退職・老後 calculator

退職・老後 calculatorの使い方

何を計算するか、いつ使うか

Projects your pot at retirementとcompares it with the pot you need〜pay your chosen income個でyour plan the rest、showing any shortfall、the extra monthly saving〜close it.

使い方の手順

1. Enter your 年齢、退職・老後 年齢、the age〜plan to.
2. Enter what you have savedとwhat you save each mon乗.
3. Enter returns beforeとafter retirementとinflation.
4. Enter the income you wantとtoday’s money.のany other income such as a state pension,

各入力項目の意味

• Income you want – today’s money.の単位 年,
• Other income – State pensionまたはtoday’s money.のother guaranteed income,
• Returns – 毎年 growth beforeとafter you stop working.

結果の読み方

• Pot 適用 退職・老後 – Projected pot,とtoday’s money.のthe same
• Pot needed – The pot that → your income gap個でthe planned年.
• Shortfallまたはsurplus – today’s money.のPot needed compared with your pot,
• Save extra 1個あたり 月乗 – The additional 節約額 needed〜閉じる a gap.

計算式

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

計算例

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

前提と限界

• Constant returnsとinflation.
• The potはtoday’s money.のdrawn down evenlyです
• 税額はnot included. Pensionsですとwithdrawals may be taxable.

よくある間違い

• Forgetting inflation, which erodes spending 電力.
• Assuming 退職・老後 lasts only〜平均 life expectancy.

よくある質問

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