Aposentadoria calculator

Como usar a Aposentadoria calculator

O que calcula e quando usar

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

Como usar, passo a passo

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

O que significa cada campo

• Income you want – Por Ano, em today’s money.
• Other income – Estado pension ou other guaranteed income, em today’s money.
• Returns – Anual growth antes e depois you stop úteis.

Como ler os resultados

• Pot A Aposentadoria – Projected pot, e the same em today’s money.
• Pot needed – The pot that paga a your income gap por the planned anos.
• Shortfall ou surplus – Pot needed compared with your pot, em today’s money.
• Save extra Cada Seg.ª – The additional Economia needed a Fechar a gap.

A fórmula

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

Um exemplo prático

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

Premissas e limites

• Constant returns e inflation.
• The pot é drawn down evenly em today’s money.
• Imposto é not included. Pensions e withdrawals may be taxable.

Erros comuns

• Forgetting inflation, which erodes spending Potência.
• Assuming Aposentadoria lasts only a Médio life expectancy.

Perguntas frequentes

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