Pension Calculatorని ఎలా లెక్కించాలి
Pension Calculator అంటే ఏమిటి?
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.
దశల వారీ గైడ్
- 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
పరిష్కరించిన ఉదాహరణలు
ఇన్పుట్
$80,000 salary, 30 years, 2% accrual
ఫలితం
$48,000/year ($4,000/month)
100% replacement if salary unchanged
ఇన్పుట్
$60,000 salary, 20 years, 1.5% accrual
ఫలితం
$18,000/year ($1,500/month)
30% replacement rate — supplement needed