Iyini I-Social Security Calculator? Isetshenziswa Kanjani Ngokuphumelelayo ngo-2024

Kungani udinga a I-Social Security Calculator?

Intsha eningi, ikakhulukazi iGen Z ihlela ukuthatha umhlalaphansi ngaphambi kwesikhathi. Uma kuqhathaniswa nabazali babo. Isizukulwane Z sinombono ohlukile wokuthatha umhlalaphansi.

Isifiso sokuzimela ngokwezimali nenkululeko siqhuba u-Gen Z. Babone umthelela wezinselelo zomnotho ezizukulwaneni ezedlule futhi bafuna ukuvikela inhlalakahle yabo yezezimali besebancane. Ngokusebenza kanzima, ukonga ngenkuthalo, kanye nokwenza izinqumo ezihlakaniphile zezimali, bakholelwa ukuthi bangathatha umhlalaphansi ngaphambi kwabangaphambi kwabo.

Nokho, kuyingxenye encane yokucabanga ngayo. Ukuthatha umhlalaphansi ngaphambi kwesikhathi kusho ukuthi bafuna izinzuzo Zokuvikeleka Komphakathi ngaphambi kokuba bafinyelele iminyaka yabo yokuthatha umhlalaphansi ephelele, okuholela ezinzuzweni ezincishiswe unomphela.

Ngakho-ke, kungcono ukuba nokuqonda okujulile I-Social Security Calculatorngaphambi kokwenza isinqumo, ngaphezu kwalokho, ukuze uwine ohlelweni lwakho lokonga lomhlalaphansi.

*Ukusebenzisa i-Social Security Calculator ukuhlela uhlelo lokonga lomhlalaphansi* | *Umthombo: iStock*

Okuqukethwe

Iyini I-Social Security Calculator?
Ubani obhekele I-Social Security Calculator?
Kungani i-Social Security Calculator ibalulekile?
I-Social Security Calculator kanye ne-Retirement Savings Calculator
Ubani Ongathola Izinzuzo Zokuvikeleka Komphakathi?
Ungabala kanjani i-Social Security?
imibuzo ejwayelekile ukubuzwa
Umugqa Ongezansi

Baqhamuke nini neSocial Security?	14/8/1935
Ibalwa kanjani i-Social Security?	Imali engenayo yanyanga zonke enenkomba
Wawukuphi I-Social Security Calculator itholakele?	USA
Ungasiqala nini isibali sokuvikeleka komphakathi	Izinzuzo ziqala eminyakeni engu-62.

Ukubuka konke kuvuliwe I-Social Security Calculator

Umbhalo ohlukile

Qala ngemizuzwana.

Thola ithempulethi yemibuzo engcono kakhulu yemibuthano emincane! Bhalisa mahhala futhi uthathe okufunayo kulabhulali yesifanekiso!

🚀 Kumafu ☁️

I-Social Security calculator iyithuluzi elisiza abantu ngabanye ukuthi balinganisele izinzuzo zabo zesikhathi esizayo Zokuvikeleka Komphakathi ngokusekelwe ezintweni ezihlukahlukene. I-Social Security iwuhlelo lukahulumeni e-United States oluhlinzeka ngemali engenayo kubantu asebethathe umhlalaphansi, abakhubazekile, nabasindile kanye nemindeni yabo. Kuyisisekelo semali engenayo yomhlalaphansi. Izinzuzo ozithola ku-Social Security zisekelwe emlandweni wakho wezinzuzo kanye neminyaka okhetha ukuqala ngayo ukuthola izinzuzo.

wokubala okonga impesheni — *Sebenzisa umshini wokubala wokonga impesheni ukuze ulungiselele umhlalaphansi ojabulisayo | Umthombo: iStock*

I-Social Security calculator ivamise ukudalwa futhi inakekelwe ikakhulukazi izikhungo zikahulumeni Social Security Administration (SSA).

I-SSA iyisikhungo sikahulumeni wase-US esinomthwalo wemfanelo wokuphatha uhlelo Lokuvikeleka Komphakathi. Bahlinzeka nge-calculator eku-inthanethi ebizwa ngokuthi I-Retirement Estimator kuwebhusayithi yabo esemthethweni. Lesi sibali sivumela abantu ngabanye ukuthi balinganisele izinzuzo zabo zokuthatha umhlalaphansi Zokuvikeleka Komphakathi ngokusekelwe kumlando wabo wemali engenayo kanye neminyaka yokuthatha umhlalaphansi ehlongozwayo.

