免费养老金计算器
估算您的养老金福利金额，根据服务年限、工资和福利公式进行计算。
Annual Pension Benefit
$37,500
Annual Pension Benefit vs Years of Service
公式
How Pension Benefits Are Calculated
Most defined-benefit pensions use this formula:
Annual Benefit = Final Salary × Years of Service × Multiplier
The multiplier is typically 1.5% to 2.5% per year of service. A 2% multiplier with 25 years gives 50% income replacement.
计算示例
$75,000 salary, 25 years of service, 2% multiplier.
- 01Annual pension = $75,000 × 25 × 2% = $37,500
- 02Monthly pension = $37,500 / 12 = $3,125
- 03Replacement ratio = $37,500 / $75,000 = 50%
常见问题
What is a pension multiplier?
The multiplier (or accrual rate) is the percentage of salary you earn per year of service. A 2% multiplier means each year of work earns you 2% of your final salary as annual pension.
What is final average salary?
Usually the average of your highest 3 or 5 consecutive years of earnings. Some plans use career average instead.
Are pensions taxable?
Yes, pension income is generally taxable as ordinary income at the federal level. Some states exempt pension income from state taxes.
学习