Chii chinonzi Social Security Calculator? Maitiro Ekushandisa Zvinobudirira muna 2024

Nei uchida a Social Security Calculator?

Vechidiki vazhinji, kunyanya Gen Z varikuronga zvekuenda pamudyandigere. Kuenzaniswa nevabereki vavo. Chizvarwa Z chine maonero akasiyana ekurega basa.

Chido chekuzvimiririra mune zvemari uye rusununguko chinotyaira Gen Z. Vakaona kukanganisa kwematambudziko ehupfumi kuzvizvarwa zvakapfuura uye vanoda kuchengetedza hutano hwavo hwemari pazera rekutanga. Nekushanda nesimba, kuchengetedza neushingi, uye kuita sarudzo dzakangwara dzemari, vanotenda kuti vanogona kuenda pamudyandigere pamberi pevakavatangira.

Zvisinei, chinongova chikamu chiduku chokufunga nezvacho. Kuenda pamudyandigere kunoreva kuti vanoti Social Security mabhenefiti vasati vasvika zera ravo rekurega basa, izvo zvinotungamira kuderedzwa zvachose.

Saka, zviri nani kuve nekunzwisisa kwakadzama kwe Social Security Calculator usati waita sarudzo, kuwedzera, kuhwina paurongwa hwako hwekuchengetedza pamudyandigere.

*Kushandisa Social Security Calculator kuronga chirongwa chekuchengetedza pamudyandigere* | *Kwayaka: iStock*

Zviri Mukati

Chii chinonzi Social Security Calculator?
Ndiani ane basa reSocial Security Calculator?
Sei iyo Social Security Calculator yakakosha?
Social Security Calculator uye Retirement Savings Calculator
Ndiani Anogona Kuwana Social Security Benefits?
Nzira yekuverenga sei Social Security?
Mibvunzo Inonyanya Kubvunzwa
Bottom Line

Vakauya rinhi neSocial Security?	14/8/1935
Ko Social Security inoverengwa sei?	Av indexed pamwedzi mihoro
Kwaive kupi Social Security Calculator yawanikwa?	USA
Inguva yekutanga social security calculator	Benefits inotanga pazera re62.

Overview on Social Security Calculator

Zvimwewo Zvinyorwa

Tanga mumasekondi.

Tora yakanakisa bvunzo template yekuungana kudiki! Saina mahara uye tora zvaunoda kubva kutemplate raibhurari!

Kusvikira kumakore ☁️

A Social Security Calculator chishandiso chinobatsira vanhu kufungidzira ramangwana ravo Social Security mabhenefiti zvichienderana nezvinhu zvakasiyana. Social Security chirongwa chehurumende muUnited States chinopa mari kune vakasiya basa, vakaremara, uye vari kurarama vanhu nemhuri dzavo. Ndiyo hwaro hwemari yemudyandigere. Mabhenefiti aunowana kubva kuSocial Security anobva pane yako nhoroondo yaunowana uye zera raunosarudza kutanga kugamuchira mabhenefiti.

pension saving calculator — *Shandisa Pension saving Calculator kugadzirira retirement inofadza | Kunobva: iStock*

Social Security Calculator inowanzogadzirwa uye inochengetwa zvakanyanya nemasangano ehurumende Social Security Administration (SSA).

Iyo SSA isangano rehurumende yeUS rinotarisira kutungamira chirongwa cheSocial Security. Ivo vanopa online Calculator inonzi Retirement Estimator pane yavo yepamutemo webhusaiti. Iyi Calculator inobvumira vanhu kuti vafungidzire mabhenefiti avo eSocial Security emudyandigere zvichienderana nenhoroondo yavo yemuhoro uye zera rekurega basa.

Nzira yekuziva sei kana iwe uchikwanisa kuzara kweSocial Security mabhenefiti, kana mhuri yako ichabatsirwa nazvo?

Semuenzaniso, kana nguva yakazara yekurega basa yaiva makumi matanhatu nemashanu uye mari yakazara yaiva $ 65, vanhu vakaisa pazera remakore makumi matanhatu nemaviri vanogona kuwana 1,000% yemari yavo yakazara ye $ 62 pamwedzi. Zvakadini kana zera rose rekurega basa rikawedzerwa?