Ungazi kanjani ukuthi ungakwazi yini ukuthola izinzuzo ezigcwele ze-Social Security, noma umndeni wakho uzozuza kuzo?

Isibonelo, uma iminyaka egcwele yokuthatha umhlalaphansi ingu-65 futhi inzuzo egcwele ingu-$1,000, abantu abafake izicelo lapho beneminyaka engu-62 bangathola u-80% yenani labo eliphelele lenzuzo engu-$800 ngenyanga. Kuthiwani uma iminyaka yobudala yokuthatha umhlalaphansi inyuswa?

Ngakho-ke, ayikho indlela engcono kunokusebenzisa i-Social Security Calculator evela ku-SSA nanoma yisiphi isibali sokuthatha umhlalaphansi sasebhange ukwenza isilinganiso. Ake sihlole ukuthi yiziphi izinzuzo ongazithola uma usebenzisa i-Social Security Calculator!

isibali senzuzo yomhlalaphansi nesibali semali yomhlalaphansi — *I-Social Security Calculator ingakusiza ukuthi wazi ukuthi uzithola nini futhi kanjani izinzuzo ezigcwele ze-SS*| Umthombo: VM

Ukuqwashisa Kwezezimali

Izibali Zokuvikeleka Komphakathi zinikeza abantu ukuqonda okucacile kokuthi umlando wabo wemiholo kanye neminyaka yokuthatha umhlalaphansi kuzithinta kanjani izinzuzo zabo zesikhathi esizayo. Banikeza imininingwane yokuthi ingakanani imali ongayilindela ngesikhathi sokuthatha umhlalaphansi, ukusiza abantu ngabanye ukuhlela izindleko, isabelomali, kanye nezikhala ezingaba khona emalini engenayo. Lokhu kwanda kokuqwashisa ngezezimali kunikeza abantu amandla okwenza izinqumo ezingcono zezimali futhi bathathe izinyathelo ezifanele zokuvikela umhlalaphansi wabo.

Ukuhlela Umhlalaphansi

Izinzuzo Zokuvikeleka Komphakathi ziwumthombo obalulekile wemali engenayo yabaningi asebethathe umhlalaphansi. Ngokusebenzisa isibali Sokuvikeleka Komphakathi, abantu ngabanye bangalinganisela izinzuzo zabo zesikhathi esizayo ngokusekelwe kumlando wabo wemali engenayo kanye neminyaka yokuthatha umhlalaphansi ehlongozwayo. Lokhu kubasiza ekuhleleni isu labo lemali yomhlalaphansi iyonke kanye nokwenza izinqumo ezinolwazi mayelana neminye imithombo yemali engenayo, njengokulondolozwa komuntu siqu, impesheni, noma ama-akhawunti okutshalwa kwezimali.

Ukuthuthukiswa Kokuphepha Komphakathi

Emibhangqwaneni eshadile, i-Social Security calculator ingabaluleka kakhulu ekuthuthukiseni izinzuzo zabo ezihlangene. Ngokucabangela izici ezifana nezinzuzo zomngane womshado, izinzuzo zabasindile, namasu afana nokuthi “ifayela nokumisa okwesikhashana” noma “uhlelo lokusebenza olukhawulelwe,” imibhangqwana ingakhulisa izinzuzo zayo Zokuvikeleka Komphakathi ezihlanganisiwe. Izibali zingamodela izimo ezihlukene futhi zisize izithandani zinqume isu lokufuna elinenzuzo kakhulu lesimo sabo esithile.

Ukwandisa Izinzuzo

Isikhathi sokuthi uqala nini ukufuna izinzuzo Zokuvikeleka Komphakathi singaba nomthelela omkhulu enani oyitholayo. Isibali singakusiza ukuthi uhlole amasu okumangala ahlukene futhi unqume iminyaka efanelekile yokuqala ukufuna izinzuzo. Ukubambezeleka kokuqala kwezinzuzo ngaphezu kweminyaka egcwele yokuthatha umhlalaphansi kungase kuphumele ezinzuzweni eziphakeme zanyanga zonke, kuyilapho ukufuna izinzuzo kusenesikhathi kungase kubangele ukuncipha kwezinkokhelo zanyanga zonke. Isibali sisiza abantu ngabanye baqonde ukuhwebelana futhi benze izinqumo ezihambisana nemigomo yabo yezezimali.

