I-Calculator yokuzibophezela
Uhlelo lwezinzuzo zakho zokuzibophezela eziphuma ekusebenzeni okude kusuka ekuhlolweni kwakho nokubuyiselwa okulindelekile.
Iziphetho zivuselelwa uma ubhala.
Malunga nale khadi
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.
Imibuzo ebuzwa kaningi
Yini inani lokubuyiselwa imali okufanele ngilicabange?
Imali ebuyiselwa emakethe yamasheya esikhathi eside idlulele enyakatho-ntshonalanga efinyelela ku-6-7% ngemuva kokunyuka kwentengo, kodwa imali ebuyiselwa ayiqinisekiswanga futhi ihluka ngonyaka kuya ngonyaka. Sebenzisa inani eliqinile lokuhlela.
Ingabe lokhu kuhlobene nokwehla kwemali?
Akukho - i projection izilinganiso ezibizwa ngegama. Ucabanga imali namhlanje, sebenzisa impumelelo engempela (impumelelo yakho elindelekile ngaphezu ukulahleka ukulahleka okulindelekile) njengesilinganiso.
Ingabe ngidinga ukutshala imali eningi ngenyanga ukuze ngikwazi ukuyeka umsebenzi?
Lokhu kuxhomekeka ku-pot yakho efuna ukuyo, ubudala bakho kanye nemali oyilindeleyo. Faka inkontileka yenyanga futhi uyilungise kuze kube yilapho i-balance ephuma esebenza ifinyelela ku-figure oyifunayo — i-calculator ibonisa imiphumela evuselelwe njengoba ushintsha inani.
Ingabe ukuqalisa ukugcina kuqala kwenza ukuthi kube khona ushintsho olukhulu?
Yebo, ngoba izithobo ezibekiwe ezinyangeni zakho ezingu-20 zihlanganisa iminyaka engaphezu kwengu-10 noma ezimbili. Zama ukudlulisa ubudala lwamanje kuqala ngenkathi ugcina konke okuthile okuqinile futhi ubheke ukuthi ushintsho lukhula kanjani lapho uphuma emsebenzini.
Yini isithombe "ngemali yanamuhla"?
It discounts isilinganiso elindelekile emuva ngesilinganiso sakho ukushintshaniswa kwezimali, ngakho ezayo 875,000 kungase kube ngempela ngaphezu kancane kakhulu enamandla okuthenga. It answers what the pot would buy in today’s prices rather than the raw future number.
Ingabe ngizokwazi ukunciphisa umthwalo wami ngonyaka odlule?
Yebo. Sebenzisa ukukhula konyaka komsebenzi ngaphansi kwezinketho ezithuthukisiwe, futhi i-calculator ikhuphula umsebenzi wakho onyaka ngo-% ngayinye ngonyaka — esetshenziswa ukufana nokulindelekile kwezindleko zokunyuka.
API — sebenzisa le calculator kusuka kukhodi
Nquma le calculator njenge JSON evulekile yendawo yokuqeda - akukho isithonjana esidingekayo. Thumela amaxabiso endawo ngezansi njengezilungiselelo zombuzo noma i-JSON. Noma yini ongayishiya isebenzisa iphutha elifanayo elifakwe ngaphambili lekhasi; ipharamitha engaziwa yi-400, ayikho i-zero emnyama. Funda i-API egcwele →
Ingxenye yendawo
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);Izibalo ziyisilinganiso esisetshenziswa ukuqondisa kuphela, hhayi ukucebisa ngezimali, ukwelashwa noma ukukhokha.