Yintoni i-Social Security Calculator? Usetyenziswa njani ngokufanelekileyo ngo-2024

Kutheni ufuna i I-Social Security Calculator?

Uninzi lwabantu abancinci, ngakumbi uGen Z bacwangcisa umhlala-phantsi wabo kwangoko. Xa kuthelekiswa nabazali babo. Isizukulwana Z sinembono eyahlukileyo yomhlalaphantsi.

Umnqweno wokuzimela ngokwezimali kunye nenkululeko uqhuba u-Gen Z. Baye babona impembelelo yemingeni yezoqoqosho kwizizukulwana ezidlulileyo kwaye bafuna ukukhusela impilo yabo yezemali kwiminyaka yangaphambili. Ngokusebenza nzima, ukonga ngenkuthalo, kunye nokwenza izigqibo ezikrelekrele zemali, bakholelwa ukuba banokuthatha umhlala-phantsi ngaphambi kwexesha labo bangaphambi kwabo.

Nangona kunjalo, yinxalenye nje encinci onokucinga ngayo. Ukuthatha umhlala-phantsi kwangethuba kuthetha ukuba babanga izibonelelo zoKhuseleko lweNtlalo ngaphambi kokuba bafikelele kwiminyaka yabo yokuthatha umhlala-phantsi ngokupheleleyo, nto leyo ekhokelela kwizibonelelo ezincitshisiweyo ngokusisigxina.

Ngoko ke, kungcono ukuba ube nokuqonda okunzulu I-Social Security Calculatorphambi kokuba wenze isigqibo, ukongeza, ukuphumelela kwisicwangciso sakho sokugcina umhlalaphantsi.

*Ukusebenzisa i-Social Security Calculator ukucwangcisa inkqubo yokonga umhlalaphantsi* | *Umthombo: iStock*

Isiqulatho

Yintoni i-Social Security Calculator?
Ngubani onoxanduva lwe-Social Security Calculator?
Kutheni iSikhalityhuleyitha soKhuseleko lweNtlalo sibalulekile?
IKhatyhuleyitha yoKhuseleko lweNtlalo kunye neKhatyhuleyitha yokonga uMhlalaphantsi
Ngubani onokufumana iiNzuzo zoKhuseleko lweNtlalo?
Indlela yokubala uKhuseleko lweNtlalo?
Imibuzo ebuzwa qho
Okukwintsusa

Baze nini neSocial Security?	14/8/1935
Lubalwa njani uKhuseleko lweNtlalo?	Av ingeniso yenyanga enesalathiso
Yayiphi iI-Social Security Calculator ifunyenwe?	i-USA
Ukuqala nini ukubala ukhuseleko loluntu	Izibonelelo ziqala kwiminyaka engama-62.

Isishwankathelo kwi I-Social Security Calculator

Isicatshulwa esinye

Qala ngemizuzwana.

Fumana eyona template yemibuzo yeendibano ezincinci! Bhalisela simahla kwaye uthathe into oyifunayo kwilayibrari yetemplate!

🚀 Kumafu ☁️

Ikhatyhuleyitha yoKhuseleko lweNtlalo sisixhobo esinceda abantu ukuba baqikelele ikamva labo loKhuseleko loLuntu ngokusekwe kwizinto ezahlukeneyo. UKhuseleko lweNtlalo yinkqubo karhulumente eUnited States ebonelela ngengeniso kubantu abadla umhlala-phantsi, abakhubazekileyo, nabasindileyo kunye neentsapho zabo. Sisiseko somvuzo womhlalaphantsi. Izibonelelo ozifumanayo kuKhuseleko lweNtlalo zisekelwe kwimbali yakho yomvuzo kunye neminyaka okhetha ukuqala ngayo ukufumana izibonelelo.

*Sebenzisa isixhobo sokubala sokugcina umhlalaphantsi ukulungiselela umhlala-phantsi owonwabileyo | Umthombo: iStock*

Ikhatyhuleyitha yoKhuseleko lweNtlalo idla ngokuyilwa kwaye igcinwe ikakhulu zii-arhente zikarhulumente zoLawulo loKhuseleko lweNtlalo (SSA).

I-SSA yi-arhente karhulumente wase-US enoxanduva lokulawula inkqubo yoKhuseleko lweNtlalo. Babonelela ngekhaltyhuleyitha ekwi-intanethi ebizwa ngokuba yi-Retirement Estimator kwiwebhusayithi yabo esemthethweni. Le calculator ivumela abantu ukuba baqikelele izibonelelo zabo zoKhuseleko lwezeNtlalo ngokusekwe kwimbali yabo yemivuzo kunye nobudala obuqikelelweyo bomhlalaphantsi.

