วิธีการคำนวณ Freelance Retirement Planner
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The Freelance Retirement Planner projects retirement value for self-employed workers with no employer 401(k) match. Uses standard compound interest with annual contributions sized as a % of freelance income — typical setup: SEP-IRA (up to 25% of net) or Solo 401(k) (up to $69k in 2024 limits). Calculator projects ending balance, growth split (contributions vs compounding), and annual income at 4% safe withdrawal rate.
สูตร
FV = P×(1+r)^n + PMT × ((1+r)^n − 1) / r
- PMT
- Annual Contribution ($) — Yearly contribution amount
คำแนะนำทีละขั้นตอน
- 1Enter current age, retirement age, current savings
- 2Enter annual freelance income and contribution %
- 3Set expected return (7% historical, 5% conservative)
- 4Calculator projects total value, contributions, growth, and 4% rule income
ตัวอย่างที่มีคำตอบ
อินพุต
Age 35→65, $50k current, $80k income, 20% contribution, 7%
ผลลัพธ์
~$1.8M at 65, ~$72k/yr income
ข้อผิดพลาดที่ควรหลีกเลี่ยง
- ✕Forgetting to factor irregular freelance income
- ✕Not maxing SEP-IRA (25% of net SE income)
- ✕Ignoring taxes on traditional withdrawals
คำถามที่พบบ่อย
SEP-IRA vs Solo 401(k)?
Solo 401(k) allows higher contributions ($23k employee deferral + 25% employer side, total up to $69k) and Roth option. SEP is simpler but capped at 25% of net SE income.
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