Menene Kalkuleta na Tsaron Jama'a? Yadda ake Amfani da Kyau a cikin 2024

Me yasa kuke buƙatar a Kalkuleta na Tsaron Jama'a?

Yawancin matasa, musamman Gen Z suna shirin yin ritaya da wuri. Idan aka kwatanta da iyayensu. Generation Z yana da ra'ayi daban-daban game da ritaya.

Sha'awar samun 'yancin kai na kudi da 'yancin kai yana motsa Gen Z. Sun shaida tasirin kalubalen tattalin arziki a kan al'ummomin da suka gabata kuma suna son tabbatar da jin dadin su na kudi tun da wuri. Ta hanyar yin aiki tuƙuru, adanawa da himma, da kuma yanke shawarar kuɗi masu wayo, sun yi imanin za su iya yin ritaya a baya fiye da waɗanda suka gabace su.

Koyaya, ƙaramin sashi ne kawai don tunani. Yin ritaya da wuri yana nufin suna da'awar fa'idodin Tsaron Jama'a kafin su kai cikakken shekarun yin ritaya, wanda ke haifar da rage fa'idodi na dindindin.

Don haka, yana da kyau a sami zurfin fahimta Kalkuleta na Tsaron Jama'akafin yanke shawara, bugu da žari, don cin nasara a shirin ajiyar ku na ritaya.

*Amfani da Kalkuleta na Tsaron Jama'a don tsara shirin tanadi na ritaya* | *Source: iStock*

Teburin Abubuwan Ciki

Menene Kalkuleta na Tsaron Jama'a?
Wanene ke da alhakin Ƙididdigar Tsaron Jama'a?
Me yasa Calculator Tsaron Jama'a yake da mahimmanci?
Kalkuleta na Tsaron Jama'a da Kalkuleta na Savings na Ritaya
Wanene Zai Iya Samun Fa'idodin Tsaron Jama'a?
Yadda ake lissafin Social Security?
Tambayoyin da
Kwayar

Yaushe suka fito da Social Security?	14/8/1935
Yaya ake lissafin Tsaron Jama'a?	Av indexed index albashi kowane wata
Ina neAn sami Kalkuleta ta Tsaron Jama'a?	Amurka
Lokacin fara kalkuleta na tsaro	Amfani yana farawa daga shekara 62.

Bayani akan Kalkuleta na Tsaron Jama'a

Rubutun madadin

Fara cikin daƙiƙa.

Sami mafi kyawun samfurin tambayoyi don ƙananan taro! Yi rajista kyauta kuma ɗauki abin da kuke so daga ɗakin karatu na samfuri!

🚀 Zuwa gajimare ☁️

Kalkuleta na Tsaron Jama'a kayan aiki ne da ke taimaka wa mutane kimanta fa'idodin Tsaron Zamantakewa na gaba bisa dalilai daban-daban. Tsaron Jama'a shiri ne na gwamnati a Amurka wanda ke ba da kuɗin shiga ga waɗanda suka yi ritaya, naƙasassu, da waɗanda suka tsira da danginsu. Ita ce ginshikin kudin shiga na ritaya. Fa'idodin da kuke samu daga Social Security sun dogara ne akan tarihin kuɗin ku da shekarun da kuka zaɓa don fara karɓar fa'idodi.

kalkuleta ceton fansho — *Yi amfani da kalkuleta na ceton fensho don shirya ritaya mai farin ciki | Source: iStock*

Ƙididdigar Tsaron Jama'a yawanci ana ƙirƙira kuma ana kiyaye su ta hanyar hukumomin gwamnati Social Security Administration (SSA).

SSA wata hukuma ce ta gwamnatin Amurka da ke da alhakin gudanar da shirin Tsaron Jama'a. Suna samar da wani kalkuleta na kan layi mai suna The Retirement Estimator akan gidan yanar gizon su na hukuma. Wannan kalkuleta yana bawa mutane damar ƙididdige fa'idodin ritayar Social Security dangane da tarihin abin da suka samu da kuma hasashen shekarun ritaya.

Yadda ake sanin ko za ku iya samun cikakken fa'idodin Tsaron Jama'a, ko danginku za su amfana da su?

Alal misali, idan cikakken shekarun ritaya ya kasance 65 kuma cikakken fa'ida shine $ 1,000, mutanen da suka yi rajista suna da shekaru 62 za su iya samun kashi 80 cikin 800 na adadin amfanin su na $XNUMX kowace wata. Idan an ƙara yawan shekarun yin ritaya fa?

Don haka, babu wata hanya mafi kyau fiye da amfani da Kalkuletattar Tsaron Jama'a daga SSA ko duk wani lissafin ritaya na banki don yin ƙima. Bari mu bincika fa'idodin da zaku iya samu idan kuna amfani da Kalkuleta na Tsaron Jama'a!

