Na'urar lissafin ritaya
Shin ajiyarku za ta isa? Ku yi hasashen tarin kuɗinku a lokacin ritaya ku kwatanta shi da abin da burin kuɗin shigarku ke buƙata.
Game da Na'urar lissafin ritaya
Shin ajiyarku za ta isa? Ku yi hasashen tarin kuɗinku a lokacin ritaya ku kwatanta shi da abin da burin kuɗin shigarku ke buƙata.
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 ritaya
Abin da yake lissafawa da lokacin amfani da shi
Yana hasashen tukunyar kuɗin ku ta ritaya kuma yana kwatanta ta da tukunyar da kuke buƙata don biyan kuɗin shigar da kuka zaɓa har ƙarshen shirinku, yana nuna duk wani gibi da ƙarin ajiyar wata-wata don rufe shi.
Yadda ake amfani da shi, mataki-mataki
- Shigar da shekarunku, shekarun ritaya da shekarun da za a tsara har zuwa gare su.
- Shigar da abin da kuka ajiye da abin da kuke ajiyewa kowane wata.
- Shigar da riba kafin da bayan ritaya da hauhawar farashi.
- Shigar da kuɗin shigar da kuke so da duk wani kuɗin shiga kamar fanshon gwamnati, a darajar kuɗin yau.
Ma'anar kowace shigarwa
- Income you want – Kowace shekara, a today’s money.
- Other income – Jiha pension ko other guaranteed income, a today’s money.
- Returns – Kowace shekara growth Kafin da Bayan you Tsaya Aiki.
Yadda ake karanta sakamako
- Pot at Ritaya – Projected pot, da the same a today’s money.
- Pot Ana buƙata – The pot that pays your income gap for the planned years.
- Shortfall ko surplus – Pot Ana buƙata compared with your pot, a today’s money.
- ta Ajiye Ƙari Kowanne Lit – The additional Ajiya Ana buƙata zuwa Rufe a gap.
Dabarar lissafi
Pot = savings × (1 + g)^n + monthly × ((1 + g)^n − 1) ÷ g with g the monthly return. Real return after retiring = (1 + return) ÷ (1 + inflation) − 1. Pot needed = income gap × (1 − (1 + real)^−years) ÷ real × (1 + real).
Misali da aka warware
A 35-year-old retiring at 67, planning to 92, with 40,000 saved and 500 a month at 6%, wants 30,000 a year in today’s money and has 11,500 of other income. The pot reaches 818,313, which is 371,326 in today’s money. The pot needed is 390,642, a shortfall of 19,315; saving about 38 more a month closes it.
Zato da iyakoki
- Constant returns da inflation.
- The pot shi ne drawn down evenly a today’s money.
- Haraji shi ne not included. Pensions da withdrawals may be taxable.
Kurakuran da aka saba yi
- Forgetting inflation, which erodes spending Power (ƙarfin lantarki).
- Assuming Ritaya lasts only zuwa Matsakaici life expectancy.
Tambayoyin da ake yawan yi
Nawa nake buƙata?
Ya dogara da kashe kuɗi, sauran kuɗin shiga da tsawon rayuwarku. Sakamakon yana nuna tukunyar da lambobinku suka nuna.
Shin ana amfani da dokar 4%?
A'a. Wannan kayan aiki yana lissafa tukunyar da za ta ƙare kuɗinku a ƙarshen shekarun shirinku. Ana nuna dokar 4% a wasu kayan aiki a matsayin jagora na kusan.
Kayan aiki masu alaƙa
Cikakkun bayanai
- Pot at Ritaya
- £818,313£371,326 a today’s money
- Pot Ana buƙata
- £390,642zuwa take £18,500 a shekara akan 25 shekaru
- Income your pot can Albashi
- £29,085a shekara a today’s money, including other income
- ta Ajiye Ƙari Kowanne Lit
- £38zuwa Rufe the gap
- Jimilla you Albashi in
- £232,000