Saka, hapana nzira iri nani kupfuura kushandisa Social Security Calculator kubva kuSSA kana chero kubhangi retirement calculator kuita fungidziro. Ngatitarisei kuti ndeapi mabhenefiti aunogona kuwana kana iwe ukashandisa Social Security Calculator!

retirement interest Calculator & retirement income Calculator — *Social Security Calculator inogona kukubatsira kuziva kuti riini uye sei kuwana yakazara maSS mabhenefiti* | Kunobva: VM

Kuzivisa Kwemari

Social Security Calculator inopa vanhu kunzwisisa kwakajeka kwekuti nhoroondo yavo yemuhoro uye zera remudyandigere zvinokanganisa mabhenefiti avo mune ramangwana. Vanopa ruzivo rwekuti imarii mari yekutarisira panguva yekuenda pamudyandigere, kubatsira vanhu kuronga mari, bhajeti, uye mikana inogona kuitika mumari. Uku kuwedzera kuziva kwezvemari kunopa simba vanhu kuita sarudzo dzemari dziri nani uye kutora matanho akakodzera kuchengetedza pamudyandigere wavo.

Retirement Planning

Social Security mabhenefiti ndiwo akakosha ekuwana mari kune vakawanda vakasiya basa. Nekushandisa Social Security Calculator, vanhu vanogona kufungidzira mabhenefiti avo emunguva yemberi zvichienderana nenhoroondo yavo yemuhoro uye zera rekurega basa. Izvi zvinovabatsira mukuronga hurongwa hwavo hwese hwemari yemudyandigere uye kuita sarudzo dzine ruzivo nezve mamwe masosi emari, senge yekuchengetera munhu, penjeni, kana maakaundi ekudyara.

Social Security Optimization

Kune vakaroorana, Social Security calculator inogona kunyanya kukosha mukugadzirisa mabhenefiti avo akabatanidzwa. Nekufunga zvinhu zvakaita semabhenefiti evaroora, mabhenefiti, uye nzira dzakaita se "faira uye kumisa" kana "kurambidzwa application," vakaroorana vanogona kuwedzera mabhenefiti avo akasanganiswa eSocial Security. Ma Calculator anogona kuenzanisira akasiyana mamiriro uye kubatsira vakaroora kuona yakanyanya kunaka nzira yekureva yemamiriro avo chaiwo.

Kuwedzera Benefits

Nguva yaunotanga kutora Social Security mabhenefiti inogona kukanganisa zvakanyanya mari yaunogamuchira. Calculator inogona kukubatsira kuongorora nzira dzakasiyana dzekuti uye kuona zera rakakwana rekutanga kutora mabhenefiti. Kunonoka kutanga kwemabhenefiti kupfuura zera rakazara remudyandigere kunogona kukonzera mabhenefiti epamwedzi epamusoro, nepo kukumbira mabhenefiti nekukurumidza kunogona kukonzera kuderedzwa kwekubhadhara pamwedzi. Iyo Calculator inobatsira vanhu kunzwisisa kutengeserana-offs uye kuita sarudzo dzinoenderana nezvinangwa zvavo zvemari.

Retirement Planning | Matanho matanhatu ane mana Akajairwa Zvirongwa Kutanga muna 6
Yakawanda sei social security yandichawana Calculator? Buda SSA Calculator 2023

Nepo ese macalculator ari maturusi akakosha ekuronga pamudyandigere, anogadzirisa zvakasiyana-siyana zvemari yako yemudyandigere.

Iyo yeretirement saving calculator inotarisa pane yako yekuchengeta uye mari, uye inokubatsira kuongorora kuti yakawanda sei yaunoda kuchengetedza uye kuisa mari nekufamba kwenguva kuti usvike pane chako chaunoda kuchengetedza chinangwa. Zvichakadaro, iyo Social Security calculator inotarisa zvakanyanya pakufungidzira mabhenefiti ako eSocial Security, inokubatsira kuti unzwisise kuti mihoro yako uye zera remudyandigere zvinokanganisa mabhenefiti ako eSocial Security uye inokutendera kuti uongorore nzira dzakasiyana dzekuti kuti uwedzere mabhenefiti ako.

Kuti uve nekunzwisisa kwakazara kwemari yako yekurega basa, zvakakosha kuti utarise zvese zvauri kuchengetedza uye Social Security mabhenefiti mukuronga kwako kwekurega.

Kubatsirwa kweSocial Security Retirement kunoreva kuti munhu anogona kugamuchira mubairo wepamwedzi wemari unodzosera chikamu chemari yaanowana kana vadzikisa maawa ebasa kana kusashanda. Inofungidzirwa kuti Social Security inosimudza 16 mamiriyoni evanhu vane makore makumi matanhatu nemashanu kana kupfuura kubva muurombo muAmerica (CBPP analysis). Kana iwe uri wemapoka aya anotevera, uchawana zvizere zveSocial Security kana waenda pamudyandigere.

