Ole a le Social Security Calculator? Faʻafefea ona faʻaoga lelei ile 2024

Aisea e te manaʻomia ai a Social Security Calculator?

O le tele o tupulaga talavou, aemaise Gen Z o loʻo fuafua mo a latou litaea vave. Pe a faatusatusa i o latou matua. E ese le vaaiga a le Generation Z i le litaea.

O se manaʻoga mo le tutoʻatasi tau tupe ma le saʻolotoga e faʻauluina ai Gen Z. Ua latou molimauina le aʻafiaga o luʻitau tau tamaoaiga i augatupulaga ua mavae ma e manaʻo e faʻamautu lo latou manuia tau tupe i se taimi muamua atu. E ala i le galue malosi, teu ma le filiga, ma le faia o filifiliga atamai tau tupe, latou te talitonu e mafai ona vave litaea nai lo latou muamua.

Ae ui i lea, o se vaega itiiti e mafaufau i ai. Litaea vave o lona uiga latou te tapaina penefiti Social Security a'o le'i o'o i le latou tausaga atoa litaea, lea e o'o atu ai i le fa'aitiitia tumau o penefiti.

O lea la, e sili atu le i ai o se malamalama loloto atu i ai Social Security Calculatora'o le'i faia se fa'ai'uga, fa'aopoopo, e manumalo i lau fuafuaga fa'asao litaea.

*Fa'aaoga le Social Security Calculator e fuafua ai se polokalame fa'asao litaea* | *Punavai: iStock*

Lisi o Mataupu

Ole a le Social Security Calculator?
O ai e nafa ma le Social Security Calculator?
Aisea e taua ai le Social Security Calculator?
Calculator Social Security ma le Calculator Fa'asao a le Litaea
O ai e mafai ona maua fa'amanuiaga tau le saogalemu?
E fa'apefea ona fa'atatau le Saogalemu Lautele?
Fesili e Masani ona Fesiligia
Line pito i lalo

O anafea na latou maua ai le saogalemu lautele?	14/8/1935
E fa'afefea ona fuafua le Saogalemu Lautele?	Av fa'asinoina tupe maua faalemasina
O fea sa iai le Ua maua le Social Security Calculator?	ISA
O afea e amata ai calculator saogalemu lautele	O fa'amanuiaga e amata ile 62 tausaga.

Vaaiga lautele i luga Social Security Calculator

Isi Suʻega

Amata i sekone.

Maua le fa'ata'ita'iga su'ega sili mo fa'atasiga laiti! Saini e leai se totogi ma ave mea e te mana'o ai mai le faletusi fa'ata'ita'i!

🚀 I ao ☁️

O le calculator Social Security o se meafaigaluega e fesoasoani i tagata taʻitoʻatasi e faʻatatau a latou penefiti saogalemu i le lumanaʻi e faʻatatau i mea eseese. O le Saogalemu Lautele o se polokalame a le malo i le Iunaite Setete e maua ai tupe mo tagata ua litaea, e le atoatoa le malosi, ma o loo ola pea ma o latou aiga. O le faavae lea o tupe maua litaea. O fa'amanuiaga e te maua mai le Saogalemu Lautele e fa'atatau i lau tala fa'asolopito o tupe maua ma le matua e te filifilia e amata maua ai penefiti.

penisione sefe calculator — *Fa'aaoga le penisione fa'asaoina calculator e saunia ai se litaea fiafia | Punavai: iStock*

Ole calculator Social Security e masani lava ona faia ma tausia fa'apitoa e lala sooupu a le malo Social Security Administration (SSA).

O le SSA ose lala sooupu a le malo o Amerika e nafa ma le faafoeina o le polokalame Social Security. Latou te tuʻuina atu se calculator i luga ole laiga e taʻua o le Retirement Estimator i la latou upega tafaʻilagi aloaia. O lenei calculator e mafai ai e tagata ta'ito'atasi ona fa'atatauina a latou penefiti litaea Social Security e fa'atatau i a latou tala fa'asolopito o tupe maua ma tausaga fa'atulagaina litaea.

E fa'afefea ona e iloa pe mafai ona e maua atoa penefiti Social Security, pe o le a manuia lou aiga mai ia mea?

Mo se faʻataʻitaʻiga, afai o le matua litaea atoa e 65 ma faʻamanuiaga atoa e $1,000, o tagata na faila i le 62 tausaga e mafai ona maua le 80% o latou aofaʻi atoa o penefiti e $800 i le masina. Ae fa'afefea pe a fa'aopoopo le tausaga atoa litaea?

