Sida loo abuuro jadwalka dakhliga hawlgabka
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Qorshaha dakhligaaga hawlgabka oo bilowga hal sanno ee sannad-dugsiyeedka kasta, da'daada da'daada ah (iyo haddii da'da isqaba ee da'da) ee ku xiga ee ku xiga sanad-dugsiyeed kasta.
Kordhinta saadaashan iyada oo loo marayo rajada nolosha . Waxaad ka arki kartaa qorshaha dakhliga hawlgab ee miisaanka hoos ku yaal qodobkan.
Ku dheji cinwaanka shay kasta oo aad ku dari doonto. Isticmaal liiska hoose si aad u ogaatid waxyaabaha ay ku dari karaan.
Diiwaanada ilaha hore ee dakhliga hawlgabka
Ku dar tiirarka ilaha kasta ee dakhli go'an sida:
- Lambarkaaga Bulshada - Ku tuso xaddiga laga bilaabo sanadka / da'da aad qorshaynayso inaad bilowdo waxtarrada oo aad sii wato rajada noloshan. Sample qaybta hoose ee bogga aad ku aragto da'da 66 jir waxaa jira nus sano oo ah Lambarka Bulshada, iyada oo qofkani uu qorsheynayo in uu bilaabo taariikhda dhalashada 66aad ee sanadka dhexdiisa.
- Saaxiibkaaga Lambarka Bulshada - Ku tuso xaddiga laga bilaabo sanadka / da'da aad isqabtaan waxay bilaabi doontaa dheefaha waxayna sii wadi doonaan noloshooda noloshooda. Haddii uu jiro da 'ama isbeddel caafimaad oo u dhexeeya labadiinaba maskaxda ku hay in geerida ugu horreysa, xaaska noolaantu sii hayso weynaanta Lambarka Bulshada ama xaaskooda. Taas macnaheedu waa haddii mid ka mid ah labada isqabta uu leeyahay rajo nololeed oo gaaban, xilliga dakhligaaga hawlgabka wuxuu kaliya ku jiri doonaa lacagta Lambarka Bulshada ee weyn ka dib mudada dheer ee lamaanaha la filayay.
- Hawlgabnimadaada - Muuji lacagta laga bilaabo sanadka / da'da aad qorsheyneyso inaad qaadato. Qeyb gaar ah ayaa loo isticmaalaa il kasta oo ah dakhliga bisilka.
- Lacagta hawlgabka / xaaskaaga - U muuji lacagta laga bilaabo sanadka / da'da aad qorsheyneyso inaad qaadato. Qeyb gaar ah ayaa loo isticmaalaa il kasta oo ah dakhliga bisilka. Haddii aad isqabtaan, hubso inaad xisaabiso doorbidii badbaadaha ee la doortay.
- Dakhliga Annuity - Qeex tan kaliya haddii aad heysato magdhow oo ku siin doona caddadka ugu yar ee laguu balan qaadayo oo laga bilaabo da 'gaar ah ama taariikhda, iyadoo bixinta socota nolosha, nolosha wadajirka, ama wakhti go'an .
- Abaalmarinta - Haddii aad qorshaynayso inaad shaqayso wakhti qayb ahaan, dakhli dakhli sanadeedka aad qorsheyneyso inaad shaqeyso. Ha iloowin, haddii aad qaadato Lambarka Bulshada kahor inta aadan da'da hawlgabka buuxin oo dakhligaaga xadidan yahay xaddiga dakhliga , Lambarkaaga Bulshada waa la dhimayaa, markaa waxaad u baahan kartaa inaad hoos u dhigto waxa ku jira tiirka Social Security ku saleysan dakhligaaga la filayo.
- Waxyaabaha kale - Soo geli ilo kale oo joogto ah ama joogto ah sida dakhliga kirada ama masruufka.
- Hal ilbiriqe oo dakhli ah - faahfaahin laga filayo lacagaha soo gala, sida caymiska nolosha, hantida ama hantida saafiga ah ee iibinta hantida.
Ha ku darin ilaha dakhliga maalgashiga sida deyn qaadashada, dulsaar, ama guulaha raasumaalka. Halkii, waxaad isticmaali doontaa qorshaha dakhligaaga hawlgabka si loo xisaabiyo inta aad u baahan tahay inaad ka noqoto koontooyinkaaga dhaqaale.
Ku dar kharashyada, oo ay ku jiraan canshuur
Kaddib, xisaabi wadarta kharashka sanadlaha ah. Ku qor shayada sida deyn ah oo laga yaabo in lagu bixiyo dhawr sano gudahood qaybta gaarka ah. Tusaale ahaan dhinaca hoose ee bogga waxaad ku aragtaa deynka waxaa la bixin doonaa badhkeed ilaa 2025, sidaas darteed sanadkaas lacagta guud ee bixinta deynta sanadku waa kala bar waxa ay ahayd sanad ka hor, kadibna kharashka ayaa baxa.
Heerka canshuurtu way kala duwanaan doonaan iyadoo ku xiran dakhligaaga guud iyo jar-jaryada. Waxaa habboon in la sameeyo qorshe canshuureed sanadkiiba si sax ahna loo qorsheeyo tan. Tusaale ahaan waxaan isticmaalayaa, qofkani wuxuu leeyahay keliya kaydka IRA. Ka bixitaan kasta oo ay tahay inay qaadaan waa inay ka yimaadaan IRA-da, waxayna noqon doonaan dakhliga cashuurta.
