Tilmaamo gacmeed si aad u maamusho lambarada ka dambeeya Lambarkaaga Bulshada.
- Mudo intee dhan ayaad shaqeyneysaa?
- Imisa ayaad sanad walba sameysaa
- Sicir bararka
- Da'dee ayaad bilaabaysaa qaadashada manfacyadaada
Tilmaamahan tallaabo tallaabada ah, waxaan ku tusi doonaa sida waxyaalahani saameyn ku yeelanayaan qadarka lacagtaada.
Sidee loo xisaabiyaa Amniga Bulshada?
Waxaa jira saddex hab oo loo adeegsado xisaabinta qadarka Macaashka Lambarka Bulshada ee aad heli doonto.
Talaabada 1aad: Isticmaal taariikhdaada dakhligaaga si aad u xisaabiso Dhaqaalahaaga Dhexe ee Dhaqaalaha Bishii Hore (AIME).
Tallaabada 2aad: Isticmaal AIME-gaaga si aad u xisaabiso Caymiskaaga Aasaasiga ah (PIA).
Tallaabada 3aad: Isticmaal PIA-gaaga oo u hagaajiso da'da aad bilaabi doonto dheefaha.
Qodobkan waxaan ku daboolayaa mid kasta oo ka mid ah tallaabooyinkan oo waxaan ku siinayaa miisas si loo muujiyo sida xisaabtu u shaqeyso. Si aad u raacdo, hel nuqul ka mid ah deymahaaga Lambarka Bulshada ee bixiya taariikhda dakhligaaga, isticmaal xogta aan ku xiranayo qayb kasta, kuna rakib lambarrada.
Talaabada 1aad: Sida Loo Xisaabiyo Lacagtaada Dhaqaale ee Dhaqangalka Bil kasta
Xisaabinta macaashka Lambarkaaga Bulshada wuxuu bilaabmaa iyadoo la eegayo mudada aad shaqaysay iyo inta aad sanad walba sameysay. Taariikhdaas dakhliga ayaa loo isticmaalaa si loo xisaabiyo Hawlgabka Dhaqaalaha ee Bilowga ah (AIME) iyo xisaabinta waxaa ku jira 35 sano ee ugu sarreysa ee taariikhda aad heshay.
Xisaabinta AIME waxay u shaqeysaa sidan (tusaale ahaan waxaa lagu muujiyey jadwalka hoose):
1. Ka bilow liiska dakhliga ku soo gala sanad walba.
Taariikhdaada dakhligaaga ayaa lagu muujiyay qoraalkaaga Sooshal Sakuuritiga, oo aad hadda internetka ka heli karto.
Tusaalaha ka hooseeya dakhliga dhabta ah waxaa lagu muujiyay Koonsilka C. Dakhliga kaliya ee ka hooseeya xadka sanadlaha ah ee la cayimay ayaa lagu daray. Xaddidan sanadlaha ah ee mushaharka waxaa lagu magacaabaa "Base Contribution and Benefit Base" oo waxaa lagu muujiyey inuu yahay Max kasbashada Xisaabta H ee jadwalka hoose.
2. Isku hagaajin sanad walba dakhliga sicir bararka.
Lambarka Bulshada wuxuu adeegsanayaa habka lagu magacaabo mushaharka mushaharka si loo go'aamiyo sida loo xalliyo taariikhda dakhligaaga ee sicirbararka. Waxaa jira laba talaabo oo waaweyn oo ku saabsan hanaanka mushaharka.
- Sannad kasta Lambarka Bulshada wuxuu soo saaraa mushaharka celceliska qaran ee sanadka. Waxaad ka arki kartaa liistadaan soo daabacay bogga Index Average Index Wage.
- Mushaharkaaga waxaa lagu xisaabinayaa celceliska mushaharka sanadka aad 60 jirsato. Sannad kasta, waxaad qaadataa mushqaayada celceliska sanadkaaga (taas oo ah sannadka aad 60 jirsatay) oo u kala qaybsan mushaharka celceliska sanadka aad ku jirtid, iyo ku dhufo dakhligaaga lagu soo daray ee lambarkan.
