Chifukwa chiyani muyenera a Social Security Calculator?
Achinyamata ambiri, makamaka Gen Z akukonzekera kupuma pantchito yawo asanafike. Poyerekeza ndi makolo awo. Generation Z ili ndi malingaliro osiyana opuma pantchito.
Chikhumbo chofuna kudziyimira pawokha pazachuma ndi ufulu chimayendetsa Gen Z. Iwo awona zotsatira za mavuto azachuma pamibadwo yam'mbuyo ndipo akufuna kupeza chuma chawo ali ndi zaka zoyambirira. Pogwira ntchito molimbika, kupulumutsa mwakhama, ndi kupanga zisankho zanzeru zachuma, amakhulupirira kuti akhoza kupuma kale kusiyana ndi omwe adawatsogolera.
Komabe, ndi gawo laling'ono chabe loti muganizire. Kupuma pantchito koyambirira kumatanthauza kuti amapeza phindu la Social Security asanakwanitse zaka zawo zonse zopuma pantchito, zomwe zimapangitsa kuti phindu likhale lochepa.
Choncho, ndi bwino kukhala ndi kumvetsa mozama Social Security Calculatormusanapange chisankho, kuwonjezeranso, kuti mupambane pa ndondomeko yanu yosungiramo ntchito.
Pogwiritsa ntchito Social Security Calculator kukonzekera pulogalamu yosungiramo ntchito | Gwero: iStock
M'ndandanda wazopezekamo
- Kodi Social Security Calculator ndi chiyani?
- Ndani ali ndi udindo pa Social Security Calculator?
- Chifukwa chiyani Calculator ya Social Security ndiyofunikira?
- Calculator ya Social Security ndi Retirement Savings Calculator
- Ndani Angapeze Mapindu a Social Security?
- Momwe mungawerengere Social Security?
- Mafunso Ofunsidwa Kawirikawiri
- pansi Line
Malangizo Othandizira Kuchita Bwino
| Ndi liti pamene adabwera ndi Social Security? | 14/8/1935 |
| Kodi Social Security imawerengedwa bwanji? | Av indexed zopeza pamwezi |
| Anali kuti Social Security Calculator yapezeka? | USA |
| Nthawi yoyambira chowerengera chachitetezo cha anthu | Ubwino umayamba pazaka 62. |
Mwachidule pa Social Security Calculator
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🚀 Kupita kumitambo ☁️ Kodi Social Security Calculator ndi chiyani?
Calculator ya Social Security ndi chida chomwe chimathandiza anthu kuwerengera tsogolo lawo la Social Security potengera zinthu zosiyanasiyana. Social Security ndi pulogalamu ya boma ku United States yomwe imapereka ndalama kwa anthu opuma pantchito, olumala, komanso omwe ali ndi moyo komanso mabanja awo. Ndiwo maziko a ndalama zopuma pantchito. Zopindulitsa zomwe mumalandira kuchokera ku Social Security zimachokera ku mbiri yanu yopeza komanso zaka zomwe mumasankha kuti muyambe kulandira phindu.
Gwiritsani ntchito chowerengera chopulumutsira penshoni kuti mukonzekere kupuma mosangalala | Chitsime: iStockNdani Amene Ali ndi Udindo wa Social Security Calculator?
Chowerengera cha Social Security chimapangidwa ndikusungidwa makamaka ndi mabungwe aboma Social Security Administration (SSA).
SSA ndi bungwe la boma la US lomwe limayang'anira pulogalamu ya Social Security. Amapereka chowerengera chapaintaneti chotchedwa Retirement Estimator patsamba lawo lovomerezeka. Calculator iyi imalola anthu kuyerekeza mapindu awo opuma pantchito ya Social Security potengera mbiri yawo yomwe amapeza komanso zaka zopuma pantchito.
Chifukwa chiyani Calculator ya Social Security ndiyofunikira?
Kodi mungadziwe bwanji ngati mutha kupindula ndi Social Security, kapena banja lanu lidzapindula nazo?
Mwachitsanzo, ngati zaka zonse zopuma pantchito zinali 65 ndipo phindu lonse linali $ 1,000, anthu omwe adalemba ali ndi zaka 62 akhoza kulandira 80% ya phindu lawo lonse la $ 800 pamwezi. Nanga bwanji ngati zaka zonse zopuma pantchito zikuwonjezeka?
Chifukwa chake, palibe njira yabwinoko kuposa kugwiritsa ntchito Social Security Calculator kuchokera ku SSA kapena chowerengera chilichonse chopuma pantchito kubanki kuti muwerengere. Tiyeni tiwone zabwino zomwe mungapeze ngati mugwiritsa ntchito Social Security Calculator!