Ukuhlela Umhlalaphansi | Izinyathelo Eziyisi-6 Ngezinhlelo Ezi-4 Ezivamile Zokuqala Ngo-2023
Singakanani isivikelo somphakathi engizosithola sokubala? Hlola I-SSA Calculator 2023

Nakuba zombili izibali zingamathuluzi abalulekile okuhlela umhlalaphansi, zibhekana nezici ezihlukene zeholo lakho lomhlalaphansi.

I-Calculator yokonga yomhlalaphansi igxile ekongeni kwakho siqu nasekutshaleni imali, futhi ikusiza ukuthi uhlole ukuthi udinga malini ukuze wonge futhi utshale ngokuhamba kwesikhathi ukuze ufinyelele umgomo wakho wokulondoloza umhlalaphansi owawufisa. Okwamanje, isibali Sokuvikeleka Komphakathi sigxile ngokukhethekile ekulinganiseni izinzuzo zakho Zokuvikeleka Komphakathi, sikusiza uqonde ukuthi imali yakho engenayo kanye neminyaka yokuthatha umhlalaphansi kuthinta kanjani izinzuzo zakho Zokuvikeleka Komphakathi futhi ikuvumela ukuthi uhlole amasu ahlukene okumangala ukuze wandise izinzuzo zakho.

Ukuze ube nokuqonda okuphelele kweholo lakho lomhlalaphansi, kubalulekile ukucabangela kokubili izinzuzo zakho siqu zokulondoloza kanye Nezokuphepha Komphakathi ezinhlelweni zakho zokuthatha umhlalaphansi.

Umhlomulo Womhlalaphansi Wokuvikeleka Komphakathi kusho ukuthi umuntu angathola umklomelo wezimali wanyanga zonke obuyisela ingxenye yeholo lakhe lapho ehlisa amahora okusebenza noma engasasebenzi. Kulinganiselwa ukuthi i-Social Security ikhipha abantu abayizigidi ezingu-16 abaneminyaka engu-65 noma ngaphezulu ebuphofini eMelika (ukuhlaziywa kwe-CBPP). Uma ukulawa maqembu alandelayo, uzothola izinzuzo ezigcwele Zokuvikeleka Komphakathi lapho usuthathe umhlalaphansi.

Abasebenzi Abahlala Emhlalaphansi

Abantu abake basebenza futhi bakhokha izintela Zokuvikeleka Komphakathi inombolo ethile yeminyaka (ngokuvamile iminyaka engu-10 noma amakota angama-40) bayafaneleka ukuthola izinzuzo zokuthatha umhlalaphansi uma sebefinyelele iminyaka yobudala yokufaneleka. Iminyaka yobudala egcwele yokuthatha umhlalaphansi iyahlukahluka ngokuya onyakeni wokuzalwa, kusukela eminyakeni engama-66 kuye kwengama-67.

Abashadile Nabahlukanisile

Abashadile babasebenzi asebethathe umhlalaphansi noma abakhubazekile bangase bafanelekele ukuthola izinzuzo zomlingani womshado, okungaba kufikela ku-50% yenani lenzuzo yesisebenzi. Abashadile abadivosile ababeshade okungenani iminyaka engu-10 futhi bengakaphinde bashade bangase bafanelekele izinzuzo ngokusekelwe emalini etholwa ababeshade nabo.

Abashadile Abasaphila Nezingane

Lapho isisebenzi sidlula emhlabeni, umlingani waso osaphila kanye nezingane ezithembele kuzo zingase zifanelekele izinzuzo zokusinda. Umngane womshado osaphila angathola ingxenye yenani lenzuzo yesisebenzi esishonile, futhi izingane ezifanele zingase zithole izinzuzo zize zibe abantu abadala noma zikhubazeke.

