Pensione calculator

Come usare il Pensione calculator

Cosa calcola e quando usarlo

Projects your pot at retirement e compares it with the pot you need a pay your chosen income per the rest di your plan, showing qualsiasi shortfall e the extra monthly saving a close it.

Come si usa, passo dopo passo

1. Enter your Età, Pensione Età e the age a plan to.
2. Enter what you have saved e what you save each monª.
3. Enter returns prima e after retirement e inflation.
4. Enter the income you want e any other income such as a state pension, a today’s money.

Cosa significa ogni dato

• Income you want – Per Anno, a today’s money.
• Other income – Stato pension o other guaranteed income, a today’s money.
• Returns – Annuale growth prima e dopo you stop lavorativi.

Come leggere i risultati

• Pot A Pensione – Projected pot, e the same a today’s money.
• Pot needed – The pot that paga your income gap per the planned anni.
• Shortfall o surplus – Pot needed compared with your pot, a today’s money.
• Save extra Ciascuno Lunª – The additional Risparmio needed a Chiudi a gap.

La formula

Pot = savings × (1 + g)^n + Mensile × ((1 + g)^n − 1) ÷ g with g the Mensile return. Real return dopo retiring = (1 + return) ÷ (1 + inflation) − 1. Pot needed = income gap × (1 − (1 + real)^−Anni) ÷ real × (1 + real).

Un esempio pratico

A 35-year-old retiring A 67, planning a 92, with 40,000 saved e 500 a month at 6%, wants 30,000 all’anno a today’s money e has 11,500 di other income. The pot reaches 818,313, which è 371,326 in today’s money. The pot needed è 390,642, a shortfall of 19,315; saving about 38 more a month closes it.

Ipotesi e limiti

• Constant returns e inflation.
• The pot è drawn down evenly a today’s money.
• Imposta è not included. Pensions e withdrawals may be taxable.

Errori comuni

• Forgetting inflation, which erodes spending Potenza.
• Assuming Pensione lasts only a Nella media life expectancy.

Domande frequenti

Strumenti correlati