Kikokotoo cha mafao ya Social Security
Kadiria mafao yako ya kustaafu ya Social Security ya Marekani kutokana na mapato ya maisha yote na umri unaodai.
Kuhusu Kikokotoo cha mafao ya Social Security
Kadiria mafao yako ya kustaafu ya Social Security ya Marekani kutokana na mapato ya maisha yote na umri unaodai.
Sehemu ya kitengo cha “Kustaafu” cha SmartCalcy. Kinaendeshwa kwenye kivinjari chako bila akaunti, kinatumia sarafu na vipimo vyako (vibadilishe juu ya ukurasa), na kinatoa makadirio kwa taarifa tu, kwa hiyo angalia mwongozo rasmi kabla ya kutegemea matokeo.
Jinsi ya kutumia Kikokotoo cha mafao ya Social Security
Kinachohesabu na wakati wa kukitumia
Kinakadiria mafao ya kustaafu ya Social Security ya Marekani kutokana na wastani wa mapato yako na umri unaoanza kudai, na kuonyesha jinsi kudai mapema au kuchelewa kunavyoyabadilisha.
Jinsi ya kukitumia, hatua kwa hatua
- Weka wastani wa mapato yako ya mwaka na miaka uliyofanya kazi.
- Weka mwaka wako wa kuzaliwa, unaoamua umri wako kamili wa kustaafu.
- Weka umri unaopanga kudai, kuanzia 62 hadi 70.
Maana ya kila ingizo
- Wastani Kila mwaka earnings – miaka Inflation-adjusted earnings averaged over working.
- Miaka worked – Up to 35 years count. Fewer years add zero-earning years.
- Claiming age – 62 hadi 70.
Jinsi ya kusoma matokeo
- Kila mwezi benefit – The estimated payment at your claiming age.
- Kamili Kustaafu age benefit (PIA) – The benefit if you claim at your full retirement age.
- Claiming age Jedwali – The Kila mwezi na Kila mwaka benefit at different ages.
Fomula
AIME = yearly earnings × min(years, 35) ÷ 35 ÷ 12. PIA = 90% of AIME up to 1,286 + 32% from 1,286 to 7,749 + 15% above 7,749 (2026 bend points). Claiming early reduces it by 5/9 of 1% a month for 36 months and 5/12 of 1% beyond. Delaying past full retirement age adds 2/3 of 1% a month, up to age 70.
Mfano uliofanyiwa kazi
Average earnings of 70,000 over 35 years give an AIME of 5,833 and a PIA of 2,612 a month. Claiming at 62 pays about 1,829 a month and waiting until 70 pays about 3,239.
Dhana na mipaka
- Earnings are already indexed. The real calculation indexes your 35 highest years.
- No cost-of-living adjustments, taxes au Medicare premiums.
- Your actual benefit may differ; use your my Social Security account.
Makosa ya kawaida
- Assuming each year of lower earnings has no effect. Missing years count as zero.
- Claiming early without considering the permanent reduction.
Maswali yanayoulizwa mara kwa mara
Umri kamili wa kustaafu ni upi?
Miaka 67 kwa waliozaliwa mwaka 1960 au baadaye, na miaka 66 hadi miaka 66 na miezi 10 kwa waliozaliwa kati ya 1954 na 1959.
Je, nichelewe?
Inategemea afya, mapato mengine na kama umeoa au umeolewa. Kuchelewa huongeza malipo maisha yote lakini unayapokea kwa miaka michache zaidi.
Dated rules: US federal figures for tax year 2026 (IRS Rev. Proc. 2025-32 and IRS notices). These calculators are estimates for planning, not tax advice.
Zana zinazohusiana
Maelezo
- Wastani indexed Kila mwezi earnings
- £5,833
- Benefit at kamili Kustaafu age
- £2,612age 67
- Claiming adjustment
- 0%
By claiming age
| Age | Kwa mwezi | Kwa mwaka |
|---|---|---|
| 62 | £1,829 | £21,944 |
| 64 | £2,090 | £25,079 |
| 66 | £2,438 | £29,259 |
| 67 | £2,612 | £31,349 |
| 68 | £2,821 | £33,857 |
| 70 | £3,239 | £38,873 |