Пенсия calculator

Как пользоваться: Пенсия calculator

Что считает и когда использовать

Projects your pot at retirement и от compares it with the pot you need до pay your chosen income за the rest your plan, showing any shortfall и от the extra monthly saving до close it.

Как пользоваться, шаг за шагом

1. Enter your Возраст, Пенсия Возраст и от the age до plan to.
2. Enter what you have saved и what you save each mon-й.
3. Enter returns before и after retirement и inflation.
4. Enter the income you want и any other income such as a state pension, в today’s money.

Что означает каждое поле

• Income you want – За Год, в today’s money.
• Other income – State pension или other guaranteed income, в today’s money.
• Returns – Ежегодно growth before и after you stop working.

Как читать результаты

• Pot По Пенсия – Projected pot, и the same в today’s money.
• Pot needed – The pot that платит your income gap за the planned лет.
• Shortfall или surplus – Pot needed compared with your pot, в today’s money.
• Save extra За шт. Пн-й – от The additional Экономия needed до Закрыть a gap.

Формула

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

Пример расчёта

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

Допущения и ограничения

• Constant returns и inflation.
• The pot — drawn down evenly в today’s money.
• Налог — not included. Pensions и withdrawals may be taxable.

Частые ошибки

• Forgetting inflation, which erodes spending Мощность.
• от Assuming Пенсия lasts only до Среднее life expectancy.

Частые вопросы

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