每月交2,000社保，退休只能拿4,000？养老金缺口比你想的大
一个上海打工人计算自己的社保养老金，发现退休后收入会断崖式下跌，必须提前规划。
5 min1200 words
规划您的退休储蓄，查看退休时可获得的资金总额。综合考虑当前存款、定期缴款和预期回报率。
finance
退休金计算器
规划您的退休储蓄，查看退休时可获得的资金总额。综合考虑当前存款、定期缴款和预期回报率。
输入
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结果
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在下面输入值进行计算
这是什么？
Plan your retirement savings and see how much you'll have when you retire. Factor in current savings, contributions, and expected returns.
如何使用
常见问题
What is a retirement calculator?
A retirement calculator is a financial tool that estimates how much money you will need to live comfortably after you stop working. It takes into account your current savings, expected annual contributions, age, retirement age, and expected investment returns to project your future savings balance.
What rate of return should I use?
This depends on your asset allocation (stocks vs. bonds). A conservative estimate is 3-5%, while a more aggressive portfolio might aim for 7-8%. It is generally safer to use a lower, conservative estimate to avoid shortfalls.
How does inflation affect my retirement plan?
Inflation reduces the purchasing power of your money over time. The calculator adjusts your future goal to account for the rising cost of living, ensuring that the amount you save maintains its value in today's dollars.
Does this calculator include Social Security benefits?
Many calculators ask for estimated Social Security income as a separate input. If this specific tool does not have a dedicated field, you should subtract your estimated annual Social Security benefit from your 'Annual Retirement Expenses' to see how much your savings need to cover.
What is the 'Savings Gap' or 'Shortfall'?
The shortfall is the difference between the total amount of money you need to fund your retirement and the projected amount you will actually have saved based on your current inputs. A positive number means you need to save more.
What is the safe withdrawal rate?
The safe withdrawal rate is the percentage of your retirement savings you can withdraw annually without running out of money. The '4% Rule' is a common guideline, suggesting you withdraw 4% of your total savings in the first year.
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