Vashandi Vakasiya Basa

Vanhu vakashanda uye vakabhadhara mutero weSocial Security kweimwe nhamba yemakore (kazhinji makore gumi kana makumi mana emakota) vanokodzera kuwana mabhenefiti emudyandigere kana vasvika zera rekukodzera. Zera rakazara rekurega basa rinosiyana zvichienderana negore rekuzvarwa, kubva pa10 kusvika ku40 makore.

Vakaroorana neVakarambana

Vakaroorana vevashandi vakarega basa kana vakaremara vanogona kukodzera kuwana mabhenefiti evakaroorana, ayo anogona kusvika pa50% yemari yemubatsiri. Vakaroorana vakarambana vakaroorana kweanenge makore gumi uye vasati varoorazve vanogonawo kukodzera kuwana mabhenefiti zvichienderana nemari yavaitambira.

Vakaroorana Vachiri Kurarama uye Vana

Kana mushandi akafa, mukwanyina akasara uye vana vaanovimba navo vangakodzera kuwana mabhenefiti. Mudzimai asara anogona kuwana chikamu chemari yemubatsiri wemushakabvu, uye vana vanokodzera vanogonawo kuwana mabhenefiti kusvika vakura kana kuremara.

Vakaremara Vashandi

Vanhu vane hurema hwakakodzera hunovadzivisa kuita basa rakakura rinowana uye rinotarisirwa kugara kweinenge gore rimwe chete kana kuguma nerufu vangave vakakodzera kuwana Social Security Disability Insurance (SSDI). Aya mabhenefiti anowanikwa kune vashandi vakabhadhara muSocial Security system uye vanosangana nemaitiro chaiwo.

Vana Vanotsamira

Vana vanovimba nevashandi vakasiya basa, vakaremara, kana vakafa vanogona kunge vachikodzera kuwana Social Security mabhenefiti kudzamara vakura kana kuremara ivo pachavo. Vana vanofanira kuzadzisa zera rakati, hukama, uye zvinodiwa kuti vakwanise.

*Social Security vanobatsirwa muna 2019* - *Kwakabva: Social Security Administration, Hofisi yeChief Actuary*

YeSocial Security Calculator inofunga zvakati wandei zvinhu uye zvekushandisa kuti ipe fungidziro yeramangwana rako reSocial Security mabhenefiti. Izvi zvinotevera zvimwe zvezvinhu zvakakosha zvinobatsira pakuverenga kunoitwa neSocial Security Calculator:

Earnings History

Nhoroondo yako yaunowana, kunyanya mari yako kubva kubasa zvichienderana neSocial Security tax, chinhu chakakosha pakusarudza yako Social Security mabhenefiti. Iyo Calculator inotarisa mihoro yako pamusoro pemakore ako ekushanda, kusvika kumakore makumi matatu epamusoro emuhoro wakanyorwa, kuti uverenge yako Avhareji Indexed Monthly Earnings (AIME).

Avhareji yeMihoro yeMwedzi (AIME)

Iyo AIME inomiririra avhareji yemari yako yakarongwa pamusoro pemakore ako epamusoro makumi matatu nemashanu emuhoro. Indexed mihoro account yekukwira kwemitengo uye kukura kwemuhoro kuratidza kukosha kwemari yaunowana nekufamba kwenguva.

Primary Inishuwarenzi Mari (PIA)

Iyo PIA ndiyo mari yekubatsirikana yepamwedzi yawaizogamuchira kana ukataura mabhenefiti pazera rako rekurega basa (FRA). Iyo Calculator inoshandisa formula kune yako AIME kuverenga PIA yako. Iyo formula inoshandisa zvikamu zvakasiyana zvezvikamu zvakasiyana zveAIME yako, inozivikanwa semabhendi mapoinzi, ayo anogadziridzwa gore negore kuti azvidavirire nezvekuchinja kweavhareji muhoro.

Zera Rakazara Remudyandigere (FRA)

Yako FRA ndiyo zera raunogona kutora zvizere Social Security retirement benefits. Inobva pagore rako rekuzvarwa uye inogona kubva pamakore makumi matanhatu nematanhatu kusvika makumi matanhatu nemanomwe. Iyo Calculator inotarisa FRA yako kuti itarise iyo yekutanga bhenefiti yemari yePIA yako kuverenga.