Ungazi njani ukuba ungafumana uncedo olupheleleyo loKhuseleko lweNtlalo, okanye ngaba usapho lwakho luya kuxhamla kuzo?

Ngokomzekelo, ukuba iminyaka epheleleyo yomhlalaphantsi yayingama-65 kwaye inzuzo epheleleyo yayiyi-1,000 yeedola, abantu abafake ifayile kwiminyaka engama-62 banokufumana i-80% yemali yabo epheleleyo ye-$ 800 ngenyanga. Kuthekani ukuba iminyaka yobudala epheleleyo yomhlalaphantsi inyusiwe?

Ke, akukho ndlela ingcono kunokusebenzisa i-Social Security Calculator esuka kwi-SSA okanye nayiphi na i-bankcutor yokubala yomhlalaphantsi ukwenza uqikelelo. Makhe sijonge ukuba zeziphi iingenelo onokuzifumana xa usebenzisa i-Social Security Calculator!

isibali senzala yomhlalaphantsi kunye nekhatyhuleyitha yengeniso yomhlalaphantsi — *I-Social Security Calculator inokukunceda wazi nini kwaye njani ukufumana izibonelelo ezipheleleyo ze-SS*| Umthombo: VM

Ukwazisa ngeMali

Iikhaltyhuleyitha zoKhuseleko lweNtlalo zinika abantu ukuqonda okucacileyo malunga nendlela imbali yabo yemivuzo kunye neminyaka yokuthatha umhlala-phantsi ezichaphazela izibonelelo zabo zekamva. Banikezela ngolwazi malunga nokuba yimalini na ingeniso enokulindelwa ngexesha lomhlalaphantsi, ukunceda abantu ukuba bacwangcisele iindleko, uhlahlo lwabiwo-mali, kunye nezikhewu ezinokubakho kwingeniso. Oku kwanda kokuqonda ngezimali kuxhobisa abantu ukuba benze izigqibo ezingcono zemali kwaye bathathe amanyathelo afanelekileyo ukukhusela umhlala-phantsi wabo.

UkuCwangciswa koMhlalaphantsi

Izibonelelo zoKhuseleko lwezeNtlalo zingumthombo obalulekileyo wengeniso kubantu abaninzi abadla umhlala-phantsi. Ngokusebenzisa iKhatyhuleyitha yoKhuseleko lweNtlalo, abantu ngabanye banokuqikelela izibonelelo zabo zexesha elizayo ngokusekwe kwimbali yemivuzo yabo kunye nobudala obuqikelelwayo bomhlalaphantsi. Oku kubanceda ekucwangciseni isicwangciso sabo somvuzo womhlalaphantsi ngokubanzi kunye nokwenza izigqibo ezinolwazi malunga neminye imithombo yengeniso, enjengokugcina imali, imali yomhlalaphantsi, okanye iiakhawunti zotyalo-mali.

UPhuculo loKhuseleko lweNtlalo

Kwizibini ezitshatileyo, iKhatyhuleyitha yoKhuseleko lwezeNtlalo inokubaluleka ngakumbi ekwandiseni izibonelelo zabo ezidibeneyo. Ngokuqwalasela izinto ezinje ngeenzuzo zeqabane, izibonelelo zexhoba, kunye nezicwangciso ezifana "nefayile kunye nokumisa" okanye "isicelo esithintelweyo," izibini zinokwandisa izibonelelo zabo zoKhuseleko lweNtlalo ezidityanisiweyo. Iikhaltyhuleyitha zinokwenza imodeli yeemeko ezahlukeneyo kwaye zincede izibini zigqibe esona sicwangciso siluncedo samabango kwimeko yabo ethile.

Ukwandisa iiNzuzo

Ixesha lokuqalisa kwakho ukwenza ibango lezibonelelo zoKhuseleko lweNtlalo linokuchaphazela kakhulu imali oyifumanayo. Ikhaltyhuleyitha inokukunceda uvavanye iindlela ezahlukeneyo zokubanga kwaye umisele iminyaka eyiyeyona ifanelekileyo yokuqalisa ukwenza ibango lezibonelelo. Ukulibazisa ukuqalisa kweebhenefithi ngaphaya kwexesha elipheleleyo lokuthatha umhlala-phantsi kunokukhokelela kwizibonelelo eziphezulu zenyanga, ngelixa ukwenza ibango leebhenefithi phambi kwexesha kunokukhokelela ekuhlawulweni kweentlawulo zenyanga. Ikhaltyhuleyitha inceda abantu ukuba baqonde urhwebo kunye nokwenza izigqibo ezihambelana neenjongo zabo zemali.

