Kuɗi
Kalkuleta na ritaya
Yi hasashen ƙimar kadarorin ritaya na yanzu da gudummawar wata-wata a lokacin ritaya.
Ƙara zuwa wurin aikiƘimomin shigarwa
Ana sabunta sakamako yayin da kake rubutu. Babu maɓallin lissafi. Duk lissafin suna gudana a cikin burauzarka.
Jimlar da ake tsammani a lokacin ritaya
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Abin da aka yi hasashen
| Adadin | |
|---|---|
| Adadin da ake ciki na karuwa | — |
| Gudummawar da aka karu | — |
| Jimlar gudummawar da aka biya | — |
| Jimlar da aka kiyasta | — |
Abin da ke cikin hasashen
An auna sandunan zuwa ma'aunin da aka kiyasta. Sandar gudummawar da aka girma ta haɗa da nata ci gaban; sandar da aka biya tana nuna kuɗin da aka bayar a zahiri, don kwatantawa.
Daidaito bayan kowace shekara biyar
| Shekaru | Jimlar da aka kiyasta |
|---|
Gudummawar tana ƙarshen wata kuma ƙimar ta tsaya cak. Teburin yana tafiya duk bayan shekara biyar daga shekarun da ake ciki zuwa lokacin ritaya.
Ƙa’ida
Watanni = (shekarun ritaya − shekarun da ake ciki) × 12. Daidaito bayan an yi hasashen = adadin da ake da shi × (1 + kuɗin wata-wata)watanni + gudummawa × [(1 + ƙimar kowane wata)watanni − 1] ÷ ƙimar wata-wata. Adadin wata-wata = ƙimar shekara-shekara ÷ 12.
Misalin aiki
Shekarun 35 zuwa ritaya a 60 shekaru ne 25 (300 watanni). $100,000 na yanzu a 5% yana girma zuwa $348,129.05; $1,000 a wata yana girma zuwa $595,509.71 akan $300,000 da aka biya. Daidaito bayan an yi hasashen lokacin ritaya: $943,638.75.
Amfani da iyakoki
Matsakaicin farashi, babu cire kuɗi, babu daidaita ma'aikata, babu kuɗaɗe, babu haraji, kuma babu daidaita hauhawar farashi, don haka adadin yana cikin dala na gaba. Ribar kasuwa ta gaske ta bambanta, matakan gudummawa galibi suna canzawa akan aiki, kuma ba a yin kwaikwayon kashe kuɗin ritaya, haraji, da tsawon rai a nan.
FAQ
Shin wannan adadin ne zan iya kashewa a lokacin ritaya?
A'a. Daidaito ne a lokacin ritaya, kafin haraji da kuma kafin duk wani cire kuɗi. Tsawon lokacin da zai ɗauka ya dogara da kashe kuɗi, dawowa bayan ritaya, da tsawon rai.
Shin ya haɗa da daidaiton ma'aikaci?
Sai dai idan kun haɗa daidaiton a cikin gudummawar wata-wata. Shigar da jimlar da aka haɗa don yin ƙira.
Me yasa adadi yake cikin dala na gaba?
Domin ba a yi amfani da daidaita hauhawar farashi ba. A cikin ikon siye na yau, daidaiton yana siyan ƙasa bayan shekaru 25 na hauhawar farashi.
Me zai faru idan na yi ritaya da wuri ko kuma daga baya?
Canza shekarun ritaya. Kowace shekara da aka ƙara tana ƙara gudummawa goma sha biyu da kuma shekara ɗaya ta ci gaba a kan ma'aunin duka, shi ya sa shekarun da suka gabata suke da ƙarfi.
Wane ƙima ya kamata in ɗauka?
Yi amfani da zato mai ra'ayin mazan jiya kuma gwada ƙananan ƙima ma. Matsakaicin ƙima ɗaya yana ɓoye bambancin kasuwa na gaske na shekara-shekara.
Kayan aiki masu alaƙa
- Kalkuleta Mai Amfani da Haɗaɗɗen Riba — lissafin ci gaba iri ɗaya ba tare da shekaru ba
- Kalkuleta na Manufar Ajiyar Kuɗi — warware adadin kowane wata da manufa ke buƙata
- Kalkuleta Mai Dawowa na Shekara-shekara — mayar da ci gaba zuwa ƙimar shekara-shekara
Sakamako kimantawa ne kawai kuma ba ya nufin shawarar ƙwararru.