Mkadiriaji wa Kustaafu
Panga pesa ulizoweka akiba kutokana na michango yako na ukatarajia urudi.
Matokeo yanakuwa bora zaidi unapochapa.
Kuhusu kifaa hiki cha kupigia hesabu
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.
Maswali yaliyoulizwa mara nyingi
Ninapaswa kuchukua hatua gani ya kurudia?
Long-run stock-market returns have historically averaged around 6–7% after inflation, but returns are not guaranteed and vary year to year. Use a conservative figure for planning.
Je, Akaunti hilo la kupanuka kwa ulimwengu linategemea nadharia ya kwamba ni muhimu?
Kwa kadirio, kulingana na makadirio, hakuna anayekadiria kwamba pesa za leo zinasawazishwa kwa jina tu.
Ninahitaji kuokoa pesa ngapi kila mwezi ili kustaafu?
Hilo linategemea chungu cha kulengwa, umri wako na muda unaotazamiwa kurudi. Ongoza mchango wa kila mwezi na kukirekebisha mpaka usawaziko wa kustaafu ufikie kiwango unachotaka ÉP huonyesha matokeo ya kazi hiyo unapobadili kiasi hicho.
Je, kweli kuanza kuweka pesa akiba mapema kunafanya tofauti hiyo kubwa?
Naam, kwa sababu michango inayotolewa katika misombo ya ishirini na kitu kwa mwongo wa ziada au miwili. Jaribu kusogeza umri wa sasa mapema zaidi huku ukiweka kila kitu kikiwa kimekazwa na kutazama kadiri usawaziko wakati wa kustaafu unavyokuwa mkubwa zaidi.
"Katika siku hizi fedha" ni kiasi gani?
Inapunguza usawaziko unaokadiriwa kuwa wa kiwango cha infleshoni, kwa hiyo wakati ujao 875,000 huenda ukawa wa thamani ndogo zaidi katika kununua umeme.
Je, ninaweza kuongeza mchango wangu kila mwaka?
Naam, weka mchango wa kila mwaka chini ya uchaguzi wa juu zaidi, na hesabu huongeza mchango wako wa kila mwezi kwa asilimia hiyo kila mwaka Écheo muhimu kwa ajili ya kulipa kiasi kinachotarajiwa kupanda.
API bustanini hutumia kifaa hiki cha hesabu kutoka kwenye mfumo wa sheria
Ipigie simu kifaa hiki cha kupigia hesabu kama Junse É not doot toder. Chochote unachoacha kinatumia kiwango kilekile cha mwisho ambacho ukurasa huu haujakamilika; parameta isiyojulikana ni 400, si sufuri kimya kamwe. Soma habari kamili za API docs →
keyboard label
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);Matokeo ni makadirio ya mwongozo wa ujumla, si wa kifedha, wa kitiba au wa kodi tu.