Keşke calculator
An amount and a start month: what it would be worth today in gold, USD, EUR, BIST 100, government bonds and a deposit, after inflation.
Putting 1,000 TL every month from January 2020 to September 2026 (81 payments, 81,000 TL in total; 345,320 TL at September 2026 prices) would now be worth, at September 2026 average levels: gold 569,844 TL (+65.0% after inflation), BIST 100 382,753 TL (+10.8% after inflation), EUR 260,111 TL (−24.7% after inflation), USD 254,834 TL (−26.2% after inflation), deposit 246,224 TL (−28.7% after inflation), bonds 153,136 TL (−55.7% after inflation). Kept as TL cash, the same payments would be 81,000 TL (−76.5% after inflation). Source: TÜİK; not investment advice.
Month by month (in September 2026 lira; dashed: paid in). All on one scale: 0 – 735K TL.
Table
| Asset | Value (September 2026) | Real return | Nominal return | Real gain |
|---|---|---|---|---|
| Gold bullion | 569,844 TL | +65.0% | +603.5% | 224,524 TL |
| BIST 100 index | 382,753 TL | +10.8% | +372.5% | 37,433 TL |
| Euro | 260,111 TL | −24.7% | +221.1% | −85,209 TL |
| US dollar | 254,834 TL | −26.2% | +214.6% | −90,486 TL |
| TL deposit | 246,224 TL | −28.7% | +204.0% | −99,096 TL |
| Government bonds (DİBS) | 153,136 TL | −55.7% | +89.1% | −192,183 TL |
| TL cash | 81,000 TL | −76.5% | 0.0% | −264,320 TL |
Source: TÜİK (Turkish Statistical Institute), real rates of return of financial investment instruments. Data from January 1997 to September 2026. Past returns don't predict future returns; this is not investment advice. Deposits are gross, BIST 100 excludes dividends; no fees, buy-sell spreads or taxes.
Use it in ChatGPT
Keşke is a ChatGPT plugin. Type one of these; the answer comes with a chart, and you can change the amount and dates in the card:
- “With Keşke: if I had put 5,000 TL a month into gold since 2020, what would it be worth today?”
- “Keşke: what would 100,000 TL put into US dollars in 2018 be worth now, after inflation?”
- “Keşke: real returns of gold, dollar, BIST 100 and deposits over the last 12 months?”