Kyauta Mai Lissafin Ritaya & 401(k)
Ka tsara ajiyar ritayarka da gudummawoyi, dacewar mai aiki, haɓakar albashi, da hauhawar farashi — sannan ka ga sakamakon a dala na yau. Yana aiki gaba ɗaya a burauzarka.
Ma'auni da aka tsara
$1,667,853
a shekara 65
A dala na yau
$702,785
Ƙarfin siye da aka daidaita da hauhawar farashi
Gudummawoyinka
$299,967
Dacewar mai aiki
$89,990
Haɓakar jari
$1,252,896
Kudin shiga na ritaya
Kudin shiga na wata a ritaya
$5,560
A dala na yau
$2,343
Ana cire 4% a kowace shekara (yana ƙaruwa da hauhawar farashi), ajiyar kudi za ta wuce shekara 120 a wannan ƙirin.
Rarrabuwa na shekara-shekara
| Shekaru | Ma'auni | An bayar | Haɓaka |
|---|---|---|---|
| 31 | $34,823 | $7,800 | $2,023 |
| 32 | $45,495 | $15,756 | $4,739 |
| 33 | $57,079 | $23,871 | $8,208 |
| 34 | $69,642 | $32,149 | $12,493 |
| 35 | $83,255 | $40,592 | $17,663 |
| 36 | $97,996 | $49,203 | $23,793 |
| 37 | $113,947 | $57,987 | $30,960 |
| 38 | $131,197 | $66,947 | $39,250 |
| 39 | $149,839 | $76,086 | $48,753 |
| 40 | $169,976 | $85,408 | $59,568 |
| 41 | $191,715 | $94,916 | $71,799 |
| 42 | $215,173 | $104,614 | $85,559 |
| 43 | $240,474 | $114,507 | $100,967 |
| 44 | $267,750 | $124,597 | $118,154 |
| 45 | $297,145 | $134,889 | $137,256 |
| 46 | $328,810 | $145,386 | $158,424 |
| 47 | $362,910 | $156,094 | $181,816 |
| 48 | $399,618 | $167,016 | $207,601 |
| 49 | $439,121 | $178,156 | $235,965 |
| 50 | $481,620 | $189,519 | $267,101 |
| 51 | $527,330 | $201,110 | $301,220 |
| 52 | $576,479 | $212,932 | $338,547 |
| 53 | $629,313 | $224,991 | $379,322 |
| 54 | $686,095 | $237,291 | $423,805 |
| 55 | $747,107 | $249,836 | $472,271 |
| 56 | $812,649 | $262,633 | $525,016 |
| 57 | $883,044 | $275,686 | $582,358 |
| 58 | $958,637 | $288,999 | $644,637 |
| 59 | $1,039,796 | $302,579 | $712,217 |
| 60 | $1,126,919 | $316,431 | $785,488 |
| 61 | $1,220,426 | $330,560 | $864,866 |
| 62 | $1,320,771 | $344,971 | $950,801 |
| 63 | $1,428,439 | $359,670 | $1,043,769 |
| 64 | $1,543,948 | $374,664 | $1,144,285 |
| 65 | $1,667,853 | $389,957 | $1,252,896 |
⚠ Hasashe ne kawai na koyo, ba shawarar kuɗi ba. Ribar gaskiya tana canzawa kowace shekara; ka bi da duk zato a matsayin abin da za a iya canzawa, ba tabbaci ba. Iyakar gudummawa ta bambanta bisa ƙasa.
Yadda Yake Aiki
Yana tsinkayen ma'aunin ritayarka shekara-bayan-shekara daga gudummawoyinka, dacewar mai aikinka, girman albashi, da riba na saka-jari da ake tsammani — sannan yana rage sakamakon baya zuwa dollar na yau don lambar ta ainihi ma'ana. Duk lissafi yana gudana a burauzarka.
- 1Shigar da yanayinkaShekarunka na yanzu, shekarun ritaya na manufa, ma'aunin yanzu, albashi, kason gudummawarka, sharuɗɗan dacewar mai aikinka, da tsammanoninka don riba, ƙarin albashi, da hauhawar farashi.
- 2Haɗuwa shekara-bayan-shekaraKowace shekara tana ƙara gudummawarka tare da dacewar mai aikinka, tana amfani da girman saka-jari, sannan tana girmata albashinka. An iyakance dacewar mai aikinka zuwa kason dacewar albashi, kamar 401(k) na gaskiya.
- 3Duba tsinkayenMa'aunin da aka tsinkaya a ritaya, iri ɗayan lambar a ƙarfin siyayya na yau, wani rabon gudummawoyi-vs-girma, wani zanen girma, da cikakken tebur shekara-bayan-shekara.
Na ilimi kawai — ba shawarar kuɗi ba. Lambobinka ba su taɓa barin na'urarka ba; babu uwar garke a wannan aikin.
Kayan Aiki Masu Alaƙa
Mai Ƙididdige Manufar Tattara Kuɗi
Tsara manufar tattara kuɗi ta hanyoyi uku: nawa lokaci za a ɗauka kafin a kai ta, nawa za a ajiye kowane wata don kai wata kwanan wata, ko nawa za a samu. Ya haɗa da zaɓuɓɓukan riba mai ƙari, jadawalin girma, da rarrabuwa na shekara-shekara.
Mai Ƙididdige Riba Mai Haɗuwa
Tsara ci gaban jari ko tanadi tare da gudummawa na yau da kullum. Yana nuna jimillar da aka bayar idan aka kwatanta da ribar da aka samu, tare da bayanin shekara-da-shekara.
Na'urar Lissafin Zakka
Lissafta zakka (2.5%) a kan tsabar kuɗi, zinari, azurfa, kadarorin kasuwanci da tanadi bisa nisabin zinari ko azurfa — a kuɗinka, gaba ɗaya a na'urarka.