Geli\u015fmi\u015f FIRE Hesaplay\u0131c\u0131s\u0131<\/title>\n \n <script src=\"https:\/\/cdn.tailwindcss.com\"><\/script>\n \n <script src=\"https:\/\/cdn.jsdelivr.net\/npm\/chart.js@3.9.1\"><\/script>\n <script src=\"https:\/\/cdn.jsdelivr.net\/npm\/chartjs-adapter-date-fns\/dist\/chartjs-adapter-date-fns.bundle.min.js\"><\/script>\n <style>\n \/* Gerekli olabilecek ek stiller *\/\n .form-input {\n @apply w-full px-3 py-2 text-gray-700 border rounded-lg focus:outline-none focus:ring-2 focus:ring-blue-500 bg-gray-100 transition-colors duration-200;\n }\n .form-input:focus {\n @apply bg-white;\n }\n .form-label {\n @apply block text-sm font-medium text-gray-600 mb-1;\n }\n <\/style>\n<\/head>\n<body class=\"bg-gray-200 p-4 sm:p-6 md:p-8\">\n\n<div id=\"fire-calculator-container\" class=\"max-w-7xl mx-auto bg-white p-6 rounded-2xl shadow-xl border border-gray-200\">\n <h1 class=\"text-3xl font-bold text-center text-gray-800 mb-8\">Geli\u015fmi\u015f Finansal \u00d6zg\u00fcrl\u00fck (FIRE) Hesaplay\u0131c\u0131s\u0131<\/h1>\n\n \n <div class=\"bg-white p-6 rounded-xl shadow-lg mb-8\">\n <div class=\"grid grid-cols-1 md:grid-cols-2 lg:grid-cols-4 gap-6\">\n \n \n <div class=\"space-y-4\">\n <h2 class=\"text-lg font-semibold text-gray-700 border-b pb-2\">Finansal Bilgiler<\/h2>\n <div>\n <label for=\"currentAge\" class=\"form-label\">Mevcut Ya\u015f<\/label>\n <input type=\"number\" id=\"currentAge\" class=\"form-input\" value=\"30\">\n <\/div>\n <div>\n <label for=\"initialSavings\" class=\"form-label\">Ba\u015flang\u0131\u00e7 Birikimi ($)<\/label>\n <input type=\"number\" id=\"initialSavings\" class=\"form-input\" value=\"50000\">\n <\/div>\n <div>\n <label for=\"monthlyNetIncome\" class=\"form-label\">Ayl\u0131k Net Gelir ($)<\/label>\n <input type=\"number\" id=\"monthlyNetIncome\" class=\"form-input\" value=\"5000\">\n <\/div>\n <div>\n <label for=\"monthlyExpenses\" class=\"form-label\">Ayl\u0131k Harcama ($)<\/label>\n <input type=\"number\" id=\"monthlyExpenses\" class=\"form-input\" value=\"3000\">\n <\/div>\n <div>\n <label for=\"realIncomeGrowth\" class=\"form-label\">Y\u0131ll\u0131k Reel Gelir Art\u0131\u015f\u0131 (%)<\/label>\n <input type=\"number\" id=\"realIncomeGrowth\" class=\"form-input\" value=\"2\">\n <\/div>\n <\/div>\n\n \n <div class=\"space-y-4\">\n <h2 class=\"text-lg font-semibold text-gray-700 border-b pb-2\">Emeklilik Hedefleri<\/h2>\n <div>\n <label for=\"retirementSpending\" class=\"form-label\">Emeklilikte Ayl\u0131k Harcama ($)<\/label>\n <input type=\"number\" id=\"retirementSpending\" class=\"form-input\" value=\"4000\">\n <\/div>\n <div>\n <label for=\"otherRetirementIncome\" class=\"form-label\">Emeklilikte Di\u011fer Ayl\u0131k Gelirler ($)<\/label>\n <input type=\"number\" id=\"otherRetirementIncome\" class=\"form-input\" value=\"0\">\n <\/div>\n <div>\n <label for=\"otherIncomeStartAge\" class=\"form-label\">Ek Gelir Ba\u015flang\u0131\u00e7 Ya\u015f\u0131<\/label>\n <input type=\"number\" id=\"otherIncomeStartAge\" class=\"form-input\" value=\"65\">\n <\/div>\n <div>\n <label for=\"lifeExpectancy\" class=\"form-label\">Tahmini Ya\u015fam Beklentisi<\/label>\n <input type=\"number\" id=\"lifeExpectancy\" class=\"form-input\" value=\"90\">\n <\/div>\n <div>\n <label for=\"swr\" class=\"form-label\">G\u00fcvenli \u00c7ekim Oran\u0131 (%)<\/label>\n <input type=\"number\" id=\"swr\" class=\"form-input\" value=\"4\">\n <\/div>\n <\/div>\n \n \n <div class=\"space-y-4\">\n <h2 class=\"text-lg font-semibold text-gray-700 border-b pb-2\">Portf\u00f6y Da\u011f\u0131l\u0131m\u0131 (%)<\/h2>\n <div>\n <label for=\"stockAllocation\" class=\"form-label\">Hisse Senedi<\/label>\n <input type=\"number\" id=\"stockAllocation\" class=\"form-input\" value=\"60\">\n <\/div>\n <div>\n <label for=\"bondAllocation\" class=\"form-label\">Tahvil<\/label>\n <input type=\"number\" id=\"bondAllocation\" class=\"form-input\" value=\"20\">\n <\/div>\n <div>\n <label for=\"goldAllocation\" class=\"form-label\">Alt\u0131n<\/label>\n <input type=\"number\" id=\"goldAllocation\" class=\"form-input\" value=\"15\">\n <\/div>\n <div>\n <label for=\"cashAllocation\" class=\"form-label\">Nakit<\/label>\n <input type=\"number\" id=\"cashAllocation\" class=\"form-input\" value=\"5\">\n <\/div>\n <div>\n <label for=\"inflation\" class=\"form-label\">Y\u0131ll\u0131k Enflasyon Oran\u0131 (%)<\/label>\n <input type=\"number\" id=\"inflation\" class=\"form-input\" value=\"3\">\n <\/div>\n <\/div>\n\n \n <div class=\"space-y-4\">\n <h2 class=\"text-lg font-semibold text-gray-700 border-b pb-2\">Ekonomik Varsay\u0131mlar<\/h2>\n <div>\n <label class=\"form-label\">Projeksiyon Metodu<\/label>\n <div class=\"flex items-center space-x-4 mt-2\">\n <label><input type=\"radio\" name=\"projectionMethod\" value=\"fixed\" checked> Sabit Oran<\/label>\n <label><input type=\"radio\" name=\"projectionMethod\" value=\"monte-carlo\"> Monte Carlo<\/label>\n <\/div>\n <\/div>\n \n <div class=\"pt-4 mt-4 border-t\">\n <h3 class=\"text-md font-semibold text-gray-700 mb-2\">Beklenen Y\u0131ll\u0131k Getiriler<\/h3>\n <div id=\"asset-assumptions\" class=\"space-y-3\">\n \n <\/div>\n <\/div>\n\n <div id=\"monte-carlo-options\" class=\"space-y-4\" style=\"display: none;\">\n <div>\n <label for=\"simulationCount\" class=\"form-label\">Sim\u00fclasyon Say\u0131s\u0131<\/label>\n <input type=\"number\" id=\"simulationCount\" class=\"form-input\" value=\"1000\">\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n \n <div class=\"mt-8 text-center\">\n <button id=\"calculateBtn\" class=\"bg-blue-600 hover:bg-blue-700 text-white font-bold py-3 px-10 rounded-lg shadow-md transition-transform transform hover:scale-105\">\n Hesapla\n <\/button>\n <\/div>\n <\/div>\n\n \n <div class=\"bg-white p-6 rounded-xl shadow-lg\">\n <div id=\"loading-indicator\" class=\"text-center py-10\" style=\"display: none;\">\n <p class=\"text-xl text-gray-600\">Sim\u00fclasyonlar \u00e7al\u0131\u015ft\u0131r\u0131l\u0131yor, l\u00fctfen bekleyin…<\/p>\n <\/div>\n <div id=\"results-container\" style=\"display: none;\">\n <div id=\"results-summary\" class=\"mb-6 p-4 bg-blue-50 border border-blue-200 rounded-lg text-gray-700\"><\/div>\n <div class=\"relative h-96\"> \n <canvas id=\"fireChart\"><\/canvas>\n <\/div>\n <\/div>\n <\/div>\n<\/div>\n\n<script>\n\/\/ --- BA\u015eLANGI\u00c7: WORDPRESS UYUMLU \"\u0130NAT\u00c7I\" BA\u015eLATICI ---\nconst checkInterval = 100; \nconst timeout = 5000;\nlet elapsedTime = 0;\n\nconst stubbornInitializer = setInterval(() => {\n const container = document.getElementById('fire-calculator-container');\n elapsedTime += checkInterval;\n\n if (container) {\n clearInterval(stubbornInitializer);\n initializeApp();\n } else if (elapsedTime >= timeout) {\n clearInterval(stubbornInitializer);\n console.error(\"FIRE Hesaplay\u0131c\u0131: Gerekli HTML container ('fire-calculator-container') bulunamad\u0131.\");\n }\n}, checkInterval);\n\/\/ --- SON: WORDPRESS UYUMLU \"\u0130NAT\u00c7I\" BA\u015eLATICI ---\n\nfunction initializeApp() {\n\n \/\/ Varl\u0131k s\u0131n\u0131flar\u0131 ve varsay\u0131lan de\u011ferleri (Dolar bazl\u0131)\n const assetClasses = {\n stock: { label: 'Hisse Senedi', return: 9, stdDev: 18 },\n bond: { label: 'Tahvil', return: 4, stdDev: 5 },\n gold: { label: 'Alt\u0131n', return: 5, stdDev: 15 },\n cash: { label: 'Nakit', return: 2, stdDev: 1 },\n };\n\n const assumptionsContainer = document.getElementById('asset-assumptions');\n Object.keys(assetClasses).forEach(key => {\n const asset = assetClasses[key];\n const fieldset = document.createElement('div');\n fieldset.innerHTML = `\n <p class=\"font-medium text-sm text-gray-600\">${asset.label}<\/p>\n <div class=\"flex space-x-2\">\n <input type=\"number\" id=\"${key}Return\" class=\"form-input text-xs\" value=\"${asset.return}\" title=\"Ortalama Y\u0131ll\u0131k Getiri (%)\">\n <input type=\"number\" id=\"${key}StdDev\" class=\"form-input text-xs std-dev-field\" value=\"${asset.stdDev}\" title=\"Standart Sapma (%)\">\n <\/div>\n `;\n assumptionsContainer.appendChild(fieldset);\n });\n \n \/\/ DOM Elementleri\n const calculateBtn = document.getElementById('calculateBtn');\n const methodRadios = document.querySelectorAll('input[name=\"projectionMethod\"]');\n const monteCarloOptions = document.getElementById('monte-carlo-options');\n const stdDevFields = document.querySelectorAll('.std-dev-field');\n const resultsContainer = document.getElementById('results-container');\n const resultsSummary = document.getElementById('results-summary');\n const loadingIndicator = document.getElementById('loading-indicator');\n\n let fireChart = null;\n\n const toggleMethodOptions = () => {\n const selectedMethod = document.querySelector('input[name=\"projectionMethod\"]:checked').value;\n if (selectedMethod === 'monte-carlo') {\n monteCarloOptions.style.display = 'block';\n stdDevFields.forEach(f => f.style.display = 'block');\n } else {\n monteCarloOptions.style.display = 'none';\n stdDevFields.forEach(f => f.style.display = 'none');\n }\n };\n\n methodRadios.forEach(radio => radio.addEventListener('change', toggleMethodOptions));\n\n calculateBtn.addEventListener('click', () => {\n loadingIndicator.style.display = 'block';\n resultsContainer.style.display = 'none';\n \n setTimeout(() => {\n runSimulation();\n loadingIndicator.style.display = 'none';\n resultsContainer.style.display = 'block';\n }, 50);\n });\n\n toggleMethodOptions();\n\n function randomNormal(mean, stdDev) {\n let u1 = Math.random();\n let u2 = Math.random();\n let z = Math.sqrt(-2.0 * Math.log(u1)) * Math.cos(2.0 * Math.PI * u2);\n return z * stdDev + mean;\n }\n\n function getInputs() {\n const inputs = {\n currentAge: parseInt(document.getElementById('currentAge').value) || 30,\n initialSavings: parseFloat(document.getElementById('initialSavings').value) || 0,\n monthlyNetIncome: parseFloat(document.getElementById('monthlyNetIncome').value) || 0,\n monthlyExpenses: parseFloat(document.getElementById('monthlyExpenses').value) || 0,\n realIncomeGrowth: parseFloat(document.getElementById('realIncomeGrowth').value) \/ 100 || 0,\n retirementSpending: parseFloat(document.getElementById('retirementSpending').value) || 0,\n otherRetirementIncome: parseFloat(document.getElementById('otherRetirementIncome').value) || 0,\n otherIncomeStartAge: parseInt(document.getElementById('otherIncomeStartAge').value) || 65,\n lifeExpectancy: parseInt(document.getElementById('lifeExpectancy').value) || 90,\n swr: parseFloat(document.getElementById('swr').value) \/ 100 || 0.04,\n inflation: parseFloat(document.getElementById('inflation').value) \/ 100 || 0,\n projectionMethod: document.querySelector('input[name=\"projectionMethod\"]:checked').value,\n simulationCount: parseInt(document.getElementById('simulationCount').value) || 1000,\n allocations: {\n stock: parseFloat(document.getElementById('stockAllocation').value) \/ 100 || 0,\n bond: parseFloat(document.getElementById('bondAllocation').value) \/ 100 || 0,\n gold: parseFloat(document.getElementById('goldAllocation').value) \/ 100 || 0,\n cash: parseFloat(document.getElementById('cashAllocation').value) \/ 100 || 0,\n },\n returns: {\n stock: parseFloat(document.getElementById('stockReturn').value) \/ 100 || 0,\n bond: parseFloat(document.getElementById('bondReturn').value) \/ 100 || 0,\n gold: parseFloat(document.getElementById('goldReturn').value) \/ 100 || 0,\n cash: parseFloat(document.getElementById('cashReturn').value) \/ 100 || 0,\n },\n stdDevs: {\n stock: parseFloat(document.getElementById('stockStdDev').value) \/ 100 || 0,\n bond: parseFloat(document.getElementById('bondStdDev').value) \/ 100 || 0,\n gold: parseFloat(document.getElementById('goldStdDev').value) \/ 100 || 0,\n cash: parseFloat(document.getElementById('cashStdDev').value) \/ 100 || 0,\n }\n };\n const totalAllocation = Object.values(inputs.allocations).reduce((sum, val) => sum + val, 0);\n if (totalAllocation > 0) {\n for (const key in inputs.allocations) {\n inputs.allocations[key] \/= totalAllocation;\n }\n }\n return inputs;\n }\n \n function runSimulation() {\n const inputs = getInputs();\n const fireTarget = (inputs.retirementSpending * 12) \/ inputs.swr;\n \n let labels = [];\n for (let age = inputs.currentAge; age <= inputs.lifeExpectancy; age++) {\n labels.push(age);\n }\n\n let results;\n if (inputs.projectionMethod === 'fixed') {\n results = runFixedRateProjection(inputs, fireTarget);\n } else {\n results = runMonteCarloProjection(inputs, fireTarget);\n }\n \n updateChart(labels, results, fireTarget, inputs.projectionMethod);\n updateSummary(results, inputs, fireTarget);\n }\n\n function runFixedRateProjection(inputs, fireTarget) {\n let portfolioHistory = [];\n let currentPortfolio = inputs.initialSavings;\n let yearlyIncome = inputs.monthlyNetIncome * 12;\n let yearlyExpenses = inputs.monthlyExpenses * 12;\n let retirementAge = -1;\n\n const weightedNominalReturn = (inputs.allocations.stock * inputs.returns.stock) +\n (inputs.allocations.bond * inputs.returns.bond) +\n (inputs.allocations.gold * inputs.returns.gold) +\n (inputs.allocations.cash * inputs.returns.cash);\n const weightedRealReturn = ((1 + weightedNominalReturn) \/ (1 + inputs.inflation)) - 1;\n\n for (let age = inputs.currentAge; age <= inputs.lifeExpectancy; age++) {\n if (currentPortfolio < 0) currentPortfolio = 0;\n portfolioHistory.push(currentPortfolio);\n\n let yearlyReturn = currentPortfolio * weightedRealReturn;\n \n if (currentPortfolio >= fireTarget) {\n if (retirementAge === -1) retirementAge = age;\n let yearlyWithdrawal = inputs.retirementSpending * 12;\n let otherIncome = (age >= inputs.otherIncomeStartAge) ? (inputs.otherRetirementIncome * 12) : 0;\n currentPortfolio += yearlyReturn - yearlyWithdrawal + otherIncome;\n } else {\n let yearlyContribution = yearlyIncome - yearlyExpenses;\n currentPortfolio += yearlyReturn + yearlyContribution;\n yearlyIncome *= (1 + inputs.realIncomeGrowth);\n }\n }\n\n return {\n median: portfolioHistory,\n retirementAge: retirementAge\n };\n }\n\n function runMonteCarloProjection(inputs, fireTarget) {\n let allSimulations = [];\n let retirementAges = [];\n\n for (let i = 0; i < inputs.simulationCount; i++) {\n let simPortfolioHistory = [];\n let currentPortfolio = inputs.initialSavings;\n let yearlyIncome = inputs.monthlyNetIncome * 12;\n let yearlyExpenses = inputs.monthlyExpenses * 12;\n let simRetirementAge = -1;\n\n for (let age = inputs.currentAge; age <= inputs.lifeExpectancy; age++) {\n if (currentPortfolio < 0) currentPortfolio = 0;\n simPortfolioHistory.push(currentPortfolio);\n\n const stockReturn = randomNormal(inputs.returns.stock, inputs.stdDevs.stock);\n const bondReturn = randomNormal(inputs.returns.bond, inputs.stdDevs.bond);\n const goldReturn = randomNormal(inputs.returns.gold, inputs.stdDevs.gold);\n const cashReturn = randomNormal(inputs.returns.cash, inputs.stdDevs.cash);\n\n const nominalReturn = (inputs.allocations.stock * stockReturn) +\n (inputs.allocations.bond * bondReturn) +\n (inputs.allocations.gold * goldReturn) +\n (inputs.allocations.cash * cashReturn);\n\n const realReturn = ((1 + nominalReturn) \/ (1 + inputs.inflation)) - 1;\n let yearlyReturnAmount = currentPortfolio * realReturn;\n \n if (currentPortfolio >= fireTarget) {\n if (simRetirementAge === -1) simRetirementAge = age;\n let yearlyWithdrawal = inputs.retirementSpending * 12;\n let otherIncome = (age >= inputs.otherIncomeStartAge) ? (inputs.otherRetirementIncome * 12) : 0;\n currentPortfolio += yearlyReturnAmount - yearlyWithdrawal + otherIncome;\n } else {\n let yearlyContribution = yearlyIncome - yearlyExpenses;\n currentPortfolio += yearlyReturnAmount + yearlyContribution;\n yearlyIncome *= (1 + inputs.realIncomeGrowth);\n }\n }\n allSimulations.push(simPortfolioHistory);\n if (simRetirementAge !== -1) retirementAges.push(simRetirementAge);\n }\n\n let percentiles = { p10: [], p25: [], p50: [], p75: [], p90: [] };\n let years = allSimulations[0].length;\n\n for (let year = 0; year < years; year++) {\n let yearlyValues = allSimulations.map(sim => sim[year]).sort((a, b) => a - b);\n percentiles.p10.push(yearlyValues[Math.floor(yearlyValues.length * 0.10)]);\n percentiles.p25.push(yearlyValues[Math.floor(yearlyValues.length * 0.25)]);\n percentiles.p50.push(yearlyValues[Math.floor(yearlyValues.length * 0.50)]);\n percentiles.p75.push(yearlyValues[Math.floor(yearlyValues.length * 0.75)]);\n percentiles.p90.push(yearlyValues[Math.floor(yearlyValues.length * 0.90)]);\n }\n \n retirementAges.sort((a, b) => a - b);\n const medianRetirementAge = retirementAges.length > 0 ? retirementAges[Math.floor(retirementAges.length * 0.5)] : -1;\n \n const successCount = allSimulations.filter(sim => sim[sim.length - 1] > 0).length;\n const successRate = (successCount \/ inputs.simulationCount) * 100;\n\n return {\n median: percentiles.p50, p10: percentiles.p10, p25: percentiles.p25,\n p75: percentiles.p75, p90: percentiles.p90,\n retirementAge: medianRetirementAge, successRate: successRate\n };\n }\n\n function formatCurrency(value) {\n return '$' + value.toLocaleString('en-US', {minimumFractionDigits: 0, maximumFractionDigits: 0});\n }\n\n function updateChart(labels, data, fireTarget, method) {\n if (fireChart) fireChart.destroy();\n \n const datasets = [];\n if (method === 'monte-carlo') {\n datasets.push({\n label: '10-90 Y\u00fczdelik Dilim', data: data.p90,\n borderColor: 'rgba(180, 210, 255, 0.5)', backgroundColor: 'rgba(180, 210, 255, 0.2)',\n pointRadius: 0, fill: 1,\n });\n datasets.push({\n label: '10. Y\u00fczdelik', data: data.p10,\n pointRadius: 0, borderColor: 'transparent', backgroundColor: 'transparent'\n });\n datasets.push({\n label: '25-75 Y\u00fczdelik Dilim', data: data.p75,\n borderColor: 'rgba(100, 150, 255, 0.6)', backgroundColor: 'rgba(100, 150, 255, 0.3)',\n pointRadius: 0, fill: 3,\n });\n datasets.push({\n label: '25. Y\u00fczdelik', data: data.p25,\n pointRadius: 0, borderColor: 'transparent', backgroundColor: 'transparent'\n });\n }\n \n datasets.push({\n label: method === 'fixed' ? 