Ƙididdigar riba na ritaya & lissafin kudin shiga na ritaya — *Kalkuleta na Tsaron Jama'a na iya taimaka muku sanin yaushe da yadda ake samun cikakkun fa'idodin SS*| Source: VM

Fadakarwar Kudi

Ƙididdigar Tsaron Jama'a suna ba wa mutane ƙarin fahimtar yadda tarihin abin da suka samu da shekarun ritaya suka shafi fa'idodin su na gaba. Suna ba da haske game da yawan kuɗin shiga da za a yi tsammani a lokacin ritaya, taimaka wa daidaikun mutane su tsara kashe kuɗi, kasafin kuɗi, da yuwuwar gibin kuɗin shiga. Wannan haɓaka wayar da kan kuɗi yana ƙarfafa mutane su yanke shawara mafi kyau na kuɗi da ɗaukar matakan da suka dace don tabbatar da ritayar su.

Shiryawa Mai ritaya

Amfanin Tsaron Jama'a babban tushen samun kuɗi ne ga yawancin masu ritaya. Ta amfani da kalkuleta na Tsaron Jama'a, mutane za su iya ƙididdige fa'idodin su na gaba dangane da tarihin abin da suka samu da kuma hasashen shekarun ritaya. Wannan yana taimaka musu wajen tsara dabarun samun kuɗin shiga na su na ritaya gabaɗaya da kuma yanke shawara game da wasu hanyoyin samun kuɗi, kamar su tanadi na sirri, fansho, ko asusun saka hannun jari.

Inganta Tsaron Jama'a

Ga ma'aurata, kalkuleta na Tsaron Jama'a na iya zama mahimmanci musamman wajen haɓaka fa'idodin haɗin gwiwa. Ta hanyar la'akari da abubuwa kamar fa'idodin ma'aurata, fa'idodin masu tsira, da dabaru kamar "fayil da dakatarwa" ko "ƙantacce aikace-aikacen," ma'aurata na iya ƙara yawan fa'idodin Tsaron Zamantakewa. Ƙididdigar ƙididdiga za su iya tsara yanayin yanayi daban-daban kuma su taimaka wa ma'aurata su tantance dabarun da'awar mafi fa'ida ga takamaiman halin da suke ciki.

Mahimman Fa'idodi

Lokacin da kuka fara neman fa'idodin Tsaron Jama'a na iya tasiri sosai akan adadin da kuke karɓa. Kalkuleta zai iya taimaka maka kimanta dabarun da'awa daban-daban da sanin mafi kyawun shekarun fara neman fa'idodi. Jinkirta fara fa'idodin fiye da cikakken shekarun ritaya na iya haifar da fa'idodi masu yawa na wata-wata, yayin da neman fa'ida da wuri na iya haifar da rage biyan kuɗi kowane wata. Kalkuleta yana taimaka wa ɗaiɗaikun su fahimci ciniki kuma su yanke shawara waɗanda suka dace da manufofinsu na kuɗi.

shafi:

Shirye-shiryen ritaya | Matakai 6 Tare da Shirye-shiryen gama-gari guda 4 Don farawa a 2023
Nawa zan sami tsarin kula da zaman jama'a? Duba SSA Kalkuleta 2023

Duk da yake duka masu ƙididdige ƙididdiga kayan aiki ne masu mahimmanci don tsara shirin ritaya, suna magance fannoni daban-daban na samun kuɗin ritayar ku.

Ƙididdigar ajiyar kuɗi na ritaya yana mai da hankali kan tanadi na keɓaɓɓen ajiyar ku da kuma saka hannun jari, kuma yana taimaka muku tantance nawa kuke buƙata don adanawa da saka hannun jari na tsawon lokaci don cimma burin tanadin ritayar da kuke so. A halin yanzu, Kalkuleta na Tsaron Jama'a yana mai da hankali musamman akan ƙididdige fa'idodin Tsaron Jama'a, yana taimaka muku fahimtar yadda abin da kuka samu da shekarun ritaya ke tasiri fa'idodin Tsaron Jama'a kuma yana ba ku damar bincika dabarun da'awar daban-daban don haɓaka fa'idodin ku.

Don samun cikakkiyar fahimtar kuɗin shiga na ritaya, yana da mahimmanci a yi la'akari da tanadin ku na sirri da kuma amfanin Tsaron Jama'a a cikin shirin ku na ritaya.