O lea, e leai se auala sili atu nai lo le faʻaaogaina o le Social Security Calculator mai le SSA poʻo soʻo se faletupe litaea calculator e fai ai faʻatatau. Se'i o tatou va'ai po'o a ni fa'amanuiaga e te maua pe a e fa'aogaina le Social Security Calculator!

calculator tului litaea & calculator tupe maua litaea — *Social Security Calculator e mafai ona fesoasoani ia te oe e iloa le taimi ma le auala e maua uma ai penefiti SS*| Punavai: VM

Fa'alauiloa Tau Tupe

Social Security calculators e maua ai e tagata taʻitoʻatasi se malamalamaga manino pe faʻafefea ona aʻafia a latou tupe maua talaʻaga ma tausaga litaea a latou penefiti i le lumanaʻi. Latou te ofoina atu faʻamatalaga i le tele o tupe maua e faʻamoemoeina i le taimi o le litaea, fesoasoani i tagata taʻitoʻatasi e fuafua tupe faʻaalu, paketi, ma avanoa avanoa i tupe maua. O lenei fa'alauteleina o fa'amatalaga tau tupe e fa'amalosia ai tagata ta'ito'atasi e faia ni fa'ai'uga lelei tau tupe ma faia ni laasaga talafeagai e fa'amautu ai lo latou litaea.

Fuafuaga litaea

O penefiti Social Security ose alagatupe taua tele mo le tele o tagata litaea. I le fa'aogaina o le Social Security calculator, e mafai ai e tagata ta'ito'atasi ona fa'atatauina a latou penefiti i le lumana'i e fa'atatau i a latou tala'aga o tupe maua ma tausaga fa'ata'atia litaea. E fesoasoani lea ia i latou i le fuafuaina o la latou fuafuaga atoa o tupe maua litaea ma faia faaiuga malamalama e uiga i isi punaoa o tupe maua, e pei o teugatupe a le tagata lava ia, penisione, po o teugatupe teufaafaigaluega.

Social Security Optimization

Mo ulugalii faaipoipo, o le Social Security calculator e mafai ona taua tele i le faʻamalieina o latou faʻamanuiaga faʻatasi. E ala i le iloiloina o mea e pei o penefiti taitoalua, penefiti e sao mai, ma fuafuaga e pei o le “faila ma le taofia” po o le “talosaga faatapulaaina,” e mafai ai e ulugalii ona faateleina a latou penefiti tuufaatasi Social Security. E mafai e calculators ona fa'ata'ita'i fa'ata'ita'iga 'ese'ese ma fesoasoani i ta'ito'alua e fa'avasega le ta'iala e sili ona lelei mo latou tulaga fa'apitoa.

Fa'ateleina Fa'amanuiaga

O le taimi e amata ai ona e tapaina penefiti Social Security e mafai ona matua a'afia ai le aofa'i e te mauaina. E mafai e se calculator ona fesoasoani ia te oe e iloilo ai auala eseese e fai ai ma fuafua le matua sili ona lelei e amata ai ona fai penefiti. O le tuai o le amataga o penefiti i tua atu o le matua litaea atoa e mafai ona maua ai le maualuga o penefiti masina, ae o le vave talosagaina o penefiti e mafai ona faʻaitiitia ai totogi masina. E fesoasoani le calculator i tagata ta'ito'atasi ia malamalama i fefa'ataua'iga ma fai fa'ai'uga e fetaui ma a latou sini tau tupe.

Faatatau:

Fuafuaga Litaea | 6 Laasaga ma 4 Fuafuaga masani e amata ile 2023
O le a le tele o le saogalemu lautele o le a ou mauaina le calculator? Siaki atu SSA Calculator 2023

E ui o fua fa'atatau e lua o ni meafaigaluega taua mo fuafuaga litaea, latou te fa'atalanoaina itu eseese o lau tupe maua litaea.

O lo'o taula'i le calculator fa'asao a le litaea i au teuga tupe ma tupe teufaafaigaluega, ma fesoasoani ia te oe e iloilo pe fia le tele o mea e te mana'omia e fa'apolopolo ma fa'aagaga i le aluga o taimi e ausia ai lau sini fa'apolopolo mo le litaea. I le taimi nei, o le calculator Social Security e taulaʻi faʻapitoa i le faʻatusatusaina o au penefiti Social Security, fesoasoani ia te oe e malamalama pe faʻafefea ona aʻafia au tupe maua ma tausaga litaea au penefiti Social Security ma faʻatagaina oe e suʻesuʻe auala eseese e tagi ai e faʻateleina au penefiti.

Ina ia maua se malamalamaga atoatoa i au tupe maua litaea, e taua le mafaufau uma i au tupe teu ma penefiti Social Security i lau fuafuaga litaea.

