حاسبة المعاشات التقاعدية
احسب معاش التقاعد المحدد الخاص بك، أو قارن بين المبلغ الإجمالي وخيارات الأقساط السنوية، أو قم بتقييم شراء أرصدة خدمة إضافية.
التفاصيل الخاصة بك
Select a calculator type, enter your details, and click Calculate to see your pension results and projections.
المعاش السنوي
$0
شهريا: $0
Replacement Ratio
0%
Total (30 yrs)
$0
القيمة الحالية
$0
Annual Benefit Over Time (with COLA)
خيار المعاش
خيار المبلغ المقطوع
-
-
Lump Sum Balance Over Time
دليل المستخدم الكامل
What is a Defined Benefit Pension?
A defined benefit (DB) pension is a retirement plan where your employer promises a specific monthly or annual benefit at retirement, based on your salary history and years of service. Unlike defined contribution plans (e.g. 401(k)), you do not manage the investments; the employer bears the investment risk and guarantees the benefit.
Annual Pension = Final Salary × Years of Service × Multiplier (%)
Common multipliers range from 1.5% to 2.5% per year of service. Your final salary is often an average of your last few years of employment.
Calculator Types
المعاش التقاعدي المحدد
Estimate your annual and monthly pension based on final salary, years of service, and a benefit multiplier. Includes COLA (cost of living) projection and present value estimate.
المبلغ المقطوع مقابل المعاش
Compare taking a lump sum payout versus a lifetime annuity. The calculator projects how long the lump sum would last if invested and withdrawn at the same rate as the annuity, and suggests which option may be better for your situation.
كيفية استخدام هذه الآلة الحاسبة
- Select the calculator type: Defined Benefit Pension or Lump Sum vs Annuity.
- For Defined Benefit: enter final salary, years of service, multiplier, current age, retirement age, and COLA rate.
- For Lump Sum vs Annuity: enter the monthly annuity offered, the lump sum offered, retirement age, life expectancy, and expected investment return.
- Click 'Calculate Pension' to see your results.
- Review the main result card, stats, and charts.
- Use this guide to interpret the results and formulas.
فهم نتائجك
Defined Benefit: Annual & Monthly Pension
Your estimated benefit in today's dollars. The replacement ratio is (annual pension ÷ final salary) × 100 and shows what share of your pre-retirement income the pension replaces.
Total Over 30 Years & Present Value
Total benefits assumes 30 years in retirement with COLA applied each year. Present value discounts those future payments to today's dollars at a 4% rate, giving an equivalent lump-sum value.
Lump Sum vs Annuity: Recommendation
If the lump sum, invested at your expected return and withdrawn at the annuity rate, would still have money left after your life expectancy, the calculator may suggest lump sum. If it would run out sooner, annuity may be better for guaranteed lifetime income.
فهم الرسوم البيانية
Annual Benefit Over Time (with COLA)
A line chart showing your projected annual pension payment each year in retirement. The line rises over time when COLA is applied, so you can see how your benefit grows with inflation.
Lump Sum Balance Over Time
Shows the projected balance of the lump sum each year if you invest it and withdraw the same amount as the annuity. If the line falls to zero before your life expectancy, the annuity may provide more security.
الصيغ
Key formulas used by this calculator:
Defined Benefit (annual pension):
Annual Pension = Final Salary × Years of Service × (Multiplier ÷ 100)
With COLA (year n):
Benefit in Year n = Annual Pension × (1 + COLA%)n
Lump sum projection:
Each month: Balance = Balance × (1 + monthly return) − (annual annuity ÷ 12). The calculator runs this for each year of retirement to see when the balance would reach zero.
ملاحظات هامة
- This calculator is for educational and informational purposes only. It is not financial, tax, or legal advice.
- Actual pension benefits depend on your plan's specific rules, early retirement factors, and any survivor options. Contact your plan administrator for exact figures.
- Lump sum vs annuity choice involves longevity risk, inflation, and taxes. Consider consulting a financial advisor before deciding.
Tips
- Use your best estimate of final average salary—often the average of your last 3–5 years.
- COLA rates vary by plan; 2%% is a common assumption but check your summary plan description.
- For lump sum vs annuity, use a conservative expected return (e.g. 4–5%%) to test whether the lump sum would still last.
- If you expect to live longer than the default life expectancy, the annuity may become more attractive.