免费养老金福利估算器
根据您的工作年限和薪资历史，估算退休后可领取的养老金福利金额。
Annual Pension Benefit
$31,875
Annual Pension Benefit vs Years of Service
公式
Defined Benefit Pension Formula
Annual Pension = Years of Service x Multiplier x Final Average Salary
The multiplier typically ranges from 1% to 2.5% per year of service.
Example Multipliers
计算示例
25 years of service, $85,000 final average salary, 1.5% multiplier.
- 01Annual pension = 25 x 0.015 x $85,000
- 02= 0.375 x $85,000 = $31,875/year
- 03Monthly = $31,875 / 12 = $2,656
- 04Replacement rate = 25 x 1.5% = 37.5%
常见问题
What is a final average salary?
It is typically the average of your highest 3-5 years of earnings. Some plans use your last year of salary. Check your specific plan documents.
Do pensions adjust for inflation?
Some pensions include cost-of-living adjustments (COLAs), while others have fixed benefits. Federal and many state pensions include COLAs.
Can I take a lump sum instead?
Many plans offer a lump sum option. Compare the lump sum to the present value of lifetime payments before deciding. Consider your health and other income sources.
学习