Amfanin Ritaya Tsaron Jama'a yana nufin mutum zai iya karɓar ladan kuɗi na wata-wata wanda ke mayar da wani ɓangare na kuɗin shiga lokacin da suka rage lokacin aikin su ko kuma ba sa aiki. An kiyasta cewa Tsaron Jama'a ya fitar da mutane miliyan 16 masu shekaru 65 ko fiye daga talauci a Amurka (binciken CBPP). Idan kun kasance cikin waɗannan ƙungiyoyi masu zuwa, za ku sami cikakkun fa'idodin Tsaron Jama'a idan kun yi ritaya.

Ma'aikata da aka dade

Mutanen da suka yi aiki kuma suka biya harajin Social Security na wasu adadin shekaru (yawanci shekaru 10 ko kashi 40) sun cancanci karɓar fa'idodin ritaya da zarar sun isa shekarun cancanta. Cikakkun shekarun yin ritaya ya bambanta dangane da shekarar haihuwa, tsakanin shekaru 66 zuwa 67.

Ma'aurata da Ma'auratan da aka saki

Ma'auratan ma'aikatan da suka yi ritaya ko naƙasassu na iya cancanci samun fa'idodin ma'aurata, wanda zai iya kai kashi 50% na adadin amfanin ma'aikaci. Ma'auratan da aka saki waɗanda suka yi aure aƙalla shekaru 10 kuma ba su sake yin aure ba za su iya samun fa'ida bisa abin da tsohuwar matar ta samu.

Ma'aurata da Yara masu tsira

Lokacin da ma'aikaci ya mutu, matansu da suka tsira da ƴaƴan da suka dogara da su na iya cancanci fa'idodin tsira. Ma'auratan da ke da rai na iya karɓar wani kaso na adadin amfanin ma'aikacin da ya rasu, kuma yaran da suka cancanta kuma za su iya samun fa'ida har sai sun balaga ko kuma sun zama nakasa.

Nakasassu Ma'aikata

Mutanen da ke da naƙasasshiyar cancantar da ke hana su shiga fa'ida mai fa'ida kuma ana tsammanin za su yi aƙalla shekara ɗaya ko haifar da mutuwa na iya cancanci fa'idodin Inshorar Nakasa ta Social Security (SSDI). Waɗannan fa'idodin suna samuwa ga ma'aikatan da suka biya cikin tsarin Tsaron Jama'a kuma sun cika takamaiman ka'idoji.

Yaran Dogara

Dogara 'ya'yan ma'aikata masu ritaya, nakasassu, ko matattu na iya cancanci fa'idodin Tsaron Jama'a har sai sun girma ko kuma sun zama nakasa da kansu. Dole ne yaran su cika takamaiman shekaru, dangantaka, da buƙatun dogaro don cancanta.

*Masu cin gajiyar Social Security a 2019* - *Source: Social Security Administration, Office of the Chief Actuary*

shafi:

Kalkuleta na Tsaron Jama'a yana yin la'akari da abubuwa da yawa da bayanai don samar da kimanta fa'idodin Tsaron zamantakewar ku na gaba. Waɗannan su ne wasu mahimman abubuwan da ke ba da gudummawa ga ƙididdigewa da ƙididdiga ta Social Security:

Tarihin Samun Kuɗi

Tarihin samun kuɗin ku, musamman kuɗin shiga daga aiki wanda ke ƙarƙashin harajin Tsaron Jama'a, muhimmin abu ne don tantance fa'idodin Tsaron Jama'a. Kalkuleta yana la'akari da abin da kuka samu a cikin shekarun aikinku, har zuwa mafi girman shekaru 35 na kudaden da aka ƙididdigewa, don ƙididdige Matsakaicin Matsakaicin Kuɗin Ku na Watanni (AIME).

Matsakaicin Matsakaicin Samar da Kuɗi na Watan (AIME)

AIME tana wakiltar matsakaicin adadin kuɗin da kuka samu sama da mafi girman shekaru 35 na abin da kuka samu. Abubuwan da aka ƙididdigewa suna lissafin hauhawar farashi da haɓaka albashi don nuna ƙimar ƙimar abin da kuka samu a kan lokaci.

Adadin Inshorar Farko (PIA)

PIA ita ce adadin fa'idar kowane wata da za ku samu idan kun yi iƙirarin fa'idodin a cikakken shekarun ku na ritaya (FRA). Kalkuleta yana amfani da dabara ga AIME ɗin ku don ƙididdige PIA na ku. Tsarin yana amfani da kaso daban-daban don sassa daban-daban na AIME ɗinku, waɗanda aka sani da maki lanƙwasa, waɗanda ake daidaita su kowace shekara don lissafin canje-canje a matsakaicin albashi.