O le penefiti a le Litaea Social Security o lona uiga e mafai e se tagata ona maua se taui tau tupe faalemasina e toe faafoi mai ai se vaega o a latou tupe maua pe a faaitiitia itula faigaluega pe le toe faigaluega. O loʻo faʻatatauina o le Social Security e siitia ai le 16 miliona tagata e 65 tausaga pe matutua atu mai le mativa i Amerika (CBPP analysis). Afai e te auai i vaega nei, o le a e mauaina atoa penefiti Social Security pe a e litaea.

Tagata faigaluega litaea

O tagata ta'ito'atasi sa faigaluega ma totogi lafoga a le Social Security mo se numera o tausaga (e masani lava 10 tausaga po'o le 40 kuata) e agava'a e maua penefiti litaea pe a o'o i tausaga e agava'a ai. Ole tausaga atoa ole litaea e eseese ile tausaga na fanau mai ai ile 66 ile 67 tausaga.

Taitoalua ma Taitoalua ua Tetea

O taitoalua o tagata faigaluega ua litaea po'o tagata ua le atoatoa le malosi o le tino e ono agava'a e maua penefiti fa'alua, lea e mafai ona o'o atu i le 50% o le aofa'i o penefiti a le tagata faigaluega. O taitoalua ua tete'a ua faaipoipo mo le itiiti ifo i le 10 tausaga ma e le'i toe faaipoipo e mafai foi ona agavaa mo penefiti e faavae i tupe maua a o latou toalua muamua.

Ta'ito'alua ma Fanau Soifua

Pe a maliu se tagata faigaluega, o lona to'alua o lo'o soifua pea ma fanau tausi e ono agava'a mo penefiti o lo'o sao mai. E mafai e le to'alua o lo'o soifua pea ona maua se vaega o le penefiti a le tagata faigaluega ua maliu, ma e mafai fo'i ona maua e fanau e agava'a se fa'amanuiaga se'ia o'o ina matutua pe fa'aletonu.

Tagata faigaluega fa'aletonu

O tagata ta'ito'atasi o lo'o i ai se fa'aletonu fa'apitoa e taofia ai i latou mai le faia o ni gaioiga tele e maua mai ai ma e fa'amoemoe e tumau mo le itiiti ifo i le tasi le tausaga pe i'u i le oti e ono agava'a mo penefiti Inisiua mo le Puipuiga o Tagata e le'o To'atasi (SSDI). O fa'amanuiaga nei e avanoa mo tagata faigaluega ua totogi i totonu o le Social Security system ma fa'amalieina tulaga fa'apitoa.

Tamaiti Fa'alagolago

Tamaiti fa'alagolago a tagata faigaluega litaea, le atoatoa, po'o tagata faigaluega ua maliliu e mafai ona agava'a mo penefiti Social Security seia o'o ina matutua pe fa'aletonu i latou lava. E tatau i tamaiti ona ausia ni tausaga patino, mafutaga, ma manaoga faʻalagolago e agavaa ai.

*Tagata fa'amanuiaina Social Security i le 2019* - *Punavai: Social Security Administration, Ofisa o le Pule Sili*

Faatatau:

O le Social Security calculator e fa'atatau i le tele o mea ma mea e fai e maua ai se fa'atatauga o au penefiti Social Security i le lumana'i. O nisi nei o elemene autu e fesoasoani i faʻatusatusaga e faia e se calculator Social Security:

Tala'aga o Tupe Maua

O lau tala fa'asolopito o tupe maua, ae maise o au tupe maua mai galuega e fa'atatau i lafoga a le Social Security, o se mea taua tele i le fuafuaina o au penefiti Social Security. E iloilo e le calculator au tupe maua i au tausaga faigaluega, e oo atu i le 35 tausaga aupito maualuga o tupe maua fa'asino, e fa'atatau ai lau Average Indexed Monthly Rearnings (AIME).

Tulaga Fa'asinomaga Fa'alemasina Tupe Maua (AIME)

O le AIME o lo'o fa'atusalia le averesi o au tupe maua fa'asino i luga ole 35 tausaga maualuga o au tupe maua. O tupe maua fa'asinoina e fa'atatau i le tau o le tau ma le fa'atupulaia o totogi e atagia ai le tau fa'atatau o au tupe maua i le aluga o taimi.

Aofa'i Inisiua Muamua (PIA)

O le PIA o le aofa'i o penefiti fa'alemasina e te mauaina pe a e tapaina fa'amanuiaga i lou matua litaea atoa (FRA). E fa'aoga e le calculator se fua fa'atatau i lau AIME e fa'atatau ai lau PIA. O le fua fa'atatau e fa'aaoga ai pasene eseese mo vaega eseese o lau AIME, e ta'ua o togi fa'amau, lea e fa'afetaui i tausaga ta'itasi e fa'atatau mo suiga o totogi masani.