Abasebenzi Abakhubazekile

Abantu abanokukhubazeka okufanelekayo okubavimbela ekuhlanganyeleni emsebenzini onenzuzo enkulu futhi okulindeleke ukuthi kuhlale okungenani unyaka owodwa noma kuphumele ekufeni bangase bafanelekele izinzuzo Zomshwalense Wokuvikeleka Komphakathi (SSDI). Lezi zinzuzo zitholakala kubasebenzi abakhokhe ohlelweni Lokuphepha Komphakathi futhi bahlangabezana nemibandela ethile.

Izingane Ezithembekile

Izingane ezincikile zezisebenzi ezithathe umhlalaphansi, ezikhubazekile, noma ezishonile zingase zifanelekele izinzuzo Zokuvikeleka Komphakathi kuze kube yilapho sezikhulile noma zikhubazeke ngokwazo. Izingane kufanele zihlangabezane nezidingo ezithile zeminyaka yobudala, ubudlelwano, nokuncika ukuze zifaneleke.

*Abahlomuli Bezokuphepha Komphakathi ngo-2019* - *Umthombo: Ukuphathwa Kwezokuphepha Komphakathi, Ihhovisi Le-Chief Actuary*

Isibali Sokuvikeleka Komphakathi sicabangela izici ezimbalwa nokokufaka ukuze sikunikeze isilinganiso sezinzuzo zakho zesikhathi esizayo Zokuvikeleka Komphakathi. Okulandelayo ezinye zezinto ezibalulekile ezifaka isandla ekubalweni okwenziwe yisibali Sokuvikeleka Komphakathi:

Umlando Wemiholo

Umlando wakho wemali oyitholayo, ikakhulukazi umholo wakho ovela emsebenzini ongaphansi kwezintela Zokuvikeleka Komphakathi, uyisici esibalulekile ekunqumeni izinzuzo zakho Zokuvikeleka Komphakathi. Isibali sicabangela umholo wakho phakathi neminyaka yakho yokusebenza, kuze kufike eminyakeni engama-35 ephakeme kakhulu yemali engenayo enenkomba, ukuze ubale Iholo lakho Elimaphakathi Lenyanga Elinezikhombo (AIME).

I-Average Indexed Monthly Earnings (AIME)

I-AIME imele isilinganiso semali engenayo ekhonjiwe phakathi neminyaka yakho ephezulu engu-35 yenzuzo. Iholo elinenkomba lihlanganisa ukwehla kwamandla emali kanye nokukhula komholo ukuze kubonise inani elihlobene lenzuzo yakho ngokuhamba kwesikhathi.

Inani Lomshwalense Oyinhloko (PIA)

I-PIA yisamba senzuzo yanyanga zonke oyoyithola uma ufaka isicelo semihlomulo ngesikhathi sakho esigcwele sokuthatha umhlalaphansi (FRA). Isibali sisebenzisa ifomula ku-AIME yakho ukuze ubale i-PIA yakho. Ifomula isebenzisa amaphesenti ahlukene ezingxenyeni ezihlukene ze-AIME yakho, ezaziwa ngokuthi amaphoyinti okugoba, alungiswa minyaka yonke ukuze abhekane nezinguquko emholweni omaphakathi.

Iminyaka Egcwele Yokuthatha Umhlalaphansi (FRA)

I-FRA yakho iminyaka lapho ungafuna khona izinzuzo ezigcwele zomhlalaphansi we-Social Security. Isekelwe onyakeni wakho wokuzalwa futhi ingasukela eminyakeni engama-66 kuye kwengama-67. Isibali sicabangela i-FRA yakho ukuze sinqume inani lenzuzo eyisisekelo yesibalo sakho se-PIA.

Ibanga Ubudala

Isibali sicabangela iminyaka ohlela ukuqala ngayo ukufuna izinzuzo Zokuvikeleka Komphakathi. Ukufuna izinzuzo ngaphambi kwe-FRA yakho kuzophumela ekwehliseni inani lenzuzo yakho yanyanga zonke, kuyilapho ukubambezeleka kwezinzuzo ezingaphezu kwe-FRA yakho kungakhuphula inzuzo yakho ngokubambezeleka kwamakhredithi omhlalaphansi.

Izinzuzo Zomlingani

Uma ufaneleka ukuthola izinzuzo zomngane womshado ngokusekelwe emlandweni wezinzuzo zomlingani wakho womshado, isibali singase sicabangele lezi zici futhi. Izinzuzo zomshado zingakunikeza umthombo owengeziwe wemali engenayo, ngokuvamile efika ku-50% yenani lenzuzo yomlingani wakho womshado.

