Pension Calculator ஐ எப்படி கணக்கிடுவது
Pension Calculator என்றால் என்ன?
A defined benefit (DB) pension pays a guaranteed monthly income in retirement, calculated from your salary, years of service, and an accrual rate set by your employer. Unlike 401(k) plans, the investment risk is borne by the employer, not the employee.
படிப்படியான வழிகாட்டி
- 1Annual pension = Final salary × Years of service × Accrual rate
- 2Example: $80,000 salary × 25 years × 1.5% = $30,000/year
- 3Monthly pension = Annual pension / 12
- 4Replacement rate = Annual pension / Pre-retirement salary
- 5Most advisors recommend replacing 70–80% of pre-retirement income
தீர்க்கப்பட்ட எடுத்துக்காட்டுகள்
உள்ளீடு
$80,000 salary, 30 years, 2% accrual
முடிவு
$48,000/year ($4,000/month)
100% replacement if salary unchanged
உள்ளீடு
$60,000 salary, 20 years, 1.5% accrual
முடிவு
$18,000/year ($1,500/month)
30% replacement rate — supplement needed