Social Security Calculator ingakuthandizeni kudziwa nthawi komanso momwe mungapezere mapindu a SS| Chitsime: VMKudziwitsa Zachuma
Zowerengera za Social Security zimapatsa anthu kumvetsetsa bwino momwe mbiri yawo yopezera ndalama komanso zaka zopuma pantchito zimakhudzira phindu lawo lamtsogolo. Amapereka zidziwitso za ndalama zomwe zingayembekezere panthawi yopuma pantchito, kuthandiza anthu kukonzekera ndalama, bajeti, ndi mipata yomwe mungapeze. Kuzindikira kowonjezereka kwazachuma kumeneku kumapereka mphamvu kwa anthu kupanga zisankho zabwino zachuma ndikuchitapo kanthu kuti atetezere pantchito yawo yopuma pantchito.
Kukonza Mapulani
Mapindu a Social Security ndi gwero lalikulu la ndalama kwa anthu ambiri opuma pantchito. Pogwiritsa ntchito calculator ya Social Security, anthu akhoza kuwerengera phindu lawo lamtsogolo malinga ndi mbiri yawo yopeza komanso zaka zopuma pantchito. Izi zimawathandiza kukonzekera njira zonse zopezera ndalama zopuma pantchito komanso kupanga zisankho zomveka bwino za njira zina zopezera ndalama, monga ndalama zosungira, penshoni, kapena maakaunti oyika ndalama.
Kukhathamiritsa kwa Chitetezo cha Anthu
Kwa okwatirana, chowerengera cha Social Security calculator chingakhale chofunikira kwambiri pakukwaniritsa mapindu awo olowa. Poganizira zinthu monga mapindu a muukwati, mapindu a wopulumuka, ndi njira monga "fayilo ndi kuyimitsa" kapena "ntchito zoletsedwa," maanja amatha kukulitsa phindu lawo la Social Security. Zowerengera zimatha kutengera zochitika zosiyanasiyana ndikuthandizira maanja kudziwa njira yabwino kwambiri yodzinenera momwe alili.
Kukulitsa Ubwino
Nthawi yoti muyambe kuyitanitsa mapindu a Social Security ingakhudze kwambiri ndalama zomwe mumalandira. Makina owerengera atha kukuthandizani kuti muwunikire njira zosiyanasiyana zodzinenera ndikuzindikira zaka zabwino zomwe mungayambire kupeza phindu. Kuchedwetsa chiyambi cha mapindu kupyola zaka zonse zopuma pantchito kungapangitse mapindu okwera pamwezi, pamene kufuna mapindu mwamsanga kungachititse kuti malipiro a mwezi uliwonse achepe. Calculator imathandiza anthu kumvetsetsa zamalonda ndikupanga zisankho zomwe zimagwirizana ndi zolinga zawo zachuma.
zokhudzana:
- Kukonzekera Kupuma pantchito | Masitepe 6 okhala ndi Mapulani 4 Ofanana Kuti Ayambe mu 2023
- Kodi ndidzapeza bwanji chowerengera cha social security? Onani SSA Calculator 2023
Calculator ya Social Security Calculator ndi Retirement savings calculator
Ngakhale ma Calculator onsewa ndi zida zofunika kwambiri pokonzekera kupuma pantchito, amawongolera mbali zosiyanasiyana za ndalama zomwe mumapeza mukapuma pantchito.
Makina owerengera ndalama akapuma pantchito amayang'ana kwambiri ndalama zomwe mwasunga komanso ndalama zomwe mumasungira, ndipo zimakuthandizani kuti muwone kuchuluka kwa zomwe mukufunikira kuti musunge ndikuyika pakapita nthawi kuti mukwaniritse zomwe mukufuna kusunga mukapuma pantchito. Pakadali pano, Calculator ya Social Security imayang'ana makamaka pakuyerekeza mapindu anu a Social Security, imakuthandizani kumvetsetsa momwe ndalama zomwe mumapeza komanso zaka zopuma pantchito zimakhudzira mapindu anu a Social Security ndikukulolani kuti mufufuze njira zosiyanasiyana zodzinenera kuti muwonjezere mapindu anu.
Kuti mukhale ndi chidziwitso chokwanira cha ndalama zanu zopuma pantchito, ndikofunika kulingalira zonse zomwe mumasungira komanso za Social Security pakukonzekera kwanu.
Ndani Angapeze Mapindu a Social Security?