Tusaale:
- Tusaalahan hoos ku xusan waxay eegaysaa dakhliga sanadkii 1984 ee $ 21,000 ee ku taxnaa Qodobka C.
- Isku celceliska dakhliga sanadkaas wuxuu ahaa $ 16,135 oo ah taxane D.
- Waxaad qaadataa $ 44888.16, celceliska dakhliga sannadka uu qofkani u noqdo 60 (2013 oo lagu muujiyay heeso yaryar) oo u qaybsan $ 16,135, si aad u hesho Isbeddelka Index aad ku aragto Column E.
- Dakhliga ugu badan ee dakhliga ee sannadkii 1984 ee ku saleeya qodobkan muujinaya inuu helo $ 58,423 oo aad ku aragto Column F.
Fiiri laba tusaalooyin dheeraad ah oo mushaharka laga soo qaado Lambarka Bulshada.
Sababtoo ah sida ay u shaqeyneyso caanaha mushaharka mushaharka, haddii aadan weli 62, xisaabintaada ayaa go'aamisa inta ay le'eg tahay Badbaadada Bulshada ee aad heli doonto waa qiyaasta keliya. Ilaa intaad ogaato mushaharka celceliska sanadka aad 60 jirsato, ma jirto hab lagu xisaabiyo xisaabinta saxda ah. Si kastaba ha ahaatee waxaad awood u yeelan kartaa sicir bararka sicir bararka ee mushaharka celceliska si loo qiyaaso celceliska mushaharka horey u socdo oo u adeegso kuwa lagu abuurayo qiyaas.
3. Isticmaal dakhligaaga ugu sareeya ee 35 sano ah oo aad xisaabiso celceliska bishii.
Xisaabinta macaashka Lambarka Bulshada wuxuu isticmaalaa 35ka sano ee ugu sarreeya ee dakhliga si loo xisaabiyo celceliska dakhligaaga bishii. Haddii aadan lahayn 35 sano oo dakhli ah, eber ayaa loo isticmaali doonaa xisaabinta, taas oo hoos u dhigi doonta celceliska. Tusaalaha kor ku xusan waxaad arkaysaa 35-kii sano ee ugu dambeeyey ee Column G.
Wadar ahaan 35 sano ee ugu sarreeya ee dakhliga soo gala iyo isu-geynta wadarta 420 (taasoo ah tirada bilaha 35 sano ee shaqada ah). Waxaad aragtaa tan lagu muujiyey jaalaha ee tusaalaha kor ku xusan.
Natiijada: Dakhliga Ugu Horeeya ee Dhaxalka Bil kasta ama AIME.
| A | B | C | D | E | F | G | H |
|---|---|---|---|---|---|---|---|
| Sannad | Da ' | Mushaharka dhabta ah | Mushaarada Celceliska | Cilaaqaadka Index | Mushaharka Habboon ee Ka Dib Kadib | 35 sano ugu sareeya | Dakhliga ugu Muhiimsan |
| Laga soo bilaabo Tax SS Stmt. | Laga soo bilaabo website-ka SSA | Da'da 60 Avg. Mushaharka / Saacadaha Sannadlaha ah Mushaharka | Mushaharka dhabta ah ee Sannadlaha ah ee Isbedelka Sicirka Sannadka | Haddii in ka badan 35 sano oo faa'iido leh, qaado ugu sarraysa 35 Mushaarooyinka Laga Jaray. Ma aha 35 sano, galaan 0 sannadka maqan | Laga soo bilaabo website-ka SSA | ||
| 1971 | 18 | 1000 | 6497.08 | 6.909 | 6909 | N / A | 7800 |
| 1972 | 19 | 2000 | 7133.8 | 6.292 | 12586 | N / A | 9000 |
| 1973 | 20 | 3000 | 7580.16 | 5.922 | 17766 | N / A | 10800 |
| 1974 | 21 | 4000 | 8030.76 | 5.590 | 22360 | N / A | 13200 |
| 1975 | 22 | 5000 | 8630.92 | 5.201 | 26010 | N / A | 14100 |
| 1976 | 23 | 6000 | 9226.48 | 4.865 | 29196 | N / A | 15300 |
| 1977 | 24 | 7000 | 9779.44 | 4.590 | 32137 | N / A | 16500 |
| 1978 | 25 | 8000 | 10556.03 | 4.252 | 34024 | N / A | 17700 |