Cikakkiyar Shekarun Yin ritaya (FRA)

FRA ɗin ku ita ce shekarun da za ku iya neman cikakkun fa'idodin ritaya na Social Security. Ya dogara ne akan shekarar haihuwar ku kuma yana iya zuwa daga shekaru 66 zuwa 67. Kalkuleta yayi la'akari da FRA ɗin ku don tantance adadin fa'idar tushe don lissafin PIA ɗin ku.

shafi: Cikakkun Shekarun Yin Ritaya: Me yasa Ba a Taɓa Da Farko Ba Don Koyi Game da?

Da'awar Shekaru

Kalkuleta yayi la'akari da shekarun da kuka shirya fara neman fa'idodin Tsaron Jama'a. Da'awar fa'idodin kafin FRA ɗin ku zai haifar da raguwa a cikin adadin amfanin ku na wata-wata, yayin da jinkirin fa'idodin fiye da FRA ɗin ku na iya ƙara fa'idodin ku ta hanyar jinkirin ƙima na ritaya.

Amfanin Ma'aurata

Idan kun cancanci fa'idodin ma'aurata dangane da tarihin samun kuɗin matar ku, ƙila ƙila ƙila ƙila ƙila ƙila ƙila kilaluta yayi la'akari da waɗannan abubuwan. Amfanin ma'aurata na iya samar da ƙarin tushen samun kudin shiga, yawanci har zuwa kashi 50 na adadin amfanin matar ku.

FAQ

Tambayoyin da

Kuna da tambaya? Muna da amsoshi.

Me kuke nufi da Social Security?

Tsaron Jama'a shiri ne na gwamnati wanda ke ba da tallafin kuɗi ga mutanen da suka cancanta da danginsu. Yana ba da fa'idodin ritaya, naƙasa, da fa'idodin waɗanda suka tsira bisa tarihin samun kuɗi da gudummawar da aka bayar ta harajin biyan albashi a cikin shekarun aiki na mutum.

Nawa zan samu Social Security?

Takamaiman adadin fa'idodin Tsaron Jama'a da za ku iya samu ya dogara da tarihin abin da kuka samu da kuma shekarun da kuke da'awar fa'idodin. Zai fi kyau a yi amfani da kayan aikin Kalkuleta na Tsaron Jama'a akan layi ko tuntuɓar mai ba da shawara kan kuɗi don ƙididdiga na keɓaɓɓen.

Zan sami cikakken Social Security na?

Idan kuna da'awar fa'idodin Tsaron Jama'a a cikakken shekarun ku na ritaya (FRA, ta dokar Amurka), yawanci za ku sami cikakken adadin amfanin ku.

Wane shekaru ne cikakken ritaya?

Cikakken shekarun yin ritaya (FRA) ya bambanta dangane da shekarar haihuwa. Ga mutanen da aka haifa kafin 1938, FRA tana da shekaru 65. Koyaya, ga waɗanda aka haifa a cikin 1938 ko kuma daga baya, FRA tana ƙaruwa sannu a hankali.

Menene ma'anar lissafin ajiyar kuɗi na ritaya?

Wannan kalkuleta da farko yana mai da hankali kan ajiyar ku da saka hannun jari, kamar asusun ritaya kamar 401 (k), asusun ritaya na mutum (IRAs), da sauran motocin saka hannun jari.

Menene 401 (k)?

A 401 (k) shiri ne na tanadin fansho da ma'aikata ke ɗaukar nauyi a cikin Amurka. Yana bawa ma'aikata damar ba da gudummawar wani kaso na albashin su kafin haraji zuwa asusun ritaya.

duba fitar AhaSlides

Shiryawa Mai ritaya

Menene dabara don ƙididdige ajiyar kuɗi na ritaya?

Ƙididdigar da aka saba amfani da ita don ƙididdige tanadin ritaya ita ce ƙima ta gaba (FV): FV = PV x (1 + r) ^ n. Yana ɗauka cewa ajiyar kuɗi na ritaya yana girma a ƙimar dawowa akai-akai.

Kwayar

Makomar Tsaron Jama'a da alama ba za a iya faɗi ba, don haka zaɓinku ne don tsalle-fara ajiyar ku na ritaya nan ba da jimawa ba. Shirye-shiryen yin ritaya na iya zama mai ban sha'awa da farko, amma zai kare haƙƙin ku da fa'idodin ku.

Akwai hanyoyi da yawa don cin nasara a ceton ku na ritaya, kuma yana da mahimmanci a gare ku don bincika wasu shirye-shirye kamar 401 (k) s ko 403 (b) s, Asusun ritaya na Mutum (IRAs), Ƙimar Ma'aikata Mai Sauƙi (SEP) IRA, SIMPLE IR, da fa'idodin Tsaron Jama'a. Yi amfani da duk waɗannan shirye-shiryen da yin ritaya a kan lissafin waƙa don kyakkyawan shiri don tsaro na ritaya.

Ref: cnbc | Cbpp | S.S.A.