Phindu la Social Security Retirement limatanthawuza kuti munthu akhoza kulandira malipiro a mwezi uliwonse omwe amabwezera gawo la ndalama zomwe amapeza akachepetsa nthawi yawo yogwira ntchito kapena osagwiranso ntchito. Akuti Social Security imakweza anthu 16 miliyoni azaka 65 kapena kupitilira muumphawi ku America (CBPP analysis). Ngati muli m'magulu otsatirawa, mudzapeza phindu lonse la Social Security mukadzapuma pantchito.
Ogwira ntchito pantchito
Anthu omwe adagwirapo ntchito ndikulipira msonkho wa Social Security kwa zaka zingapo (nthawi zambiri zaka 10 kapena 40 kotala) ali oyenera kulandira mapindu opuma pantchito akakwanitsa zaka zoyenerera. Zaka zonse zopuma pantchito zimasiyanasiyana malinga ndi chaka chobadwa, kuyambira zaka 66 mpaka 67.
Okwatirana ndi Osudzulana
Akazi a ogwira ntchito opuma pantchito kapena olumala akhoza kulandira phindu la mwamuna kapena mkazi, lomwe lingakhale 50% ya phindu la wogwira ntchitoyo. Amuna osudzulidwa amene akhala m’banja kwa zaka zosachepera 10 ndipo sanakwatirenso angakhale oyenerera kulandira mapindu malinga ndi mapindu a mwamuna kapena mkazi wawo wakale.
Okwatirana ndi Ana Opulumuka
Wogwira ntchito akamwalira, mwamuna kapena mkazi wawo wotsalayo ndi ana omwe amadalira angakhale oyenerera kulandira mapindu. Mwamuna kapena mkazi amene watsalayo atha kulandira gawo lina la phindu la womwalirayo, ndipo ana oyenerera adzalandiranso mapindu mpaka atakula kapena kukhala olumala.
Ogwira ntchito olumala
Anthu omwe ali ndi chilema choyenerera chomwe chimawalepheretsa kuchita zinthu zopindulitsa kwambiri ndipo akuyembekezeka kukhala kwa chaka chimodzi kapena kufa akhoza kulandira mapindu a Social Security Disability Insurance (SSDI). Zopindulitsa izi zimapezeka kwa ogwira ntchito omwe adalipira mu Social Security system ndikukwaniritsa zofunikira.
Ana Odalira
Ana odalirika a ogwira ntchito opuma pantchito, olumala, kapena omwe anamwalira akhoza kulandira mapindu a Social Security mpaka atakula kapena kukhala olumala. Anawo ayenera kukwaniritsa msinkhu, ubale, ndi kudalira kuti ayenerere.
Opindula ndi Social Security mu 2019 - Source: Social Security Administration, Office of the Chief Actuary zokhudzana:
Momwe mungawerengere Social Security?
Chowerengera cha Social Security chimaganizira zinthu zingapo ndi zolowetsa kuti chipereke chiŵerengero cha phindu lanu la Social Security. Izi ndi zina mwazinthu zazikulu zomwe zimathandizira kuwerengera kochitidwa ndi chowerengera cha Social Security:
Mbiri Yakale
Mbiri yanu yopeza, makamaka ndalama zomwe mumapeza kuchokera kuntchito malinga ndi msonkho wa Social Security, ndizofunikira kwambiri pakuzindikira mapindu anu a Social Security. Calculator imaganizira zomwe mumapeza pazaka zomwe mwagwira ntchito, mpaka zaka 35 zapamwamba kwambiri zazomwe mumapeza, kuti muwerengere Average Indexed Monthly Earnings (AIME).
Avereji Yolandilidwa pamwezi (AIME)
AIME ikuyimira kuchuluka kwa ndalama zomwe mumapeza pazaka 35 zomwe mumapeza. Zopindulitsa zomwe zili ndi indexed zimatengera kutsika kwa mitengo ndi kukula kwa malipiro kuti ziwonetsere kuchuluka kwa zomwe mumapeza pakapita nthawi.
Inshuwaransi Yoyamba (PIA)
PIA ndi ndalama za phindu za mwezi uliwonse zomwe mungalandire ngati mutapempha phindu pa msinkhu wanu wonse wopuma pantchito (FRA). Chowerengera chimagwiritsa ntchito fomula ku AIME yanu kuti muwerengere PIA yanu. Njirayi imagwiritsa ntchito magawo osiyanasiyana a magawo osiyanasiyana a AIME yanu, omwe amadziwika kuti ma bend points, omwe amasinthidwa chaka ndi chaka kuti awerengere kusintha kwa malipiro anu.