Kutsvaga Zera

Iyo Calculator inofunga nezvezera raunoronga kutanga kutora Social Security mabhenefiti. Kutsvaga mabhenefiti pamberi peFRA yako kuchaita kuti kuderedzwa kwemari yako yepamwedzi yemubhadharo, nepo kunonoka mabhenefiti kunze kweFRA yako kunogona kuwedzera mubairo wako kuburikidza nekunonoka kukwereta kiredhiti.

Mabhenefiti Evakaroorana

Kana iwe uchikodzera kuwana mabhenefiti ewawakaroorana naye zvichienderana nemari yewawakaroorana naye nhoroondo, iyo calculator inogona kufunga nezvezvinhu izvi zvakare. Mabhenefiti evakaroorana anogona kupa imwezve sosi yemari, kazhinji inosvika makumi mashanu muzana emari yemubatsiri wemumwe wako.

FAQ

Mibvunzo Inonyanya Kubvunzwa

Une mubvunzo? Tine mhinduro.

Unorevei neSocial Security?

Social Security chirongwa chehurumende chinopa rubatsiro rwemari kune vanhu vanokodzera nemhuri dzavo. Inopa pamudyandigere, kuremara, uye mupukunyuki mabhenefiti zvichienderana nenhoroondo yemuhoro uye mipiro yakaitwa kuburikidza nemitero yekubhadhara mukati memakore ekushanda kwemunhu.

Yakawanda sei Social Security yandinogona kuwana?

Iyo chaiyo huwandu hweSocial Security mabhenefiti iwe aunogona kuwana zvinoenderana neyako mihoro nhoroondo uye zera raunoti mabhenefiti. Zvakanakisa kushandisa maturusi eSocial Security Calculator online kana kubvunza chipangamazano wezvemari kune fungidziro yakasarudzika.

Ndichawana Social Security yangu yakazara here?

Kana iwe ukati Social Security mabhenefiti pazera rako rakazara remudyandigere (FRA, nemutemo weUS), iwe unowanzo kugamuchira yako yakazara mari yekubatsirika.

Izera ripi retirendi yakazara?

Nguva yakazara yekurega basa (FRA) inosiyana zvichienderana negore rekuzvarwa. Kune vanhu vakazvarwa 1938 isati yasvika, iyo FRA ine makore makumi matanhatu nemashanu. Zvisinei, kune avo vakazvarwa muna 65 kana kuti gare gare, FRA inowedzera zvishoma nezvishoma.

Ko retirement savings calculator inorevei?

Iyi karukureta inonyanya kutarisisa pane yako yekuchengeta uye mari, senge maakaundi ekurega basa senge 401 (k), maakaundi ekurega basa (IRAs), uye dzimwe mota dzekudyara.

Chii chinonzi 401 (k)?

A 401 (k) chirongwa chekuchengetedza pamudyandigere chinotsigirwa nemushandirwi chinowanikwa muUnited States. Inobvumira vashandi kuti vape chikamu chemubhadharo wavo wekutanga-mutero kuaccount yekurega basa.
Tarisa AhaSlides Retirement Planning

Ndeipi nzira yekuverenga mari yekurega basa?

Nzira inowanzo shandiswa yekufungidzira mari yakachengetwa pamudyandigere ndiyo yakakosha yeramangwana (FV) fomula: FV = PV x (1 + r)^n. Inofungidzira kuti mari yekurega basa inokura pamwero wenguva dzose wekudzoka nekufamba kwenguva.

Bottom Line

Ramangwana reSocial Security rinoratidzika kunge risingafungidzike, saka isarudzo yako kusvetuka-kutanga mari yako yekurega basa nekukurumidza. Kuronga kuenda pamudyandigere kunogona kunetsa pakutanga, asi kuchadzivirira kodzero yako nemabhenefiti.

Pane nzira dzakawanda dzekuhwina pakuchengetedza kwako pamudyandigere, uye zvakakosha kuti utsvage zvimwe zvirongwa zvakaita se401 (k)s kana 403(b)s, Individual Retirement Accounts (IRAs), Simplified Employee Pension (SEP) IRA, SIMPLE. IR, uye Social Security mabhenefiti. Tora mukana weaya mapurogiramu ese uye pamudyandigere pane track Calculator kugadzirira zvirinani kuchengetedza pamudyandigere.

Ref: Cnbc | Cbpp | S.S.A.