Waxay la shaqeeyeen qorsheeyaha canshuuraha, waxayna isticmaaleen jadwalka dakhliga ee hawlgabka, si ay u qiyaasaan inay u baahan doonaan $ 35,000 oo ah $ 35,000 IRA-da ah markay da'doodu tahay 66, taas oo ah sannadkii ugu horeeyay ee la qorsheeyay hawlgab. Ka bixitaankaas, qiyaastii $ 3,100 waxay canshuur u tagi doontaa.
Sannadka soo socda waxay yeelan doonaan dakhliga Lambarka Bulshada oo badan waxaana lagu qiyaasay inay kaliya u baahan yihiin qiyaastii $ 15,000 IRA. Qorsheeyaha canshuuruhu wuxuu ku qiyaasey in canshuurta ay noqon doonto qiyaastii $ 3,300 sanadkaas. Waxay u adeegsadeen tiradaas inta ka hartay qaddarkooda.
Xisaabi farqiga
Marka xigta, qorshahaaga dakhligaaga hawlgabka waa inuu xisaabiyaa farqiga, taas oo ah khasaari ka soo kabasho ah kaydka, ama dheellitiraad la heli karo si loogu kaydiyo kaydka.
Tusaale ahaan waxaan ku dari karnaa ilaha dakhliga (Amniga Bulshada iyo lacagta hawlgabka), ka dibna ka jar kharashyada (kharashyada nolosha, deynka, iyo canshuurta lagu qiyaasay) si aad u tagto - $ 34,693 oo lagu muujiyay safka hore ee hoosta ku yaal "Gap".
- Haddii "Gap" waa tiro taban, tani waa waxa aad u baahan tahay inaad ka baxdo kaydka iyo maalgelinta si aad u hesho habka nolosha shaqada ee aad rabto.
- Haddii "Gap" uu yahay dheellitiraad kadib markaad haysato ilo dhaqaale oo kugu filan si aad u daboosho habka nolosha shaqada ee aad rabto oo aad ku dari karto kaydka ama suurtogal ah inaad ku qaadato wax yar.
Qorshahan dakhliga ee hawlgabka ah ee fududeynaya maaha xisaabinta sicir-bararka ama soo-celinta maal-gashiga, laakiin waxay ku siinaysaa meel bilawga ah; sanad-sannadkii oo ku saabsan halka laga soo galo dakhligaaga hawlgabka.
| Da ' | Sannad | Amniga Bulshada | Hawlgab | Kharashka nolosha | Amaahda | Cashuurta | Gap |
|---|---|---|---|---|---|---|---|
| 66 | 2016 | $ 14,535 | $ 9,216 | $ 42,000 | $ 13,344 | $ 3,100 | - $ 34,693 |
| 67 | 2017 | 29,651 | 9,216 | 42,000 | 13,344 | 3,300 | -19,777 |
| 68 | 2018 | 29,651 | 9,216 | 42,000 | 13,344 | 3,300 | -19,777 |
| 69 | 2019 | 29,651 | 9,216 | 42,000 | 13,344 | 3,300 | -19,777 |
| 70 | 2020 | 29,651 | 9,216 | 42,000 | 13,344 | 3,300 | -19,777 |
| 71 | 2021 | 29,651 | 9,216 | 42,000 | 13,344 | 3,300 | -19,777 |
| 72 | 2022 | 29,651 | 9,216 | 42,000 | 13,344 | 3,300 | -19,777 |
| 73 | 2023 | 29,651 | 9,216 | 42,000 | 13,344 | 3,300 | -19,777 |
| 74 | 2024 | 29,651 | 9,216 | 42,000 | 13,344 | 3,300 | -19,777 |
| 75 | 2025 | 29,651 | 9,216 | 42,000 | 6,672 | 3,300 | -13,105 |
| 76 | 2026 | 29,651 | 9,216 | 42,000 | 0 | 3,300 | -6,433 |
| 77 | 2027 | 29,651 | 9,216 | 42,000 | 0 | 3,300 | -6,433 |
| 78 | 2028 | 29,651 | 9,216 | 42,000 | 0 | 3,300 | -6,433 |
| 79 | 2029 | 29,651 | 9,216 | 42,000 | 0 | 3,300 | -6,433 |
| 80 | 2030 | 29,651 | 9,216 | 42,000 | 0 | 3,300 | -6,433 |
| 81 | 2031 | 29,651 | 9,216 | 42,000 | 0 | 3,300 | -6,433 |
| 82 | 2032 | 29,651 | 9,216 | 42,000 | 0 | 3,300 | -6,433 |
| 83 | 2033 | 29,651 | 9,216 | 42,000 | 0 | 3,300 | -6,433 |
| 84 | 2034 | 29,651 | 9,216 | 42,000 | 0 | 3,300 | -6,433 |
| 85 | 2035 | 29,651 | 9,216 | 42,000 | 0 | 3,300 | -6,433 |
| 86 | 2036 | 29,651 | 9,216 | 42,000 | 0 | 3,300 | -6,433 |
Markaad haysato nidaamkan lacagaha la saadaaliyay waxaad isticmaali kartaa si aad u abuurto qorshe maalgashi ah oo loo habeeyay marka aad dhab ahaantii u baahan tahay inaad isticmaasho lacagtaada.