Imibuzo Evame Ukubuzwa

imibuzo ejwayelekile ukubuzwa

Unombuzo? Sinazo izimpendulo.

Usho ukuthini nge-Social Security?

I-Social Security iwuhlelo lukahulumeni olunikeza ukwesekwa kwemali engenayo kubantu abafanelekayo nemindeni yabo. Inikeza izinzuzo zomhlalaphansi, ukukhubazeka, kanye nezinzuzo zosinda ezisekelwe emlandweni wezinzuzo neminikelo eyenziwa ngezintela ezikhokhelwayo phakathi neminyaka yokusebenza komuntu.

Ingakanani I-Social Security engingayizuza?

Inani elithile lezinzuzo Zokuvikeleka Komphakathi ongazithola lincike emlandweni wakho wemali engenayo kanye neminyaka ofuna ngayo izinzuzo. Kungcono ukusebenzisa amathuluzi aku-inthanethi eSibali Sokuvikeleka Komphakathi noma uxhumane nomeluleki wezezimali ukuze uthole izilinganiso eziqondene nawe.

Ingabe ngizoyithola i-Social Security yami ephelele?

Uma ufuna izinzuzo Zokuvikeleka Komphakathi ngesikhathi sakho esigcwele sokuthatha umhlalaphansi (i-FRA, ngokomthetho wase-US), ngokuvamile uzothola inani lenzuzo yakho eligcwele.

Iyini iminyaka yokuthatha umhlalaphansi ngokugcwele?

Iminyaka yobudala egcwele yokuthatha umhlalaphansi (FRA) iyahlukahluka kuye ngonyaka wokuzalwa. Kubantu abazalwa ngaphambi kuka-1938, i-FRA ineminyaka engama-65. Kodwa-ke, kulabo abazalwa ngo-1938 noma kamuva, i-FRA ikhula kancane kancane.

Sisho ukuthini isibali sokulondoloza umhlalaphansi?

Lesi sibali sigxile kakhulu ekongeni kwakho siqu nasekutshalweni kwezimali, njengama-akhawunti omhlalaphansi afana no-401(k), ama-akhawunti omhlalaphansi ngamunye (ama-IRA), nezinye izimoto zokutshala izimali.

Yini i-401 (k)?

I-401(k) iwuhlelo lokonga lomhlalaphansi oluxhaswe ngumqashi olutholakala e-United States. Ivumela abasebenzi ukuthi banikele ingxenye yeholo labo langaphambi kwentela ku-akhawunti yomhlalaphansi.

Bheka ama-AhaSlides

Ukuhlela Umhlalaphansi

Ithini ifomula yokubala ukonga komhlalaphansi?

Ifomula evame ukusetshenziswa yokulinganisa ukonga kokuthatha umhlalaphansi inani lesikhathi esizayo (FV) ifomula: FV = PV x (1 + r)^n. Kuthatha ngokuthi imali eyongiwe yomhlalaphansi ikhula ngezinga eliqhubekayo lembuyiselo ngokuhamba kwesikhathi.

Umugqa Ongezansi

Ikusasa Lokuvikeleka Komphakathi libonakala lingabikezeleki, ngakho-ke kuyisinqumo sakho ukuqala ngokushesha ukonga kwakho komhlalaphansi. Ukuhlela umhlalaphansi kungase kube nzima ekuqaleni, kodwa kuzovikela ilungelo lakho kanye nezinzuzo.

Ziningi izindlela zokuwina ekulondolozeni kwakho umhlalaphansi, futhi kubalulekile ukuthi ucwaninge ezinye izinhlelo ezifana no-401(k)s noma 403(b)s, Individual Retirement Accounts (IRAs), Simplified Employee Pension (SEP) IRA, SIMPLE Izinzuzo ze-IR, kanye Nezokuphepha Komphakathi. Thatha ithuba lazo zonke lezi zinhlelo kanye nokuthatha umhlalaphansi kuma-track calculator ukuze ulungiselele kangcono ukuphepha komhlalaphansi.

Ref: Cnbc | Cbpp | I-SSA