ráðstöfunartekjum

Ráðstöfunartekjum, often translated as disposable income, refers to the amount of money an individual or household has left after taxes and other mandatory deductions have been subtracted from their gross income. This is the money that is available for spending or saving.

The calculation of disposable income typically involves taking the total income earned from all sources, such as wages, salaries, investments, and pensions. From this gross income, taxes like income tax, property tax, and social security contributions are deducted. Other mandatory payments, such as certain insurance premiums or court-ordered payments, may also be subtracted.

Disposable income is a key indicator of economic well-being and consumer spending power. A higher level of disposable income generally suggests a greater capacity for individuals to purchase goods and services, invest, or save for future financial goals. Conversely, a lower disposable income may indicate financial strain and a reduced ability to participate in the economy beyond essential needs. Economists and policymakers frequently analyze disposable income trends to understand consumer behavior, forecast economic growth, and assess the impact of fiscal policies. Changes in tax rates, social security contributions, and inflation can all significantly affect the level of disposable income available to households.