养老金福利估算器
根据工作年限、薪资水平和养老金计划条款，估算您退休后可领取的每月养老金福利金额。
Typically 1-2% per year of service
Annual Pension Benefit
$31,875
Annual Pension Benefit vs Years of Service
公式
Pension Benefit Calculation
Standard Formula
Annual Pension = Years of Service x Multiplier x Final Average Salary
Common Multipliers
Final Average Salary
Usually the average of your highest 3-5 consecutive years of earnings. Some plans use career average instead.
Lump Sum Option
Some plans offer a lump sum payout. A rough equivalent is 15-20x the annual benefit.
计算示例
25 years of service, $85,000 final average salary, 1.5% multiplier.
- 01Annual pension = 25 x 1.5% x $85,000 = $31,875
- 02Monthly pension = $31,875 / 12 = $2,656
- 03Replacement ratio = 25 x 1.5% = 37.5%
- 04Lump sum equivalent = $31,875 x 18 = ~$573,750
常见问题
What is a defined-benefit pension?
A defined-benefit pension guarantees a specific monthly payment in retirement based on a formula involving your salary and years of service. The employer bears the investment risk, unlike a 401(k) where the employee bears the risk.
Should I take the lump sum or monthly payments?
Monthly payments provide guaranteed lifetime income. The lump sum offers flexibility and control but requires careful investment management. If the lump sum is less than 20x the annual benefit, the monthly pension is usually the better deal.
Are pension benefits adjusted for inflation?
Some public pensions include cost-of-living adjustments (COLAs). Most private pensions do not. Without COLAs, inflation erodes pension purchasing power over time.
学习