'Birikim Projeksiyonu' : 'Medyan Birikim (50. Y\u00fczdelik)',\n data: data.median, borderColor: '#1d4ed8', backgroundColor: '#1d4ed8',\n tension: 0.1, borderWidth: 2, pointRadius: 0,\n });\n\n datasets.push({\n label: 'Nihai FIRE Hedefi', data: Array(labels.length).fill(fireTarget),\n borderColor: '#f59e0b', borderWidth: 2, borderDash: [5, 5],\n pointRadius: 0, fill: false,\n });\n\n const ctx = document.getElementById('fireChart').getContext('2d');\n fireChart = new Chart(ctx, {\n type: 'line',\n data: { labels: labels, datasets: datasets },\n options: {\n responsive: true, maintainAspectRatio: false,\n scales: {\n y: {\n ticks: { callback: function(value) { return formatCurrency(value); } },\n title: { display: true, text: 'Portf\u00f6y De\u011feri' }\n },\n x: { title: { display: true, text: 'Ya\u015f' } }\n },\n plugins: {\n tooltip: {\n callbacks: {\n label: function(context) {\n let label = context.dataset.label || '';\n if (label) label += ': ';\n if (context.parsed.y !== null) label += formatCurrency(context.parsed.y);\n return label;\n }\n }\n },\n legend: { position: 'top' }\n }\n }\n });\n }\n\n function updateSummary(data, inputs, fireTarget) {\n var summaryText = '';\n \n var formattedFireTarget = formatCurrency(fireTarget);\n summaryText += '<p><strong>FIRE Hedefiniz:<\/strong> ' + formattedFireTarget + '. Bu, y\u0131ll\u0131k ' + formatCurrency(inputs.retirementSpending * 12) + ' harcama ve %' + (inputs.swr * 100) + ' g\u00fcvenli \u00e7ekim oran\u0131na dayanmaktad\u0131r.<\/p>';\n\n if (data.retirementAge > 0 && data.retirementAge <= inputs.lifeExpectancy) {\n var retirementAgeText = '<strong>' + data.retirementAge + '<\/strong>';\n if(inputs.projectionMethod === 'monte-carlo'){\n retirementAgeText = 'Medyan olarak <strong>' + data.retirementAge + ' ya\u015f\u0131nda<\/strong>';\n }\n summaryText += '<p>Tahmini emeklilik ya\u015f\u0131n\u0131z: ' + retirementAgeText + '. ';\n \n var portfolioAtRetirement = data.median[data.retirementAge - inputs.currentAge];\n summaryText += 'Bu ya\u015fta medyan birikiminizin <strong>' + formatCurrency(portfolioAtRetirement) + '<\/strong> olmas\u0131 bekleniyor.<\/p>';\n } else {\n summaryText += '<p>Mevcut varsay\u0131mlarla, ' + inputs.lifeExpectancy + ' ya\u015f\u0131na kadar finansal ba\u011f\u0131ms\u0131zl\u0131k hedefinize ula\u015fman\u0131z \u00f6ng\u00f6r\u00fclm\u00fcyor.<\/p>';\n }\n\n if (inputs.projectionMethod === 'monte-carlo') {\n summaryText += '<p><strong>Monte Carlo Analizi:<\/strong> ' + inputs.simulationCount + ' farkl\u0131 gelecek senaryosu \u00fczerinden yap\u0131lan sim\u00fclasyonlar\u0131n ba\u015far\u0131 oran\u0131 <strong>%' + data.successRate.toFixed(1) + '<\/strong> olarak hesaplanm\u0131\u015ft\u0131r. Bu oran, ya\u015fam beklentisi sonunda portf\u00f6y\u00fcn\u00fcz\u00fcn s\u0131f\u0131r\u0131n \u00fczerinde kalma olas\u0131l\u0131\u011f\u0131n\u0131 g\u00f6sterir.<\/p>';\n }\n \n resultsSummary.innerHTML = summaryText;\n }\n}\n<\/script>\n\n<\/body>\n<\/html>\n\n","protected":false},"excerpt":{"rendered":"<p>Ne zaman emekli olabilirim ve emekli olmadan \u00f6nce ne kadar s\u00fcre birikim yapmam gerekir? \u0130\u015fte kilit soru bu! Bu interaktif FIRE hesaplay\u0131c\u0131s\u0131n\u0131, kendi verilerinizi girerek…<\/p>\n","protected":false},"author":2,"featured_media":3527,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"advanced_seo_description":"","jetpack_seo_html_title":"","jetpack_seo_noindex":false,"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false}}},"categories":[8,6],"tags":[],"class_list":["post-3521","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finansal-ozgurluk","category-fire","entry","double"],"jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/i0.wp.com\/baytutumlu.com\/wp-content\/uploads\/2025\/06\/f.i.r.e.jpg?fit=1920%2C1080&ssl=1","jetpack-related-posts":[],"jetpack_sharing_enabled":true,"jetpack_likes_enabled":true,"_links":{"self":[{"href":"https:\/\/baytutumlu.com\/index.php\/wp-json\/wp\/v2\/posts\/3521","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/baytutumlu.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/baytutumlu.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/baytutumlu.com\/index.php\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/baytutumlu.com\/index.php\/wp-json\/wp\/v2\/comments?post=3521"}],"version-history":[{"count":3,"href":"https:\/\/baytutumlu.com\/index.php\/wp-json\/wp\/v2\/posts\/3521\/revisions"}],"predecessor-version":[{"id":3524,"href":"https:\/\/baytutumlu.com\/index.php\/wp-json\/wp\/v2\/posts\/3521\/revisions\/3524"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/baytutumlu.com\/index.php\/wp-json\/wp\/v2\/media\/3527"}],"wp:attachment":[{"href":"https:\/\/baytutumlu.com\/index.php\/wp-json\/wp\/v2\/media?parent=3521"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/baytutumlu.com\/index.php\/wp-json\/wp\/v2\/categories?post=3521"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/baytutumlu.com\/index.php\/wp-json\/wp\/v2\/tags?post=3521"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}

{"id":3521,"date":"2025-06-24T13:59:47","date_gmt":"2025-06-24T10:59:47","guid":{"rendered":"https:\/\/baytutumlu.com\/?p=3521"},"modified":"2025-06-24T14:09:47","modified_gmt":"2025-06-24T11:09:47","slug":"gelismis-finansal-ozgurluk-fire-hesaplayicisi","status":"publish","type":"post","link":"https:\/\/baytutumlu.com\/index.php\/2025\/06\/24\/gelismis-finansal-ozgurluk-fire-hesaplayicisi\/","title":{"rendered":"Geli\u015fmi\u015f Finansal \u00d6zg\u00fcrl\u00fck (FIRE) Hesaplay\u0131c\u0131s\u0131"},"content":{"rendered":"\n

