退休 calculator

如何使用退休 calculator

它计算什么，何时使用

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

使用步骤

1. Enter your 年龄、退休 年龄、the age 至 plan to.
2. Enter what you have saved 和 第 what you save each mon 次.
3. Enter returns before 和 after retirement 和 inflation.
4. Enter the income you want 和 today’s money. 的 any other income such as a state pension,

各输入项的含义

• Income you want – today’s money. 的 每 年份,
• Other income – State pension 或 today’s money. 的 other guaranteed income,
• Returns – 每年 growth before 和 after you stop working.

如何阅读结果

• Pot 以 退休 – Projected pot, 和 today’s money. 的 the same
• Pot needed – The pot that 付给 your income gap件the planned 年.
• Shortfall 或 surplus – today’s money. 的 Pot needed compared with your pot,
• 第 Save extra 每件 周一 次 – The additional 节省 needed 至 关闭 a gap.

公式

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

计算示例

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

假设与局限

• Constant returns 和 inflation.
• The pot 是 today’s money. 的 drawn down evenly
• 税款 是 not included. Pensions 和 withdrawals may be taxable.

常见错误

• Forgetting inflation, which erodes spending 功率.
• Assuming 退休 lasts only 至 平均 life expectancy.

常见问题

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