Isicwangciso soMhlalaphantsi | Amanyathelo ama-6 aneziCwangciso ezi-4 eziqhelekileyo zokuqalisa ngo-2023
Lungakanani ukhuseleko loluntu endiza kulufumana isixhobo sokubala? Phuma I-SSA Calculator 2023

Ngelixa zombini izixhobo zokubala zizixhobo ezixabisekileyo zokucwangcisa umhlalaphantsi, zijongana nemiba eyahlukeneyo yomvuzo wakho womhlalaphantsi.

Ikhaltyhuleyitha yokonga imali yomhlalaphantsi igxile kulondolozo lwakho lobuqu kunye notyalo-mali, kwaye ikunceda ukuba uhlole ukuba yimalini na ekufuneka uyigcine kwaye utyale imali ekuhambeni kwexesha ukufikelela usukelo lwakho olunqwenelekayo lokonga lomhlalaphantsi. Ngeli xesha, iKhatyhuleyitha yoKhuseleko lweNtlalo igxile ngakumbi ekuqikeleleni izibonelelo zakho zoKhuseleko lweNtlalo, ikunceda uqonde ukuba umvuzo wakho kunye neminyaka yokuthatha umhlala-phantsi zichaphazela njani izibonelelo zakho zoKhuseleko lweNtlalo kwaye ikuvumela ukuba uphonononge iindlela ezahlukeneyo zokubanga ukuze wandise izibonelelo zakho.

Ukuze ube nolwazi oluphangaleleyo ngomvuzo wakho womhlalaphantsi, kubalulekile ukuba ucingele ukonga kwakho kunye nezibonelelo zoKhuseleko lweNtlalo kwisicwangciso sakho somhlalaphantsi.

Inzuzo yoMhlalaphantsi woKhuseleko lweNtlalo ithetha ukuba umntu unokufumana umvuzo wenyanga wemali obuyisela inxalenye yomvuzo wakhe xa ecutha iiyure zakhe zokusebenza okanye engasasebenzi. Kuqikelelwa ukuba uKhuseleko lweNtlalo luphakamisa i-16 yezigidi zabantu abaneminyaka eyi-65 okanye ngaphezulu kwintlupheko eMelika (uhlalutyo lwe-CBPP). Ukuba ungowala maqela alandelayo, uya kufumana izibonelelo ezipheleleyo zoKhuseleko lweNtlalo xa uthatha umhlala-phantsi.

Abasebenzi abadla umhlala-phantsi

Abantu abaye basebenza kwaye bahlawula irhafu yoKhuseleko lweNtlalo ixesha elithile leminyaka (ngokuqhelekileyo iminyaka eyi-10 okanye iikota ezingama-40) banelungelo lokufumana izibonelelo zomhlalaphantsi xa befikelela kwiminyaka yokufaneleka. Ubudala obupheleleyo bomhlalaphantsi buhluka ngokusekelwe kunyaka wokuzalwa, ukusuka kwi-66 ukuya kwi-67 iminyaka.

Amaqabane Namaqabane Aqhawukileyo

Amaqabane abasebenzi abadla umhlala-phantsi okanye abakhubazekileyo banokufanelekela ukufumana izibonelelo zomtshato, ezinokufikelela kuma-50% emali yebhenefithi yomqeshwa. Amaqabane aqhawukileyo ebetshate iminyaka eli-10 ubuncinci kwaye abaphinda batshate basenokukufanelekela ukufumana izibonelelo ngokusekelwe kwimivuzo yamaqabane abo angaphambili.

Amaqabane Asaphila Nabantwana

Xa umsebenzi esweleka, iqabane labo elisaphilayo kunye nabantwana abaxhomekeke kubo banokufanelekela izibonelelo zexhoba. Iqabane elisaphilayo linokufumana inxalenye yesixa-mali sebhenefithi yomsebenzi oswelekileyo, kwaye abantwana abafanelekileyo banokufumana iibhenefithi de babe badala okanye babe nesiphene.