Ne zaman emekli olabilirim ve emekli olmadan \u00f6nce ne kadar s\u00fcre birikim yapmam gerekir?<\/p>\n\n\n\n

\u0130\u015fte kilit soru bu! Bu interaktif FIRE hesaplay\u0131c\u0131s\u0131n\u0131, kendi verilerinizi girerek tasarruf oran\u0131 ile emeklilik harcamalar\u0131na ba\u011fl\u0131 olarak ne kadar s\u00fcrede finansal \u00f6zg\u00fcrl\u00fc\u011fe ula\u015fabilece\u011finizi hesaplaman\u0131za yard\u0131mc\u0131 olmas\u0131 i\u00e7in olu\u015fturdum.<\/p>\n\n\n\n

Hem standart oran hem de Monte Carlo sim\u00fclasyonu metodunu kullanarak hesaplama yapabilirsiniz. \u015eimdiden kolay gelsin!<\/p>\n\n\n\n\n\n\n \n \n Geli\u015fmi\u015f FIRE Hesaplay\u0131c\u0131s\u0131<\/title>\n \n <script src=\"https:\/\/cdn.tailwindcss.com\"><\/script>\n \n <script src=\"https:\/\/cdn.jsdelivr.net\/npm\/chart.js@3.9.1\"><\/script>\n <script src=\"https:\/\/cdn.jsdelivr.net\/npm\/chartjs-adapter-date-fns\/dist\/chartjs-adapter-date-fns.bundle.min.js\"><\/script>\n <style>\n \/* Gerekli olabilecek ek stiller *\/\n .form-input {\n @apply w-full px-3 py-2 text-gray-700 border rounded-lg focus:outline-none focus:ring-2 focus:ring-blue-500 bg-gray-100 transition-colors duration-200;\n }\n .form-input:focus {\n @apply bg-white;\n }\n .form-label {\n @apply block text-sm font-medium text-gray-600 mb-1;\n }\n <\/style>\n<\/head>\n<body class=\"bg-gray-200 p-4 sm:p-6 md:p-8\">\n\n<div id=\"fire-calculator-container\" class=\"max-w-7xl mx-auto bg-white p-6 rounded-2xl shadow-xl border border-gray-200\">\n <h1 class=\"text-3xl font-bold text-center text-gray-800 mb-8\">Geli\u015fmi\u015f Finansal \u00d6zg\u00fcrl\u00fck (FIRE) Hesaplay\u0131c\u0131s\u0131<\/h1>\n\n \n <div class=\"bg-white p-6 rounded-xl shadow-lg mb-8\">\n <div class=\"grid grid-cols-1 md:grid-cols-2 lg:grid-cols-4 gap-6\">\n \n \n <div class=\"space-y-4\">\n <h2 class=\"text-lg font-semibold text-gray-700 border-b pb-2\">Finansal Bilgiler<\/h2>\n <div>\n <label for=\"currentAge\" class=\"form-label\">Mevcut Ya\u015f<\/label>\n <input type=\"number\" id=\"currentAge\" class=\"form-input\" value=\"30\">\n <\/div>\n <div>\n <label for=\"initialSavings\" class=\"form-label\">Ba\u015flang\u0131\u00e7 Birikimi ($)<\/label>\n <input type=\"number\" id=\"initialSavings\" class=\"form-input\" value=\"50000\">\n <\/div>\n <div>\n <label for=\"monthlyNetIncome\" class=\"form-label\">Ayl\u0131k Net Gelir ($)<\/label>\n <input type=\"number\" id=\"monthlyNetIncome\" class=\"form-input\" value=\"5000\">\n <\/div>\n <div>\n <label for=\"monthlyExpenses\" class=\"form-label\">Ayl\u0131k Harcama ($)<\/label>\n <input type=\"number\" id=\"monthlyExpenses\" class=\"form-input\" value=\"3000\">\n <\/div>\n <div>\n <label for=\"realIncomeGrowth\" class=\"form-label\">Y\u0131ll\u0131k Reel Gelir Art\u0131\u015f\u0131 (%)<\/label>\n <input type=\"number\" id=\"realIncomeGrowth\" class=\"form-input\" value=\"2\">\n <\/div>\n <\/div>\n\n \n <div class=\"space-y-4\">\n <h2 class=\"text-lg font-semibold text-gray-700 border-b pb-2\">Emeklilik Hedefleri<\/h2>\n <div>\n <label for=\"retirementSpending\" class=\"form-label\">Emeklilikte Ayl\u0131k Harcama ($)<\/label>\n <input type=\"number\" id=\"retirementSpending\" class=\"form-input\" value=\"4000\">\n <\/div>\n <div>\n <label for=\"otherRetirementIncome\" class=\"form-label\">Emeklilikte Di\u011fer Ayl\u0131k Gelirler ($)<\/label>\n <input type=\"number\" id=\"otherRetirementIncome\" class=\"form-input\" value=\"0\">\n <\/div>\n <div>\n <label for=\"otherIncomeStartAge\" class=\"form-label\">Ek Gelir Ba\u015flang\u0131\u00e7 Ya\u015f\u0131<\/label>\n <input type=\"number\" id=\"otherIncomeStartAge\" class=\"form-input\" value=\"65\">\n <\/div>\n <div>\n <label for=\"lifeExpectancy\" class=\"form-label\">Tahmini Ya\u015fam Beklentisi<\/label>\n <input type=\"number\" id=\"lifeExpectancy\" class=\"form-input\" value=\"90\">\n <\/div>\n <div>\n <label for=\"swr\" class=\"form-label\">G\u00fcvenli \u00c7ekim Oran\u0131 (%)<\/label>\n <input type=\"number\" id=\"swr\" class=\"form-input\" value=\"4\">\n <\/div>\n <\/div>\n \n \n <div class=\"space-y-4\">\n <h2 class=\"text-lg font-semibold text-gray-700 border-b pb-2\">Portf\u00f6y Da\u011f\u0131l\u0131m\u0131 (%)<\/h2>\n <div>\n <label for=\"stockAllocation\" class=\"form-label\">Hisse Senedi<\/label>\n <input type=\"number\" id=\"stockAllocation\" class=\"form-input\" value=\"60\">\n <\/div>\n <div>\n <label for=\"bondAllocation\" class=\"form-label\">Tahvil<\/label>\n <input type=\"number\" id=\"bondAllocation\" class=\"form-input\" value=\"20\">\n <\/div>\n <div>\n <label for=\"goldAllocation\" class=\"form-label\">Alt\u0131n<\/label>\n <input type=\"number\" id=\"goldAllocation\" class=\"form-input\" value=\"15\">\n <\/div>\n <div>\n <label for=\"cashAllocation\" class=\"form-label\">Nakit<\/label>\n <input type=\"number\" id=\"cashAllocation\" class=\"form-input\" value=\"5\">\n <\/div>\n <div>\n <label for=\"inflation\" class=\"form-label\">Y\u0131ll\u0131k Enflasyon Oran\u0131 (%)<\/label>\n <input type=\"number\" id=\"inflation\" class=\"form-input\" value=\"3\">\n <\/div>\n <\/div>\n\n \n <div class=\"space-y-4\">\n <h2 class=\"text-lg font-semibold text-gray-700 border-b pb-2\">Ekonomik Varsay\u0131mlar<\/h2>\n <div>\n <label class=\"form-label\">Projeksiyon Metodu<\/label>\n <div class=\"flex items-center space-x-4 mt-2\">\n <label><input type=\"radio\" name=\"projectionMethod\" value=\"fixed\" checked> Sabit Oran<\/label>\n <label><input type=\"radio\" name=\"projectionMethod\" value=\"monte-carlo\"> Monte Carlo<\/label>\n <\/div>\n <\/div>\n \n <div class=\"pt-4 mt-4 border-t\">\n <h3 class=\"text-md font-semibold text-gray-700 mb-2\">Beklenen Y\u0131ll\u0131k Getiriler<\/h3>\n <div id=\"asset-assumptions\" class=\"space-y-3\">\n \n <\/div>\n <\/div>\n\n <div id=\"monte-carlo-options\" class=\"space-y-4\" style=\"display: none;\">\n <div>\n <label for=\"simulationCount\" class=\"form-label\">Sim\u00fclasyon Say\u0131s\u0131<\/label>\n <input type=\"number\" id=\"simulationCount\" class=\"form-input\" value=\"1000\">\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n \n <div class=\"mt-8 text-center\">\n <button id=\"calculateBtn\" class=\"bg-blue-600 hover:bg-blue-700 text-white font-bold py-3 px-10 rounded-lg shadow-md transition-transform transform hover:scale-105\">\n Hesapla\n <\/button>\n <\/div>\n <\/div>\n\n \n <div class=\"bg-white p-6 rounded-xl shadow-lg\">\n <div id=\"loading-indicator\" class=\"text-center py-10\" style=\"display: none;\">\n <p class=\"text-xl text-gray-600\">Sim\u00fclasyonlar \u00e7al\u0131\u015ft\u0131r\u0131l\u0131yor, l\u00fctfen bekleyin…<\/p>\n <\/div>\n <div id=\"results-container\" style=\"display: none;\">\n <div id=\"results-summary\" class=\"mb-6 p-4 bg-blue-50 border border-blue-200 rounded-lg text-gray-700\"><\/div>\n <div class=\"relative h-96\"> \n <canvas id=\"fireChart\"><\/canvas>\n <\/div>\n <\/div>\n <\/div>\n<\/div>\n\n<script>\n\/\/ --- BA\u015eLANGI\u00c7: WORDPRESS UYUMLU \"\u0130NAT\u00c7I\" BA\u015eLATICI ---\nconst checkInterval = 100; \nconst timeout = 5000;\nlet elapsedTime = 0;\n\nconst stubbornInitializer = setInterval(() => {\n const container = document.getElementById('fire-calculator-container');\n elapsedTime += checkInterval;\n\n if (container) {\n clearInterval(stubbornInitializer);\n initializeApp();\n } else if (elapsedTime >= timeout) {\n clearInterval(stubbornInitializer);\n console.error(\"FIRE Hesaplay\u0131c\u0131: Gerekli HTML container ('fire-calculator-container') bulunamad\u0131.\");\n }\n}, checkInterval);\n\/\/ --- SON: WORDPRESS UYUMLU \"\u0130NAT\u00c7I\" BA\u015eLATICI ---\n\nfunction initializeApp() {\n\n \/\/ Varl\u0131k s\u0131n\u0131flar\u0131 ve varsay\u0131lan de\u011ferleri (Dolar bazl\u0131)\n const assetClasses = {\n stock: { label: 'Hisse Senedi', return: 9, stdDev: 18 },\n bond: { label: 'Tahvil', return: 4, stdDev: 5 },\n gold: { label: 'Alt\u0131n', return: 5, stdDev: 15 },\n cash: { label: 'Nakit', return: 2, stdDev: 1 },\n };\n\n const assumptionsContainer = document.getElementById('asset-assumptions');\n Object.keys(assetClasses).forEach(key => {\n const asset = assetClasses[key];\n const fieldset = document.createElement('div');\n fieldset.innerHTML = `\n <p class=\"font-medium text-sm text-gray-600\">${asset.label}<\/p>\n <div class=\"flex space-x-2\">\n <input type=\"number\" id=\"${key}Return\" class=\"form-input text-xs\" value=\"${asset.return}\" title=\"Ortalama Y\u0131ll\u0131k Getiri (%)\">\n <input type=\"number\" id=\"${key}StdDev\" class=\"form-input text-xs std-dev-field\" value=\"${asset.stdDev}\" title=\"Standart Sapma (%)\">\n <\/div>\n `;\n assumptionsContainer.appendChild(fieldset);\n });\n \n \/\/ DOM Elementleri\n const calculateBtn = document.getElementById('calculateBtn');\n const methodRadios = document.querySelectorAll('input[name=\"projectionMethod\"]');\n const monteCarloOptions = document.getElementById('monte-carlo-options');\n const stdDevFields = document.querySelectorAll('.std-dev-field');\n const resultsContainer = document.getElementById('results-container');\n const resultsSummary = document.getElementById('results-summary');\n const loadingIndicator = document.getElementById('loading-indicator');\n\n let fireChart = null;\n\n const toggleMethodOptions = () => {\n const selectedMethod = document.querySelector('input[name=\"projectionMethod\"]:checked').value;\n if (selectedMethod === 'monte-carlo') {\n monteCarloOptions.style.display = 'block';\n stdDevFields.forEach(f => f.style.display = 'block');\n } else {\n monteCarloOptions.style.display = 'none';\n stdDevFields.forEach(f => f.style.display = 'none');\n }\n };\n\n methodRadios.forEach(radio => radio.addEventListener('change', toggleMethodOptions));\n\n calculateBtn.addEventListener('click', () => {\n loadingIndicator.style.display = 'block';\n resultsContainer.style.display = 'none';\n \n setTimeout(() => {\n runSimulation();\n loadingIndicator.style.display = 'none';\n resultsContainer.style.display = 'block';\n }, 50);\n });\n\n toggleMethodOptions();\n\n function randomNormal(mean, stdDev) {\n let u1 = Math.random();\n let u2 = Math.random();\n let z = Math.sqrt(-2.0 * Math.log(u1)) * Math.cos(2.0 * Math.PI * u2);\n return z * stdDev + mean;\n }\n\n function getInputs() {\n const inputs = {\n currentAge: parseInt(document.getElementById('currentAge').value) || 30,\n initialSavings: parseFloat(document.getElementById('initialSavings').value) || 0,\n monthlyNetIncome: parseFloat(document.getElementById('monthlyNetIncome').value) || 0,\n monthlyExpenses: parseFloat(document.getElementById('monthlyExpenses').value) || 0,\n realIncomeGrowth: parseFloat(document.getElementById('realIncomeGrowth').value) \/ 100 || 0,\n retirementSpending: parseFloat(document.getElementById('retirementSpending').value) || 0,\n otherRetirementIncome: parseFloat(document.getElementById('otherRetirementIncome').value) || 0,\n otherIncomeStartAge: parseInt(document.getElementById('otherIncomeStartAge').value) || 65,\n lifeExpectancy: parseInt(document.getElementById('lifeExpectancy').value) || 90,\n swr: parseFloat(document.getElementById('swr').value) \/ 100 || 0.04,\n inflation: parseFloat(document.getElementById('inflation').value) \/ 100 || 0,\n projectionMethod: document.querySelector('input[name=\"projectionMethod\"]:checked').value,\n simulationCount: parseInt(document.getElementById('simulationCount').value) || 1000,\n allocations: {\n stock: parseFloat(document.getElementById('stockAllocation').value) \/ 100 || 0,\n bond: parseFloat(document.getElementById('bondAllocation').value) \/ 100 || 0,\n gold: parseFloat(document.getElementById('goldAllocation').value) \/ 100 || 0,\n cash: parseFloat(document.getElementById('cashAllocation').value) \/ 100 || 0,\n },\n returns: {\n stock: parseFloat(document.getElementById('stockReturn').value) \/ 100 || 0,\n bond: parseFloat(document.getElementById('bondReturn').value) \/ 100 || 0,\n gold: parseFloat(document.getElementById('goldReturn').value) \/ 100 || 0,\n cash: parseFloat(document.getElementById('cashReturn').value) \/ 100 || 0,\n },\n stdDevs: {\n stock: parseFloat(document.getElementById('stockStdDev').value) \/ 100 || 0,\n bond: parseFloat(document.getElementById('bondStdDev').value) \/ 100 || 0,\n gold: parseFloat(document.getElementById('goldStdDev').value) \/ 100 || 0,\n cash: parseFloat(document.getElementById('cashStdDev').value) \/ 100 || 0,\n }\n };\n const totalAllocation = Object.values(inputs.allocations).reduce((sum, val) => sum + val, 0);\n if (totalAllocation > 0) {\n for (const key in inputs.allocations) {\n inputs.allocations[key] \/= totalAllocation;\n }\n }\n return inputs;\n }\n \n function runSimulation() {\n const inputs = getInputs();\n const fireTarget = (inputs.retirementSpending * 12) \/ inputs.swr;\n \n let labels = [];\n for (let age = inputs.currentAge; age <= inputs.lifeExpectancy; age++) {\n labels.push(age);\n }\n\n let results;\n if (inputs.projectionMethod === 'fixed') {\n results = runFixedRateProjection(inputs, fireTarget);\n } else {\n results = runMonteCarloProjection(inputs, fireTarget);\n }\n \n updateChart(labels, results, fireTarget, inputs.projectionMethod);\n updateSummary(results, inputs, fireTarget);\n }\n\n function runFixedRateProjection(inputs, fireTarget) {\n let portfolioHistory = [];\n let currentPortfolio = inputs.initialSavings;\n let yearlyIncome = inputs.monthlyNetIncome * 12;\n let yearlyExpenses = inputs.monthlyExpenses * 12;\n let retirementAge = -1;\n\n const weightedNominalReturn = (inputs.allocations.stock * inputs.returns.stock) +\n (inputs.allocations.bond * inputs.returns.bond) +\n (inputs.allocations.gold * inputs.returns.gold) +\n (inputs.allocations.cash * inputs.returns.cash);\n const weightedRealReturn = ((1 + weightedNominalReturn) \/ (1 + inputs.inflation)) - 1;\n\n for (let age = inputs.currentAge; age <= inputs.lifeExpectancy; age++) {\n if (currentPortfolio < 0) currentPortfolio = 0;\n portfolioHistory.push(currentPortfolio);\n\n let yearlyReturn = currentPortfolio * weightedRealReturn;\n \n if (currentPortfolio >= fireTarget) {\n if (retirementAge === -1) retirementAge = age;\n let yearlyWithdrawal = inputs.retirementSpending * 12;\n let otherIncome = (age >= inputs.otherIncomeStartAge) ? (inputs.otherRetirementIncome * 12) : 0;\n currentPortfolio += yearlyReturn - yearlyWithdrawal + otherIncome;\n } else {\n let yearlyContribution = yearlyIncome - yearlyExpenses;\n currentPortfolio += yearlyReturn + yearlyContribution;\n yearlyIncome *= (1 + inputs.realIncomeGrowth);\n }\n }\n\n return {\n median: portfolioHistory,\n retirementAge: retirementAge\n };\n }\n\n function runMonteCarloProjection(inputs, fireTarget) {\n let allSimulations = [];\n let retirementAges = [];\n\n for (let i = 0; i < inputs.simulationCount; i++) {\n let simPortfolioHistory = [];\n let currentPortfolio = inputs.initialSavings;\n let yearlyIncome = inputs.monthlyNetIncome * 12;\n let yearlyExpenses = inputs.monthlyExpenses * 12;\n let simRetirementAge = -1;\n\n for (let age = inputs.currentAge; age <= inputs.lifeExpectancy; age++) {\n if (currentPortfolio < 0) currentPortfolio = 0;\n simPortfolioHistory.push(currentPortfolio);\n\n const stockReturn = randomNormal(inputs.returns.stock, inputs.stdDevs.stock);\n const bondReturn = randomNormal(inputs.returns.bond, inputs.stdDevs.bond);\n const goldReturn = randomNormal(inputs.returns.gold, inputs.stdDevs.gold);\n const cashReturn = randomNormal(inputs.returns.cash, inputs.stdDevs.cash);\n\n const nominalReturn = (inputs.allocations.stock * stockReturn) +\n (inputs.allocations.bond * bondReturn) +\n (inputs.allocations.gold * goldReturn) +\n (inputs.allocations.cash * cashReturn);\n\n const realReturn = ((1 + nominalReturn) \/ (1 + inputs.inflation)) - 1;\n let yearlyReturnAmount = currentPortfolio * realReturn;\n \n if (currentPortfolio >= fireTarget) {\n if (simRetirementAge === -1) simRetirementAge = age;\n let yearlyWithdrawal = inputs.retirementSpending * 12;\n let otherIncome = (age >= inputs.otherIncomeStartAge) ? (inputs.otherRetirementIncome * 12) : 0;\n currentPortfolio += yearlyReturnAmount - yearlyWithdrawal + otherIncome;\n } else {\n let yearlyContribution = yearlyIncome - yearlyExpenses;\n currentPortfolio += yearlyReturnAmount + yearlyContribution;\n yearlyIncome *= (1 + inputs.realIncomeGrowth);\n }\n }\n allSimulations.push(simPortfolioHistory);\n if (simRetirementAge !== -1) retirementAges.push(simRetirementAge);\n }\n\n let percentiles = { p10: [], p25: [], p50: [], p75: [], p90: [] };\n let years = allSimulations[0].length;\n\n for (let year = 0; year < years; year++) {\n let yearlyValues = allSimulations.map(sim => sim[year]).sort((a, b) => a - b);\n percentiles.p10.push(yearlyValues[Math.floor(yearlyValues.length * 0.10)]);\n percentiles.p25.push(yearlyValues[Math.floor(yearlyValues.length * 0.25)]);\n percentiles.p50.push(yearlyValues[Math.floor(yearlyValues.length * 0.50)]);\n percentiles.p75.push(yearlyValues[Math.floor(yearlyValues.length * 0.75)]);\n percentiles.p90.push(yearlyValues[Math.floor(yearlyValues.length * 0.90)]);\n }\n \n retirementAges.sort((a, b) => a - b);\n const medianRetirementAge = retirementAges.length > 0 ? retirementAges[Math.floor(retirementAges.length * 0.5)] : -1;\n \n const successCount = allSimulations.filter(sim => sim[sim.length - 1] > 0).length;\n const successRate = (successCount \/ inputs.simulationCount) * 100;\n\n return {\n median: percentiles.p50, p10: percentiles.p10, p25: percentiles.p25,\n p75: percentiles.p75, p90: percentiles.p90,\n retirementAge: medianRetirementAge, successRate: successRate\n };\n }\n\n function formatCurrency(value) {\n return '$' + value.toLocaleString('en-US', {minimumFractionDigits: 0, maximumFractionDigits: 0});\n }\n\n function updateChart(labels, data, fireTarget, method) {\n if (fireChart) fireChart.destroy();\n \n const datasets = [];\n if (method === 'monte-carlo') {\n datasets.push({\n label: '10-90 Y\u00fczdelik Dilim', data: data.p90,\n borderColor: 'rgba(180, 210, 255, 0.5)', backgroundColor: 'rgba(180, 210, 255, 0.2)',\n pointRadius: 0, fill: 1,\n });\n datasets.push({\n label: '10. Y\u00fczdelik', data: data.p10,\n pointRadius: 0, borderColor: 'transparent', backgroundColor: 'transparent'\n });\n datasets.push({\n label: '25-75 Y\u00fczdelik Dilim', data: data.p75,\n borderColor: 'rgba(100, 150, 255, 0.6)', backgroundColor: 'rgba(100, 150, 255, 0.3)',\n pointRadius: 0, fill: 3,\n });\n datasets.push({\n label: '25. Y\u00fczdelik', data: data.p25,\n pointRadius: 0, borderColor: 'transparent', backgroundColor: 'transparent'\n });\n }\n \n datasets.push({\n label: method === 'fixed' ? 