| 1979 | 26 | 9000 | 11479.46 | 3.910 | 35199 | N / A | 22900 |
| 1980 | 27 | 10000 | 12513.46 | 3.587 | 35872 | 35872 | 25900 |
| 1981 | 28 | 11000 | 13773.10 | 3.259 | 35850 | 35850 | 29700 |
| 1982 | 29 | 18000 | 14531.34 | 3.089 | 55603 | 55603 | 32400 |
| 1983 | 30 | 20000 | 15239.24 | 2.946 | 58911 | 58911 | 35700 |
| 1984 | 31 | 21000 | 16135.07 | 2.782 | 58423 | 58423 | 37800 |
| 1985 | 32 | 22000 | 16822.51 | 2.668 | 58703 | 58703 | 39600 |
| 1986 | 33 | 23000 | 17321.82 | 2.591 | 59603 | 59603 | 42000 |
| 1987 | 34 | 24000 | 18426.51 | 2.436 | 58466 | 58466 | 43800 |
| 1988 | 35 | 25000 | 19334.04 | 2.322 | 58043 | 58043 | 45000 |
| 1989 | 36 | 25000 | 20099.55 | 2.233 | 55832 | 55832 | 48000 |
| 1990 | 37 | 25000 | 21027.98 | 2.135 | 53367 | 53367 | 51300 |
| 1991 | 38 | 27000 | 21811.60 | 2.058 | 55666 | 55666 | 53400 |
| 1992 | 39 | 29000 | 22935.42 | 1.957 | 56757 | 56757 | 55500 |
| 1993 | 40 | 30000 | 23132.67 | 1.940 | 58214 | 58214 | 57600 |
| 1994 | 41 | 36000 | 23753.53 | 1.890 | 68031 | 68031 | 60600 |
| 1995 | 42 | 37000 | 24705.66 | 1.817 | 67226 | 67226 | 61200 |
| 1996 | 43 | 38000 | 25913.90 | 1.732 | 65824 | 65824 | 62700 |
| 1997 | 44 | 39000 | 27426.00 | 1.637 | 63831 | 63831 | 65400 |
| 1998 | 45 | 40000 | 28861.44 | 1.555 | 62212 | 62212 | 68400 |
| 1999 | 46 | 41000 | 30469.84 | 1.473 | 60401 | 60401 | 72600 |
| 2000 | 47 | 42000 | 32154.82 | 1.396 | 58632 | 58632 | 76200 |
| 2001 | 48 | 40000 | 32921.92 | 1.363 | 54539 | 54539 | 80400 |
| 2002 | 49 | 40000 | 33252.09 | 1.350 | 53997 | 53997 | 84900 |
| 2003 | 50 | 40000 | 34064.95 | 1.318 | 52709 | 52709 | 87000 |
| 2004 | 51 | 43000 | 35648.55 | 1.259 | 54145 | 54145 | 87900 |
| 2005 | 52 | 45000 | 36952.94 | 1.215 | 54663 | 54663 | 90000 |
| 2006 | 53 | 46000 | 38651.41 | 1.161 | 53423 | 53423 | 94200 |
| 2007 | 54 | 48000 | 40405.48 | 1.111 | 53325 | 53325 | 97500 |
| 2008 | 55 | 50000 | 41334.97 | 1.086 | 54298 | 54298 | 102000 |
| 2009 | 56 | 44000 | 40711.61 | 1.103 | 48514 | 48514 | 106800 |
| 2010 | 57 | 44000 | 41673.83 | 1.077 | 47394 | 47394 | 106800 |
| 2011 | 58 | 46000 | 42971.61 | 1.045 | 48052 | 48052 | 106800 |
| 2012 | 59 | 48000 | 44321.67 | 1.013 | 48614 | 48614 | 110100 |
| 2013 | 60 | 45000 | 44888.16 | 1 | 45000 | 45000 | 113700 |
| 2014 | 61 | 45000 | 44888.16 | 1 | 45000 | 45000 | 117000 |
| 2015 | 62 | - | 44888.16 | 1 | 118500 | ||
| * Da'da 60 waa sannadka soo socda | Qaybi Sum of Column G ugu sareeya 35 qiimaha 420 bilood si loo go'aamiyo AIME | 1,919,040 | |||||
| AIME = | $ 4,569 / bishii |
Talaabada 2aad - U Isticmaal MASUULKAAGA si aad u xisaabiso Caymiskaaga Aasaasiga ah (PIA)
Marka aad xisaabiso Dhibcaha Dhaqaalaha ee Bishii Hore (AIME), waxaad ku rideysaa lambarka si aad u go'aamiso Caymiskaaga Hore, ama PIA. Qaacidadani waxay ku salaysan tahay wax la yiraahdo "dhibcaha lafdhabarta."
