u00e9s az USA-ban kb. 1.8-szoros\u00e1ra (\u00e9vi 2.4% \u00e9s 2.5%), N\u00e9metorsz\u00e1gban kb. 1.6-szoros\u00e1ra (\u00e9vi 2.1%). Az \u00f6sszevet\u00e9s csak val\u00f3s adatot mutat, becsl\u00e9st nem.\"\n          }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"Mennyit \u00e9r ma az 1989-es 100 000 forint?\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"Az infl\u00e1ci\u00f3kalkul\u00e1tor szerint az 1989-ben 100 000 forint\u00e9rt megvett kos\u00e1r 2026-ban \u00e1tlagosan kb. 2.74 milli\u00f3 forintba ker\u00fcl, vagyis az \u00e1rszint t\u00f6bb mint 27-szeres\u00e9re n\u0151tt. Ford\u00edtva: a mai 100 000 forint 1989-es \u00e1rakon csak kb. 3 650 forintot \u00e9rne. A kalkul\u00e1torban b\u00e1rmelyik k\u00e9t \u00e9vet \u00f6sszevetheted, a pontos \u00f6sszeget pedig \u00e9vr\u0151l \u00e9vre is megn\u00e9zheted.\"\n          }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"Mi az infl\u00e1ci\u00f3, \u00e9s hogyan m\u00e9ri a KSH?\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"Az infl\u00e1ci\u00f3 az \u00e1rak \u00e1ltal\u00e1nos \u00e9s tart\u00f3s emelked\u00e9se, amelynek m\u00e1sik oldala a p\u00e9nz v\u00e1s\u00e1rl\u00f3erej\u00e9nek cs\u00f6kken\u00e9se: ugyanannyi forint\u00e9rt id\u0151vel egyre kevesebbet v\u00e1s\u00e1rolhatsz. Magyarorsz\u00e1gon a KSH m\u00e9ri a fogyaszt\u00f3i\u00e1r-indexszel, amely egy \u00e1tlagos h\u00e1ztart\u00e1s v\u00e1s\u00e1rl\u00e1sait t\u00fckr\u00f6z\u0151 fogyaszt\u00f3i kos\u00e1r \u00e1rv\u00e1ltoz\u00e1s\u00e1t k\u00f6veti havonta \u00e9s \u00e9vente. Ha az \u00e9ves infl\u00e1ci\u00f3 4.4%, akkor ami\u00e9rt tavaly 100 000 forintot fizett\u00e9l, az\u00e9rt id\u00e9n \u00e1tlagosan 104 400 forintot kell fizetned.\"\n          }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"Mi a k\u00fcl\u00f6nbs\u00e9g a nomin\u00e1lis hozam \u00e9s a re\u00e1lhozam k\u00f6z\u00f6tt?\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"A nomin\u00e1lis hozam azt mutatja, mennyivel n\u0151tt a p\u00e9nzed forintban, a re\u00e1lhozam pedig azt, mennyivel n\u0151tt a v\u00e1s\u00e1rl\u00f3ereje, vagyis az infl\u00e1ci\u00f3val korrig\u00e1lt hozam. Pontosan \u00edgy sz\u00e1molhatod ki: re\u00e1lhozam = (1 + nomin\u00e1lis hozam) \/ (1 + infl\u00e1ci\u00f3) \u2212 1. Ha 2023-ban egy 10%-os hozam\u00fa megtakar\u00edt\u00e1sban tartottad a p\u00e9nzed, a 17.6%-os infl\u00e1ci\u00f3 miatt re\u00e1l\u00e9rt\u00e9ken kb. 6.5%-ot vesz\u00edtett\u00e9l. Az infl\u00e1ci\u00f3kalkul\u00e1torral megn\u00e9zheted, mekkora hozam kellett volna egy adott id\u0151szakban a v\u00e1s\u00e1rl\u00f3er\u0151d meg\u0151rz\u00e9s\u00e9hez.\"\n          }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"Hogyan sz\u00e1mol az infl\u00e1ci\u00f3kalkul\u00e1tor a j\u00f6v\u0151beli \u00e9vekkel?\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"A m\u00e9g nem ismert \u00e9vekre az infl\u00e1ci\u00f3kalkul\u00e1tor az \u00e1ltalad megadott v\u00e1rhat\u00f3 \u00e1tlagos infl\u00e1ci\u00f3val sz\u00e1mol, a mai d\u00e1tumot k\u00f6vet\u0151 \u00e9vt\u0151l. Alap\u00e9rt\u00e9ke a v\u00e1lasztott orsz\u00e1g jegybankj\u00e1nak infl\u00e1ci\u00f3s c\u00e9lja, Magyarorsz\u00e1gon az MNB 3%-os c\u00e9lja, de b\u00e1rmire \u00e1t\u00edrhatod. A becs\u00fclt \u00e9veket a grafikonon halv\u00e1ny s\u00e1v \u00e9s szaggatott vonal jel\u00f6li. Ez becsl\u00e9s, nem el\u0151rejelz\u00e9s: a t\u00e9nyleges infl\u00e1ci\u00f3 ett\u0151l \u00e9vr\u0151l \u00e9vre jelent\u0151sen elt\u00e9rhet, ahogy 2023-ban is 17.6% lett.\"\n          }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"Kisz\u00e1molhatom az infl\u00e1ci\u00f3kalkul\u00e1torral a mai p\u00e9nzem r\u00e9gi \u00e9rt\u00e9k\u00e9t is?