Tausaga Litaea Atoa (FRA)

O lau FRA o le matua lea e mafai ai ona e tapaina atoa penefiti litaea Social Security. E fa'avae i lou tausaga na fanau mai ai ma e mafai ona amata mai i le 66 i le 67 tausaga. E iloilo e le calculator lau FRA e fuafua ai le aofa'i o penefiti fa'avae mo lau fa'atatauga PIA.

Faatatau: Tausaga Litaea Atoa: Aisea e le'o vave tele e a'oa'o ai?

Tulaga Tausaga

E fa'atatau e le calculator le tausaga e te fuafua e amata ai ona fai fa'amanuiaga Social Security. O le tapaina o penefiti a'o le'i lau FRA o le a i'u ai i se fa'aitiitiga o lou aofa'i o penefiti fa'alemasina, a'o le tuai o penefiti i tua atu o lau FRA e mafai ona fa'atupula'ia ai lou penefiti e ala i le tuai o aitalafu litaea.

Faamanuiaga Faaipoipo

Afai e te agava'a mo penefiti fa'alua e fa'atatau i le tala fa'asolopito o tupe maua a lou to'alua, e mafai fo'i e le calculator ona iloilo mea nei. O penefiti fa'alua e mafai ona maua ai se fa'aopoopoga o tupe maua, e masani lava e o'o atu i le 50% o le aofa'i o penefiti a lou to'alua.

FAQ

Fesili e Masani ona Fesiligia

E iai sau fesili? E iai a matou tali.

O le a lau uiga o le Social Security?

O le Saogalemu Lautele ose polokalame a le malo e maua ai le fesoasoani tau tupe i tagata agavaa ma o latou aiga. O lo'o ofoina atu penefiti litaea, lē atoatoa le malosi, ma tagata ola e fa'atatau i tala fa'asolopito o tupe maua ma saofaga na faia e ala i lafoga totogi i tausaga faigaluega a le tagata.

E fia le tele o le Social Security e mafai ona ou maua?

Ole aofa'i o penefiti Social Security e mafai ona e mauaina e fa'atatau i lau tala'aga o tupe maua ma le matua e te tapaina ai penefiti. E sili ona fa'aoga le Social Security Calculator meafaigaluega i luga ole laiga pe feutagai ma se faufautua tau tupe mo fa'atatauga fa'apitoa.

O le a ou maua la'u Saogalemu Lautele atoa?

Afai e te tapaina penefiti Social Security i lou matua litaea atoa (FRA, i le tulafono a le US), e masani lava ona e mauaina lau aofaʻi atoa o penefiti.

O le a le matua o le litaea atoa?

Ole tausaga atoa ole litaea (FRA) e eseese ile tausaga ole fanau mai. Mo tagata na fananau mai i luma o le 1938, o le FRA e 65 tausaga. Peitaʻi, mo i latou na fananau i le 1938 pe mulimuli ane, o le FRA e faasolosolo malie lava ona faateleina.

O le a le uiga o le calculator tupe teu litaea?

O lenei calculator e taulaʻi muamua i au tupe teu ma tupe teufaafaigaluega, e pei o teugatupe litaea e pei o le 401 (k), faʻamaumauga litaea a le tagata lava ia (IRAs), ma isi taavale faʻafaigaluega.

O le a le 401 (k)?

O le 401(k) ose fuafuaga fa'asao litaea e lagolagoina e tagata faigaluega e maua i le Iunaite Setete. E mafai ai e tagata faigaluega ona saofagā se vaega o latou totogi a'o le'i totogiina lafoga i se teugatupe litaea.

Siaki atu AhaSlides

Fuafuaga litaea

O le a le fua fa'atatau mo le fa'atatauina o teugatupe a le litaea?

O se fua fa'atatau e masani ona fa'aaoga mo le fa'atatauina o tupe fa'agata litaea o le fua fa'atatau i le lumana'i (FV): FV = PV x (1 + r)^n. E fa'apea e fa'atupula'ia tupe fa'agata litaea i se fua faatatau faifaipea e toe fa'afo'i mai i le aluga o taimi.

Line pito i lalo

O le lumanaʻi o le Social Security e foliga mai e le mafai ona faʻamoemoeina, o lau filifiliga lea e oso-amata vave lau teugatupe litaea. O le fuafuaina o le litaea e mafai ona lofituina i le taimi muamua, ae o le a puipuia ai lau aia tatau ma faʻamanuiaga.

E tele auala e manumalo ai i lau teugatupe litaea, ma e taua tele mo oe le suʻesuʻeina o nisi o polokalame e pei o le 401(k)s poʻo le 403(b)s, Individual Retirement Accounts (IRAs), Simplified Employee Pension (SEP) IRA, SIMPLE IR, ma fa'amanuiaga Social Security. Faaaoga lelei nei polokalame uma ma litaea i luga ole ala calculators e saunia lelei mo le saogalemu litaea.

Faʻamata: Cnbc | Cbpp | S.S.A.