Na'urar lissafin fa'idodin Social Security
Kimanta fa'idar ritaya ta Social Security na Amurka daga kuɗin shigar rayuwarku da shekarun da kuka nema.
Game da Na'urar lissafin fa'idodin Social Security
Kimanta fa'idar ritaya ta Social Security na Amurka daga kuɗin shigar rayuwarku da shekarun da kuka nema.
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 fa'idodin Social Security
Abin da yake lissafawa da lokacin amfani da shi
Yana ƙiyasta fa'idar ritaya ta Social Security na Amurka daga matsakaicin kuɗin shigarku da shekarun da kuka fara karɓa, kuma yana nuna yadda karɓa da wuri ko a makare ke canza ta.
Yadda ake amfani da shi, mataki-mataki
- Shigar da matsakaicin kuɗin shigarku na shekara da shekarun da kuka yi aiki.
- Shigar da shekarar haihuwarku, wadda ke saita cikakkun shekarun ritayarku.
- Shigar da shekarun da kuke shirin fara karɓa, daga 62 zuwa 70.
Ma'anar kowace shigarwa
- Matsakaici Kowace shekara earnings – Shekaru Inflation-adjusted earnings averaged over working.
- Shekaru worked – Up to 35 years count. Fewer years add zero-earning years.
- Claiming age – 62 zuwa 70.
Yadda ake karanta sakamako
- Kowane wata benefit – The estimated payment at your claiming age.
- Cika Ritaya age benefit (PIA) – The benefit if you claim at your full retirement age.
- Claiming age Tebur – The Kowane wata da Kowace shekara benefit at different ages.
Dabarar lissafi
AIME = yearly earnings × min(years, 35) ÷ 35 ÷ 12. PIA = 90% of AIME up to 1,286 + 32% from 1,286 to 7,749 + 15% above 7,749 (2026 bend points). Claiming early reduces it by 5/9 of 1% a month for 36 months and 5/12 of 1% beyond. Delaying past full retirement age adds 2/3 of 1% a month, up to age 70.
Misali da aka warware
Average earnings of 70,000 over 35 years give an AIME of 5,833 and a PIA of 2,612 a month. Claiming at 62 pays about 1,829 a month and waiting until 70 pays about 3,239.
Zato da iyakoki
- Earnings are already indexed. The real calculation indexes your 35 highest years.
- No cost-of-living adjustments, taxes ko Medicare premiums.
- Your actual benefit may differ; use your my Social Security account.
Kurakuran da aka saba yi
- Assuming each year of lower earnings has no effect. Missing years count as zero.
- Claiming early without considering the permanent reduction.
Tambayoyin da ake yawan yi
Mene ne cikakkun shekarun ritaya (full retirement age)?
67 ga mutanen da aka haifa a 1960 ko bayan haka, kuma 66 zuwa 66 da watanni 10 ga waɗanda aka haifa tsakanin 1954 da 1959.
Shin in jinkirta?
Ya dogara da lafiya, sauran kuɗin shiga da ko kuna da aure. Jinkirtawa yana ƙara biyan har abada amma kuna karɓar sa na shekaru kaɗan.
Dated rules: US federal figures for tax year 2026 (IRS Rev. Proc. 2025-32 and IRS notices). These calculators are estimates for planning, not tax advice.
Kayan aiki masu alaƙa
Cikakkun bayanai
- Matsakaici indexed Kowane wata earnings
- £5,833
- Benefit at cika Ritaya age
- £2,612age 67
- Claiming adjustment
- 0%
By claiming age
| Age | Kowane wata | Kowace shekara |
|---|---|---|
| 62 | £1,829 | £21,944 |
| 64 | £2,090 | £25,079 |
| 66 | £2,438 | £29,259 |
| 67 | £2,612 | £31,349 |
| 68 | £2,821 | £33,857 |
| 70 | £3,239 | £38,873 |