Calculator ya kuchoka pantchito
Project wanu kuchoka kuntchito kupulumutsa kuchokera ku gawo lanu ndi kuyembekezeredwa kuchira.
Zithunzizi zimasintha monga momwe mumalemba.
Zachidule
A retirement calculator projects how much your savings could grow by the time you retire, from your current age, retirement age, current balance, monthly contribution and an expected annual return. Each month it adds your contribution and applies one-twelfth of the return to the running balance, compounding year after year until your retirement age, then splits the final pot into what you paid in versus what investment growth added.
For example, starting at age 30 with 20,000 saved and adding 500 a month at a 6% annual return, the balance grows to roughly 875,000 by age 65. Of that, only about 230,000 is money you actually contributed — the remaining 640,000 or so is compound growth. Set an inflation rate under advanced options to also see the pot in today’s money.
Use it to check whether your saving rate is on track, to see how retiring a few years later or nudging up the monthly contribution changes the outcome, and to grasp how much of a nest egg comes from decades of compounding rather than from deposits alone.
Mafunso ofunsidwa nthawi zambiri
Kodi ndalama zobwezera ziyenera kuyembekezeredwa?
M'zaka zapitazi, ndalama zochokera m'misika ya ndalama zakhala zikuwonjezeka pafupifupi 6-7% pambuyo pa kuwonjezeka kwa mtengo wa ndalama, koma ndalamazo sizitsimikiziridwa ndipo zimasiyana chaka ndi chaka.
Kodi izi zikuphatikizapo kuwonjezeka kwa mtengo wa ndalama?
Sichoncho — imapanga ndalama zofanana. Kuti muganizire ndalama za lero, kugwiritsa ntchito ndalama zoyenera (zoyembekezeredwa zanu zoyembekezeredwa zosayembekezereka) monga mtengo.
Kodi ndiyenera kusungira ndalama zingati pamwezi kuti ndikhale ndi ndalama zokwanira kuchoka ntchito?
Izi zimadalira ndalama zomwe mukufuna kulandira, zaka zanu ndi ndalama zomwe mukuyembekezera kulandira. Ikani ndalama zomwe mukufuna kulandira mwezi uliwonse ndipo muzisintha mpaka mutachoka ntchito mufike pa ndalama zomwe mukufuna. Calculator imasonyeza zotsatira zosintha pamene musintha ndalama.
Kodi kuyamba kupulumutsa nthawi yaitali kwambiri kumachititsa kuti zinthu zizisiyana kwambiri?
Yes, chifukwa maphunziro anachita mu zaka makumi awiri wanu kuphatikizidwa kwa zowonjezera zaka khumi kapena awiri. Musaiwale kunyamula zaka zatsopano kale pamene kuteteza zonse zina zosasinthika ndi kuona mmene zambiri zochuluka malire pa kuchoka ntchito adzakhala.
Kodi ndi chiyani "pa ndalama za lero" chitsanzo?
Izi discounts woyembekezeka malire mmbuyo ndi wanu anaganiza inflation mtengo, kotero mtsogolo 875,000 angagwiritsidwe ntchito kwambiri pang'ono mu mphamvu yogula. Izi amafunsa zimene pot angagule m'matengo a lero kuposa raw mtsogolo mnda.
Kodi ndingawonjezere ndalama zanga zaka zonse?
Sankhani kuwonjezeka kwa ndalama za chaka chonse pansi pa zosankha zowonjezera, ndipo calculator idzakulitsa ndalama zanu za mwezi ndi kuchuluka kwa ndalamazo chaka chilichonse - zothandiza poyerekezera ndi kuwonjezeka kwa ndalama zomwe zikuyembekezeredwa.
API — kugwiritsa ntchito izi calculator kuchokera code
Kuti mudziwe zambiri, pitani ku www.json.org/json.html. Kuti mudziwe zambiri, pitani ku www.json.org/json.html. Chomweko chilichonse chimene mumasiya chimagwiritsa ntchito mfundo yoyamba yomweyi yomwe tsambali limagwiritsa ntchito; mfundo yosadziwika ndi 400, siyiyenera kukhala zero yosadziwika. Onani zonse API docs →
Chithunzi
GET https://calculator.free/api/v1/retirement/curl
curl "https://calculator.free/api/v1/retirement/?current_age=30&retire_age=65¤t_savings=20000&contribution=500&return_rate=6"JavaScript fetch()
const r = await fetch(
"https://calculator.free/api/v1/retirement/?" + new URLSearchParams({
"current_age": "30",
"retire_age": "65",
"current_savings": "20000",
"contribution": "500",
"return_rate": "6"
}));
const data = await r.json();
console.log(data.results);Zimenezi ndi zowerengera zokhudzana ndi malangizo amtundu uliwonse, si zokhudzana ndi ndalama, zamoyo kapena zokhudzana ndi ndalama.