\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"Igen. Az infl\u00e1ci\u00f3kalkul\u00e1tor ir\u00e1nyv\u00e1lt\u00f3j\u00e1val a \u201eMai p\u00e9nz \u2192 r\u00e9gi \u00e9rt\u00e9k\u201d \u00e1ll\u00e1sban azt l\u00e1tod, mennyit \u00e9rt volna a mai p\u00e9nzed egy kor\u00e1bbi \u00e9vben. Ilyenkor a grafikon cs\u00f6kken\u0151 g\u00f6rb\u00e9t mutat: \u00e9vr\u0151l \u00e9vre megmutatja, mennyit \u00e9r az adott \u00e9vi \u00f6sszeg a r\u00e9gi \u00e9v \u00e1rain. A \u201eR\u00e9gi p\u00e9nz \u2192 mai \u00e9rt\u00e9k\u201d \u00e1ll\u00e1sban ford\u00edtva, egy r\u00e9gi \u00f6sszeg mai megfelel\u0151j\u00e9t kapod meg.\"\n          }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"Sz\u00e1molhatok az infl\u00e1ci\u00f3kalkul\u00e1torral saj\u00e1t infl\u00e1ci\u00f3s r\u00e1t\u00e1val?\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"Igen. Az infl\u00e1ci\u00f3kalkul\u00e1tor R\u00e9szletes be\u00e1ll\u00edt\u00e1sai k\u00f6z\u00f6tt a val\u00f3s adatok helyett egy saj\u00e1t, \u00e1lland\u00f3 r\u00e1t\u00e1t is megadhatsz, amely minden \u00e9vre \u00e9rv\u00e9nyes, a m\u00faltra is. \u00cdgy kipr\u00f3b\u00e1lhatod p\u00e9ld\u00e1ul, mi lett volna, ha az infl\u00e1ci\u00f3 mindig \u00e9vi 5% lett volna. A kalkul\u00e1tor ilyenkor azt is ki\u00edrja, mennyi lett volna az eredm\u00e9ny a val\u00f3s adatokkal.\"\n          }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"Mi\u00e9rt t\u00e9rhet el a saj\u00e1t infl\u00e1ci\u00f3m att\u00f3l, amit az infl\u00e1ci\u00f3kalkul\u00e1tor mutat?\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"Az infl\u00e1ci\u00f3kalkul\u00e1tor az orsz\u00e1gos \u00e1tlagos \u00e1rszinttel sz\u00e1mol, vagyis egy \u00e1tlagos h\u00e1ztart\u00e1s fogyaszt\u00f3i kosar\u00e1val. Ha a kiad\u00e1said nagyobb r\u00e9sze megy p\u00e9ld\u00e1ul \u00e9lelmiszerre, energi\u00e1ra vagy lakhat\u00e1sra, \u00e9s ezek az \u00e1tlagn\u00e1l jobban dr\u00e1gultak, a szem\u00e9lyes infl\u00e1ci\u00f3d magasabb lehet a kalkul\u00e1tor \u00e1ltal mutatott \u00e9rt\u00e9kn\u00e9l. Ford\u00edtott esetben alacsonyabb is lehet.\"\n          }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"Le tudom t\u00f6lteni vagy meg tudom osztani az infl\u00e1ci\u00f3kalkul\u00e1tor eredm\u00e9nyeit?\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"Igen. Az infl\u00e1ci\u00f3kalkul\u00e1tor grafikonjait PNG-k\u00e9pk\u00e9nt mentheted el, c\u00edmmel \u00e9s forr\u00e1smegjel\u00f6l\u00e9ssel egy\u00fctt. Az \u00e9venk\u00e9nti t\u00e1bl\u00e1zatot CSV-f\u00e1jlk\u00e9nt t\u00f6ltheted le, amelyet a magyar Excel k\u00f6zvetlen\u00fcl megnyit. Az Eredm\u00e9ny megoszt\u00e1sa gombbal pedig egy linket m\u00e1solhatsz, amely pontosan a be\u00e1ll\u00edtott orsz\u00e1ggal, \u00f6sszeggel \u00e9s \u00e9vekkel nyitja meg a kalkul\u00e1tort.\"\n          }\n        }\n      ]\n    }\n  ]\n}\n<\/script>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"excerpt":{"rendered":"<p>R\u00e9g\u00f3ta tervezem, hogy csin\u00e1ljak egy infl\u00e1ci\u00f3kalkul\u00e1tor jelleg\u0171 megold\u00e1st, amivel kisz\u00e1molhatod, hogyan eszi meg a vagyonodat a l\u00e1thatatlan hozamgyilkos. Az\u00e9rt kell neked is a befektet\u00e9sekkel foglalkoznod, mert ha nem csin\u00e1lsz semmit, akkor is megeszi az infl\u00e1ci\u00f3 a vagyonodat, csak l\u00e1thatatlanul. De mit is jelent az, hogy infl\u00e1ci\u00f3, \u00e9s mi\u00e9rt kell infl\u00e1ci\u00f3kalkul\u00e1tort neked is haszn\u00e1lnod? \ud83d\udd22Csak a [&hellip;]<\/p>\n<div class=\"read-more\"><a href=\"https:\/\/iocharts.io\/blog\/inflaciokalkulator-ennyit-buksz-lathatatlanul\/\" class=\"btn btn-primary btn-lg\">Tov\u00e1bb<\/a><\/div>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"author":2,"featured_media":12728,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[459],"tags":[46,460,461,74],"class_list":["post-12707","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-kalkulatorok","tag-inflacio","tag-inflaciokalkulator","tag-jelenertek","tag-portfolioblogger"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Infl\u00e1ci\u00f3kalkul\u00e1tor: ennyit buksz l\u00e1thatatlanul<\/title>\n<meta name=\"description\" content=\"Ingyenes infl\u00e1ci\u00f3kalkul\u00e1tor: mennyit \u00e9rne ma az 1989-es 100 000 Ft? 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