Pensiun calculator
Will your savings last? Project your pot Pada Pensiun dan compare it with the pot your income goal needs.
Tentang Pensiun calculator
Will your savings last? Project your pot Pada Pensiun dan compare it with the pot your income goal needs.
Bagian dari bagian “Pensiun” SmartCalcy. Berjalan di peramban Anda tanpa akun, memakai mata uang dan satuan Anda sendiri (ubah di bagian atas halaman), dan memberi perkiraan hanya untuk informasi, jadi periksa panduan resmi sebelum mengandalkan hasilnya.
Cara menggunakan Pensiun calculator
Apa yang dihitung dan kapan digunakan
Projects your pot at retirement dan compares it with the pot you need sampai pay your chosen income seharga the rest your plan, showing any shortfall, dan the extra monthly saving sampai close it.
Cara menggunakan, langkah demi langkah
- Enter your Usia, Pensiun Usia, dan the age sampai plan to.
- Enter what you have saved dan ke-what you save each mon.
- Enter returns before dan after retirement dan inflation.
- Enter the income you want dan any other income such as a state pension, di today’s money.
Arti setiap input
- Income you want – Per Tahun, di today’s money.
- Other income – State pension atau other guaranteed income, di today’s money.
- Returns – Tahunan growth before dan after you stop working.
Cara membaca hasil
- Pot Pada Pensiun – Projected pot, dan the same di today’s money.
- Pot needed – The pot that membayar your income gap seharga the planned tahun.
- Shortfall atau surplus – Pot needed compared with your pot, di today’s money.
- ke-Save extra Per buah Sen – The additional Penghematan needed sampai Tutup a gap.
Rumus
Pot = savings × (1 + g)^n + Bulanan × ((1 + g)^n − 1) ÷ g with g the Bulanan return. Real return after retiring = (1 + return) ÷ (1 + inflation) − 1. Pot needed = income gap × (1 − (1 + real)^−Tahun) ÷ real × (1 + real).
Contoh perhitungan
A 35-year-old retiring Pada 67, planning sampai 92, with 40,000 saved, dan 500 a month at 6%, wants 30,000 per tahun di today’s money, dan has 11,500 other income. The pot reaches 818,313, which adalah 371,326 in today’s money. The pot needed adalah 390,642, a shortfall of 19,315; saving about 38 more a month closes it.
Asumsi dan batasan
- Constant returns dan inflation.
- The pot adalah drawn down evenly di today’s money.
- Pajak adalah not included. Pensions dan withdrawals may be taxable.
Kesalahan umum
- Forgetting inflation, which erodes spending Daya.
- Assuming Pensiun lasts only sampai Rata-rata life expectancy.
Pertanyaan yang sering diajukan
How much Aksi I need?
It depends on spending, other income, dan how long you live. The Hasil shows the pot your own Angka imply.
Is the 4% rule used?
No. This tool calculates the pot that exhausts your money at the end your planning age. The 4% rule adalah shown di other tools as a rough guide.
Alat terkait
Detail
- Pot Pada Pensiun
- £818,313£371,326 di today’s money
- Pot needed
- £390,642to take £18,500 per tahun seharga 25 tahun
- Income your pot kaleng Gaji
- £29,085setahun di today’s money, including other income
- ke-Save extra Per buah Sen
- £38Sampai Tutup the gap
- Total you Gaji inci
- £232,000