Dhibcaha Badbaadada Bulshada
Foomka macaashka Lambarka Bulshada waxaa loogu talagalay in lagu beddelo saamiga sare ee dakhliga ee loogu talagalay dadka dakhligoodu hooseeyo marka loo eego kuwa dakhliga sare leh.
Si tan loo sameeyo, qaaciddu waxay leedahay waxa loo yaqaan "dhibcaha lafdhabarka ah". Dhibcahan dhibcaha ah waxaa lagu hagaajiyaa sicirbararka sannad kasta.
Dhibcaha dhibcaha laga bilaabo sanadka aad gaarto 62 ayaa loo isticmaalaa in lagu xisaabiyo Lacagta Hawlgabka Bulshada ee Lambarka Bulshada. Tusaalaha hoose ee miiska wuxuu hoosta ku adeegsan doonaa 2015 khadadka. Waxay u shaqeysaa sidan:
- Waxaad qaadataa 90% $ 826 ugu horeeya ee AIME.
- Waxaad qaadataa 32% oo ah $ 4,980 oo ku xigta AIME.
- Waxaad qaadataa 15% qiimaha wax ka badan $ 4,980.
- Waxaad isku geyneysaa sadexda lambarada.
Natiijadu waa Caymiskaaga Aasaasiga ah, ama PIA, qaddarka aad heli doonto haddii aad bilowdo waxtarradaada Da'da Hawlgabka ee buuxda (FRA).
PIA-gaaga waxaa lagu soo koobay miisaanka hoose ee xiga, iyo lacagtaada waxtarrada waxaa lagu soo koobay doolarka ugu hooseeya. (Farsamo ahaan PIA-gaaga ayaa loo xisaabiyaa, lagu dhejiyaa xajmiga ugu hooseeya, ka dibna wax-isbedelka sicir-bararka waxaa la adeegsadaa lambarkaa kadibna waxaa loo soo koobayaa xajmiga hoose ee xiga, ka dibna kor u kaca ama hoos u dhac ku salaysan da'da ayaa la adeegsadaa.
Lambarkan ayaa markaa loo rogaa dollarka ugu hooseeya. Qaar ka mid ah tan waxa lagu daboolayaa tallaabada xigta.)
Waxaad arki kartaa dhibcooyinka hadda taagan iyo taariikhda iyo dhibcaha dhibcaha ee sannadka ee bogga "Points of Form Bend Points" ee bogga Badbaadada Bulshada.
Haddii aadan weli gaarin 62, xisaabintaada waxtarkaaga waa qiyaas qiyaas ah, maadaama aadan weli ogeyn waxa dhibcaha ugu dambeeya ee sannadka aad noqoneyso 62.
Waxaad isticmaali kartaa qiyaasta sicir bararka si loo qiyaaso qodobada mustaqbalka sanadka mustaqbalka si loo horumariyo qummanaan sax ah.
