Kalkulator pensiun (UK)
Kira-kira dana lan penghasilan pensiun defined-contribution, utawa pensiun final-salary saka taun masa kerja.
Babagan Kalkulator pensiun (UK)
Kira-kira dana lan penghasilan pensiun defined-contribution, utawa pensiun final-salary saka taun masa kerja.
Bagean saka seksi “Pensiun” SmartCalcy. Lumaku ing browser panjenengan tanpa akun, nganggo mata uang lan satuan panjenengan dhewe (ganti ing sisih ndhuwur kaca), lan menehi perkiraan mung kanggo informasi, mula priksa pandhuan resmi sadurunge ngandelake asile.
Carane nganggo Kalkulator pensiun (UK)
Apa sing dietung lan kapan nganggo
Ngira-ira pensiun papan kerja ing Inggris: dana sing bisa dibangun kanthi iuran pegawe lan juragan, utawa pensiun saben taun saka skema gaji pungkasan.
Carane nganggo, langkah demi langkah
- Pilih dana sing dibangun utawa skema gaji pungkasan.
- Kanggo dana, lebokna gaji, umur, umur pensiun, dana saiki, iuran, tuwuh, biaya, kenaikan gaji lan inflasi.
- Kanggo gaji pungkasan, lebokna gaji, taun ing skema lan tingkat akrual.
Tegese saben input
- You pay in lan employer mbayar in – Percentages pay. UK auto-enrolment minimum yaiku 8% ing total.
- Charges – Saben taun fund lan Pangkat platform charges, taken from grow.
- Accrual tarif – The fraction of salary earned as pension for each year of service.
Carane maca asile
- Pot at Pensiun – Projected pot lan its value ing today’s money.
- Tax-free lump Jumlah – Up nganti 25% saka the pot.
- Pension saben taun – For final salary: salary × years ÷ accrual denominator.
Rumus
Pot: each year balance = balance × (1 + growth − charges) + contributions × (1 + (growth − charges) ÷ 2). Final salary pension = final salary × years of service ÷ accrual denominator.
Conto petungan
A 40,000 salary at age 35, retiring at 67, 5% employee plus 3% employer, 20,000 pot, 5% growth less 0.5% charges and 2.5% pay rises. The pot is about 390,386, or 177,146 in today’s money, with a tax-free lump sum up to 97,596.
Asumsi lan watesan
- Constant returns lan Bayaran rises.
- Tax relief and any salary sacrifice are not modelled; contributions are taken as stated.
- The 25% tax-free limit yaiku capped at 268,275 kanggo most people.
Kesalahan umum
- Forgetting that pension income yaiku taxable.
- Ignoring charges, which compound over decades.
Pitakonan sing kerep ditakokake
Pira iuran minimal?
Miturut auto-enrolment Inggris, total minimal 8% saka pangasilan sing layak, kalebu paling sethithik 3% saka juragan.
Apa sing owah wiwit April 2027?
Pamarentah wis ngumumake yen umume dana pensiun sing ora digunakake bakal diitung dadi bagean warisan kanggo pajak warisan wiwit 6 April 2027. Priksa GOV.UK kanggo informasi paling anyar.
Dated rules: UK tax year 2026 to 2027 (6 April 2026 to 5 April 2027), from GOV.UK. Rates and thresholds change each year, so check GOV.UK before relying on a figure.
Piranti sing gegandhengan
Rincian
- Dibayar ing over the taun
- £174,081
- Tax-free lump Jumlah, up nganti 25%
- £97,596
- Remaining pot
- £292,789
- Income at 4% from the remaining pot
- £11,712a taun, Sadurunge pajak
- Padha, ing today’s money
- £5,314