Zaka Zonse Zopuma pantchito (FRA)
FRA yanu ndi zaka zomwe mungathe kudzifunira zabwino zonse za Social Security. Zimatengera chaka chanu chobadwa ndipo zimatha kuyambira zaka 66 mpaka 67. Calculator imaganizira FRA yanu kuti idziwe kuchuluka kwa phindu la PIA yanu.
zokhudzana: Zaka Zonse Zopuma Ntchito: Chifukwa Chiyani Sizinayambike Kwambiri Kuti Tiphunzire Zacho?
Kudzinenera Zaka
Chowerengera chimaganizira zaka zomwe mukufuna kuyamba kuyitanitsa mapindu a Social Security. Kufuna zopindulitsa pamaso pa FRA yanu kudzachepetsa kuchuluka kwa phindu lanu la mwezi uliwonse, pomwe kuchedwetsa mapindu kupitilira FRA yanu kungakulitse phindu lanu mwa kuchedwa kubweza ngongole.
Ubwino Waukwati
Ngati mukuyenera kulandira mapindu a muukwati potengera mbiri ya zopeza za mnzanuyo, wowerengera angaganizirenso izi. Mapindu a muukwati atha kukupatsirani ndalama zowonjezera, nthawi zambiri mpaka 50% ya phindu la mnzanu.
FAQMafunso Ofunsidwa Kawirikawiri
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Mukutanthauza chiyani ponena za Social Security?
Social Security ndi pulogalamu ya boma yomwe imapereka chithandizo chandalama kwa anthu oyenerera komanso mabanja awo. Amapereka mapindu opuma pantchito, olumala, ndi omwe apulumuka kutengera mbiri ya ndalama zomwe amapeza komanso zopereka zomwe zimaperekedwa kudzera mumisonkho yamalipiro pazaka zantchito za munthu. Kodi Social Security ndingapeze bwanji?
Kuchuluka kwa phindu la Social Security lomwe mungapeze kumadalira mbiri yanu yopeza komanso zaka zomwe mumadzinenera kuti zimapindula. Ndikwabwino kugwiritsa ntchito zida zapaintaneti za Social Security Calculator kapena kukaonana ndi mlangizi wazachuma kuti mungoyerekeza makonda anu. Kodi ndipeza Social Security yanga yonse?
Ngati mukupempha Social Security pa msinkhu wanu wonse wopuma pantchito (FRA, malinga ndi lamulo la US), mudzalandira phindu lanu lonse. Kodi kupuma pantchito ndi zaka ziti?
Zaka zonse zopuma pantchito (FRA) zimasiyana malinga ndi chaka chobadwa. Kwa anthu obadwa 1938 isanafike, FRA ndi zaka 65. Komabe, kwa omwe adabadwa mu 1938 kapena mtsogolo, FRA imakula pang'onopang'ono. Kodi calculator yosungira ndalama zopuma pantchito imatanthauza chiyani?
Chowerengera ichi chimayang'ana kwambiri ndalama zomwe mumasungira komanso zomwe mumapeza, monga maakaunti opuma pantchito ngati 401 (k), maakaunti opuma pantchito (IRAs), ndi magalimoto ena opangira ndalama. Kodi 401 (k) ndi chiyani?
A 401 (k) ndi ndondomeko yosungiramo ntchito yopuma pantchito yomwe ikupezeka ku United States. Zimalola ogwira ntchito kuti apereke gawo la malipiro awo asanakhome msonkho ku akaunti yopuma pantchito.Onani AhaSlides Kukonza Mapulani Kodi njira yowerengera ndalama zopuma pantchito ndi yotani?
Njira yomwe imagwiritsidwa ntchito poyezera ndalama zomwe munthu wasungira mukapuma pantchito ndi mtengo wamtsogolo (FV): FV = PV x (1 + r)^n. Zimalingalira kuti ndalama zopuma pantchito zimakula pamlingo wobwereranso pakapita nthawi.pansi Line
Tsogolo la Social Security likuwoneka kuti silingadziwike, choncho ndi chisankho chanu kulumpha-kuyamba ndalama zanu zopuma pantchito posachedwa. Kukonzekera kupuma pantchito kungakhale kovuta poyamba, koma kudzateteza ufulu wanu ndi mapindu anu.
Pali njira zambiri zopezera ndalama zanu zopuma pantchito, ndipo ndikofunikira kuti mufufuze mapulogalamu ena monga 401(k)s kapena 403(b)s, Individual Retirement Accounts (IRAs), Simplified Employee Pension (SEP) IRA, SIMPLE IR, ndi Social Security phindu. Tengani mwayi pamapulogalamu onsewa ndikupuma pantchito pamawerengero owerengera kuti mukonzekere bwino chitetezo chopuma pantchito.