'Birikim Projeksiyonu' : 'Medyan Birikim (50. Y\u00fczdelik)',\n data: data.median, borderColor: '#1d4ed8', backgroundColor: '#1d4ed8',\n tension: 0.1, borderWidth: 2, pointRadius: 0,\n });\n\n datasets.push({\n label: 'Nihai FIRE Hedefi', data: Array(labels.length).fill(fireTarget),\n borderColor: '#f59e0b', borderWidth: 2, borderDash: [5, 5],\n pointRadius: 0, fill: false,\n });\n\n const ctx = document.getElementById('fireChart').getContext('2d');\n fireChart = new Chart(ctx, {\n type: 'line',\n data: { labels: labels, datasets: datasets },\n options: {\n responsive: true, maintainAspectRatio: false,\n scales: {\n y: {\n ticks: { callback: function(value) { return formatCurrency(value); } },\n title: { display: true, text: 'Portf\u00f6y De\u011feri' }\n },\n x: { title: { display: true, text: 'Ya\u015f' } }\n },\n plugins: {\n tooltip: {\n callbacks: {\n label: function(context) {\n let label = context.dataset.label || '';\n if (label) label += ': ';\n if (context.parsed.y !== null) label += formatCurrency(context.parsed.y);\n return label;\n }\n }\n },\n legend: { position: 'top' }\n }\n }\n });\n }\n\n function updateSummary(data, inputs, fireTarget) {\n var summaryText = '';\n \n var formattedFireTarget = formatCurrency(fireTarget);\n summaryText += '<p><strong>FIRE Hedefiniz:<\/strong> ' + formattedFireTarget + '. Bu, y\u0131ll\u0131k ' + formatCurrency(inputs.retirementSpending * 12) + ' harcama ve %' + (inputs.swr * 100) + ' g\u00fcvenli \u00e7ekim oran\u0131na dayanmaktad\u0131r.<\/p>';\n\n if (data.retirementAge > 0 && data.retirementAge <= inputs.lifeExpectancy) {\n var retirementAgeText = '<strong>' + data.retirementAge + '<\/strong>';\n if(inputs.projectionMethod === 'monte-carlo'){\n retirementAgeText = 'Medyan olarak <strong>' + data.retirementAge + ' ya\u015f\u0131nda<\/strong>';\n }\n summaryText += '<p>Tahmini emeklilik ya\u015f\u0131n\u0131z: ' + retirementAgeText + '. ';\n \n var portfolioAtRetirement = data.median[data.retirementAge - inputs.currentAge];\n summaryText += 'Bu ya\u015fta medyan birikiminizin <strong>' + formatCurrency(portfolioAtRetirement) + '<\/strong> olmas\u0131 bekleniyor.<\/p>';\n } else {\n summaryText += '<p>Mevcut varsay\u0131mlarla, ' + inputs.lifeExpectancy + ' ya\u015f\u0131na kadar finansal ba\u011f\u0131ms\u0131zl\u0131k hedefinize ula\u015fman\u0131z \u00f6ng\u00f6r\u00fclm\u00fcyor.<\/p>';\n }\n\n if (inputs.projectionMethod === 'monte-carlo') {\n summaryText += '<p><strong>Monte Carlo Analizi:<\/strong> ' + inputs.simulationCount + ' farkl\u0131 gelecek senaryosu \u00fczerinden yap\u0131lan sim\u00fclasyonlar\u0131n ba\u015far\u0131 oran\u0131 <strong>%' + data.successRate.toFixed(1) + '<\/strong> olarak hesaplanm\u0131\u015ft\u0131r. Bu oran, ya\u015fam beklentisi sonunda portf\u00f6y\u00fcn\u00fcz\u00fcn s\u0131f\u0131r\u0131n \u00fczerinde kalma olas\u0131l\u0131\u011f\u0131n\u0131 g\u00f6sterir.<\/p>';\n }\n \n resultsSummary.innerHTML = summaryText;\n }\n}\n<\/script>\n\n<\/body>\n<\/html>\n\n","protected":false},"excerpt":{"rendered":"<p>Ne zaman emekli olabilirim ve emekli olmadan \u00f6nce ne kadar s\u00fcre birikim yapmam gerekir? \u0130\u015fte kilit soru bu! Bu interaktif FIRE hesaplay\u0131c\u0131s\u0131n\u0131, kendi verilerinizi girerek…<\/p>\n","protected":false},"author":2,"featured_media":3527,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"advanced_seo_description":"","jetpack_seo_html_title":"","jetpack_seo_noindex":false,"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false}}},"categories":[8,6],"tags":[],"class_list":["post-3521","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finansal-ozgurluk","category-fire","entry","double"],"jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/i0.wp.com\/baytutumlu.com\/wp-content\/uploads\/2025\/06\/f.i.r.e.jpg?fit=1920%2C1080&ssl=1","jetpack-related-posts":[],"jetpack_sharing_enabled":true,"jetpack_likes_enabled":true,"_links":{"self":[{"href":"https:\/\/baytutumlu.com\/index.php\/wp-json\/wp\/v2\/posts\/3521","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/baytutumlu.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/baytutumlu.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/baytutumlu.com\/index.php\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/baytutumlu.com\/index.php\/wp-json\/wp\/v2\/comments?post=3521"}],"version-history":[{"count":3,"href":"https:\/\/baytutumlu.com\/index.php\/wp-json\/wp\/v2\/posts\/3521\/revisions"}],"predecessor-version":[{"id":3524,"href":"https:\/\/baytutumlu.com\/index.php\/wp-json\/wp\/v2\/posts\/3521\/revisions\/3524"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/baytutumlu.com\/index.php\/wp-json\/wp\/v2\/media\/3527"}],"wp:attachment":[{"href":"https:\/\/baytutumlu.com\/index.php\/wp-json\/wp\/v2\/media?parent=3521"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/baytutumlu.com\/index.php\/wp-json\/wp\/v2\/categories?post=3521"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/baytutumlu.com\/index.php\/wp-json\/wp\/v2\/tags?post=3521"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}