Na'urar lissafin fansho (UK)
Kimanta tarin fansho na defined-contribution da kuɗin shigarsa, ko fanshon final-salary daga shekarun aiki.
Game da Na'urar lissafin fansho (UK)
Kimanta tarin fansho na defined-contribution da kuɗin shigarsa, ko fanshon final-salary daga shekarun aiki.
Ɓangare ne na sashen “Ritaya” na SmartCalcy. Yana aiki a burauzar ku ba tare da asusu ba, yana amfani da kuɗinku da ma'aunanku (canza su a saman shafin), kuma yana ba da ƙiyasi don bayani kawai, don haka duba jagorar hukuma kafin ku dogara da sakamako.
Yadda ake amfani da Na'urar lissafin fansho (UK)
Abin da yake lissafawa da lokacin amfani da shi
Yana ƙiyasta fanshon wurin aiki na Birtaniya: ko dai tukunyar da za ku iya tarawa tare da gudummawar ma'aikaci da mai ɗaukar aiki, ko fansho na shekara daga tsarin final-salary.
Yadda ake amfani da shi, mataki-mataki
- Zaɓi tukunyar da kuke tarawa ko tsarin final-salary.
- Ga tukunya, shigar da albashinku, shekarunku, shekarun ritaya, tukunyar yanzu, gudummawa, haɓaka, caji, ƙarin albashi da hauhawar farashi.
- Ga final salary, shigar da albashinku, shekarun da kuka yi a cikin tsarin da kashin tarawa (accrual rate).
Ma'anar kowace shigarwa
- You pay in da employer zai biya in – Percentages na pay. UK auto-enrolment minimum shi ne 8% a total.
- Charges – Kowace shekara fund da ta platform charges, taken from grow.
- Accrual kashi – The fraction of salary earned as pension for each year of service.
Yadda ake karanta sakamako
- Pot at Ritaya – Projected pot da its value a today’s money.
- Tax-free lump Jimilla – Up zuwa 25% na the pot.
- Pension kowace shekara – For final salary: salary × years ÷ accrual denominator.
Dabarar lissafi
Pot: each year balance = balance × (1 + growth − charges) + contributions × (1 + (growth − charges) ÷ 2). Final salary pension = final salary × years of service ÷ accrual denominator.
Misali da aka warware
A 40,000 salary at age 35, retiring at 67, 5% employee plus 3% employer, 20,000 pot, 5% growth less 0.5% charges and 2.5% pay rises. The pot is about 390,386, or 177,146 in today’s money, with a tax-free lump sum up to 97,596.
Zato da iyakoki
- Constant returns da Albashi rises.
- Tax relief and any salary sacrifice are not modelled; contributions are taken as stated.
- The 25% tax-free limit shi ne capped at 268,275 akan most people.
Kurakuran da aka saba yi
- Forgetting that pension income shi ne taxable.
- Ignoring charges, which compound over decades.
Tambayoyin da ake yawan yi
Mene ne mafi ƙarancin gudummawa?
Ƙarƙashin auto-enrolment na Birtaniya, jimillar mafi ƙaranci ita ce 8% na kuɗin shigar da ya cancanta, har da aƙalla 3% daga mai ɗaukar aiki.
Me ke canzawa daga Afrilu 2027?
Gwamnati ta sanar cewa yawancin kuɗaɗen fansho da ba a yi amfani da su ba za a ƙidaya su cikin gado don harajin gado daga 6 ga Afrilu 2027. Duba GOV.UK don sabon bayani.
Dated rules: UK tax year 2026 to 2027 (6 April 2026 to 5 April 2027), from GOV.UK. Rates and thresholds change each year, so check GOV.UK before relying on a figure.
Kayan aiki masu alaƙa
Cikakkun bayanai
- Shekaru An biya a over the
- £174,081
- Tax-free lump Jimilla, up zuwa 25%
- £97,596
- Remaining pot
- £292,789
- Income at 4% from the remaining pot
- £11,712a shekara, Kafin haraji
- Iri ɗaya, a today’s money
- £5,314