Abasebenzi abakhubazekileyo

Abantu abanokukhubazeka okufanelekileyo okubathintela ekuzibandakanyeni kumsebenzi ozuzisa kakhulu kwaye kulindeleke ukuba bahlale ubuncinane unyaka omnye okanye babangele ukufa banokufanelekela i-Inshurensi yoKhubazeko lweNtlalo (SSDI). Ezi zibonelelo ziyafumaneka kubasebenzi abaye bahlawula kwiNkqubo yoKhuseleko lweNtlalo kwaye bahlangabezana neendlela ezithile.

Abantwana abaxhomekeke kuye

Abantwana abaxhomekeke kubasebenzi abadla umhlala-phantsi, abakhubazekileyo, okanye abaswelekileyo banokufanelekela izibonelelo zoKhuseleko lweNtlalo bade babe badala okanye bakhubazeke ngokwabo. Abantwana kufuneka bahlangabezane neemfuno ezithile zobudala, ubudlelwane, kunye nokuxhomekeka ukuze bafaneleke.

*Abaxhamli boKhuseleko lweNtlalo ngo-2019* - *Umthombo: uLawulo loKhuseleko lwezeNtlalo, i-Ofisi ye-Chief Actuary*

Ikhatyhuleyitha yoKhuseleko lweNtlalo ithathela ingqalelo imiba emininzi kunye namagalelo ukunika uqikelelo lwezibonelelo zakho zoKhuseleko lweNtlalo kwixesha elizayo. Ezi zilandelayo zezinye zezinto eziphambili ezinegalelo ekubaleni okwenziwa yiKhatyhuleyitha yoKhuseleko loLuntu:

Imbali yemivuzo

Imbali yomvuzo wakho, ngokukodwa umvuzo wakho osuka kwingqesho ephantsi kweerhafu zoKhuseleko lweNtlalo, ngumba obalulekileyo ekumiseleni izibonelelo zakho zoKhuseleko lweNtlalo. Ikhaltyhuleyitha iqwalasela imivuzo yakho kwiminyaka yakho yokusebenza, ukuya kuthi ga kwelona nqanaba liphezulu leminyaka engama-35 yemivuzo enesalathiso, ukubala i-Avareji yakho yeSalathiso seMvuzo yenyanga (AIME).

I-Avareji yeSalathiso seMvuzo yenyanga (AIME)

I-AIME imele i-avareji yengeniso yakho ephawulweyo ngaphezulu kweminyaka yakho eyi-35 ephezulu yomvuzo. Izalathiso zemivuzo zichaza ukunyuka kwamaxabiso kunye nokukhula komvuzo ukubonisa ixabiso elihambelana nemivuzo yakho ekuhambeni kwexesha.

Isixa se-inshurensi esisiseko (PIA)

I-PIA sisixa-mali sebhenefithi yenyanga obuya kuyifumana ukuba wenze ibango lezibonelelo ngexesha lakho elipheleleyo lomhlalaphantsi (FRA). Isibali-manani sisebenzisa ifomula kwi-AIME yakho ukubala iPIA yakho. Ifomula isebenzisa iipesenteji ezahlukeneyo kwiinxalenye ezahlukeneyo ze-AIME yakho, ezaziwa ngokuba ziindawo zokugoba, ezihlengahlengiswa minyaka le ukuze ziphendule utshintsho kumvuzo ophakathi.

Ubudala obugcweleyo bomhlalaphantsi (FRA)

I-FRA yakho bubudala apho ungabanga khona izibonelelo ezipheleleyo zoKhuseleko lweNtlalo yomhlalaphantsi. Isekelwe kunyaka wakho wokuzalwa kwaye inokususela kwiminyaka engama-66 ukuya kwengama-67. Ikhaltyhuleyitha iqwalasela iFRA yakho ukumisela isixa-mali sebhenefithi esisiseko sokubala kwakho kwePIA.

Ukubanga Ubudala

Isibali sithathela ingqalelo iminyaka oceba ukuqala ngayo ukwenza ibango lezibonelelo zoKhuseleko lweNtlalo. Ukwenza ibango leebhenefithi phambi kweFRA yakho kuya kukhokelela ekuthotyweni kwesixa-mali sakho senyanga, ngelixa ukulibaziseka kwezibonelelo ezingaphaya kweFRA yakho kunokonyusa inzuzo yakho ngokulibaziseka kweekhredithi zomhlalaphantsi.

Izibonelelo zomtshato

Ukuba ukufanele ukufumana izibonelelo zeqabane ngokusekelwe kwimbali yomvuzo weqabane lakho, isixhobo sokubala sinokuqwalasela ezi zinto ngokunjalo. Iinzuzo zeqabane zinokubonelela ngomthombo owongezelelweyo wengeniso, ngokuqhelekileyo ukuya kuthi ga kwi-50% yenzuzo yeqabane lakho.

FAQ

Imibuzo ebuzwa qho

Unombuzo? Sinazo iimpendulo.

Uthetha ukuthini ngoKhuseleko lweNtlalo?

Ukhuseleko lweNtlalo yinkqubo karhulumente ebonelela ngenkxaso yengeniso kubantu abafanelekileyo kunye neentsapho zabo. Inika umhlala-phantsi, ukukhubazeka, kunye nezibonelelo zexhoba ezisekelwe kwimbali yemivuzo kunye neminikelo eyenziwa ngeerhafu zomvuzo ngexesha leminyaka yokusebenza komntu.

Ingakanani i-Social Security endinokuyifumana?

Isixa esithile sezibonelelo zoKhuseleko lweNtlalo onokulufumana luxhomekeke kwimbali yakho yomvuzo kunye neminyaka obanga ngayo izibonelelo. Kungcono ukusebenzisa i-Social Security Calculator kwi-intanethi izixhobo okanye udibane nomcebisi wezezimali malunga noqikelelo olulolwakho.

Ngaba ndiza kulufumana uKhuseleko lwam olupheleleyo lweNtlalo?

Ukuba ufaka ibango lezibonelelo zoKhuseleko lweNtlalo ngexesha lakho elipheleleyo lomhlalaphantsi (FRA, ngokomthetho wase-US), uya kufumana isixa sakho esipheleleyo.

Yeyiphi iminyaka yokuthatha umhlala-phantsi ngokupheleleyo?

Iminyaka yobudala epheleleyo yomhlalaphantsi (FRA) iyahluka ngokuxhomekeke kunyaka wokuzalwa. Kubantu abazalwe ngaphambi kowe-1938, iFRA yiminyaka engama-65. Nangona kunjalo, kwabo bazalwa ngo-1938 okanye kamva, i-FRA ikhula ngokuthe ngcembe.

Sithetha ukuthini isibali sogcino-mali lomhlalaphantsi?

Le calculator igxile ikakhulu kulondolozo lwakho lobuqu kunye notyalo-mali, olufana neeakhawunti zomhlala-phantsi ezifana ne-401(k), ii-akhawunti zomhlala-phantsi (i-IRAs), kunye nezinye izithuthi zotyalo-mali.

Yintoni i-401 (k)?

I-401(k) sisicwangciso sokugcina umhlala-phantsi esixhaswe ngumqeshi esifumaneka eMelika. Ivumela abasebenzi ukuba bakhuphe inxalenye yomvuzo wabo wangaphambi kwerhafu kwi-akhawunti yomhlalaphantsi.

Phuma AhaSlides

UkuCwangciswa koMhlalaphantsi

Ithini ifomula yokubala imali eyongiweyo yomhlalaphantsi?

Indlela eqhelekileyo esetyenziswayo yokuqikelela ukonga komhlalaphantsi lixabiso lexesha elizayo (FV) ifomula: FV = PV x (1 + r)^n. Kucingelwa ukuba imali eyongiweyo yomhlalaphantsi ikhula ngesantya esingaguqukiyo sembuyekezo ekuhambeni kwexesha.

Okukwintsusa

Ikamva loKhuseleko lweNtlalo libonakala lingalindelekanga, ngoko lukhetho lwakho ukutsiba-ukuqala ukonga kwakho komhlalaphantsi kungekudala. Ukucwangcisa umhlalaphantsi kunokuba nzima ekuqaleni, kodwa kuya kukhusela ilungelo lakho kunye neenzuzo.

Zininzi iindlela zokuphumelela kugcino lwakho lomhlalaphantsi, kwaye kubalulekile ukuba uphande ezinye iinkqubo ezinje ngo 401(k)s okanye 403(b)s,Iindividual Retirement Accounts (IRAs), Simplified Employee Pension (SEP) IRA, SIMPLE I-IR, kunye nezibonelelo zoKhuseleko lweNtlalo. Thatha ithuba lazo zonke ezi nkqubo kunye nomhlala phantsi kwiikhalityhuleyitha zomkhondo ukulungiselela ngcono ukhuseleko lomhlalaphantsi.

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