Tusaale ahaan jadwalka hoose ee boggan waxaad ku arki kartaa sida lambarka AIME (oo lagu xisaabiyey tallaabada hore) lagu xakameyn jiray qaaciddada dhibcaha ee loo adeegsado si loo xisaabiyo PIA.
| Tusaale isticmaalka AIME $ 4569 / bishii | Mushaarka Mushaharka Canshuurta | Dhibbanaha | La xaliyay |
|---|---|---|---|
| Qalabka 1 (ilaa $ 826) | 826 | .90 | 743.40 |
| Bend 2 ($ 4569 - $ 826) | 3743 | .32 | 1197.76 |
| Xad-dhaaf | N / A | .15 | 0 |
| Sum | 1941.20 | ||
| PIA Kadib Kulamadii (hoos udhaca dime iyo dollar) | $ 1,941 | ||
| Faa'iido leh da'da hawlgabka buuxa (FRA) | $ 1,941 |
Miyuu PIA-daada beddeli karaa kadib markaad gaarto 62?
Waxaa jira laba arrimood oo saameyn doona PIA-gaaga markaad gaaro da'da 62:
- Dakhliga Hawlaha Dheeraadka ah - Dakhliga sanadaha u dhexeeya da'da 62 iyo 70 ee ka sarreeya mid ka mid ah 35 sano ee ugu sarreysa ee sannadkii hore ee loo isticmaalo qaaciddada ayaa beddeli doona AIME-daada oo loo isticmaalo qaabka PIA.
- Sicir-bararka - PIA-gaaga ayaa lagu hagaajin doonaa isla Kharashka Nolol-nololeedka ee lagu daboolay dadka horay u qaata macaashka Lambarka Bulshada. Waxaad ku arki kartaa qiimaha taariikhda Qiimaynta Nolosha Nolosha bogga shabakadda Badbaadada Bulshada.
*** Fiiro gaar ah: Tani ma aha isbeddel isku mid ah oo loo isticmaalo in lagu muujiyo mushaarka sicir bararka.
Erey bixin taxadar leh: Sababta ugu weyn ee dadku u heli karaan jawaab qalad ah marka ay xisaabiyaan xisaabtooda marka ay bilaabaan inay qaataan Lambarka Bulshada sababtoo ah waxay tiradooda tirtiraan caddaynta ayna si haboon u isticmaalaan isbeddelada sicir bararka.
Tallaabada 3aad - Isu hagaajin PIA-daaga da'da waxaad billaabi doontaa faa'iidooyinka
Qadarka ugu dambeeya ee Macaashka Lacageed ee Lambarka Bulshada ee aad heshaa waxay ku saleysan tahay da'da aad bilaabeyso dheefaha.
- Ugu horreyn waxaad bilaabi kartaa manfacyada hawlgabku waa da'da 62 (da'da 60 jir haddii aad xaq u leedahay dheefbaadin ama nacaybka sariirta ee ah dhakhtarka geeriyooday ama diiwaanka hore ee lamaanaha).
- Waxaad sii kordhineysaa adigoo sugaya ilaa da'da dambe si aad u bilowdo dheefaha.
Dabcan, qaacido kale oo adag ayaa loo isticmaalaa si loo ogaado intee le'eg. Faahfaahin ayaa hoos ku qoran, miisana waxay ku tuseysaa tusaale ahaan sida ay u shaqeyso.
Isbedelka Da'da Badbaadada Bulshada Ka bilow Wareegtadaada
Caanobooruhu wuxuu ku billaabmayaa adiga oo isticmaalaya Caymiska Caymiska Aasaasiga ah (PIA) ee lagu xisaabiyay talaabada hore. Tani waa xaddiga aad heli doonto haddii aad bilowdo waxtarradaagu waa Da'da Hawlgabka ee buuxda (FRA) . FRA-gaaga wuu kala duwanaan karaa iyadoo ku xiran sanadka aad dhalatay. Dadka u dhasha inta u dhaxaysa 1943 ilaa 1954, FRA-gaagu waa 66 jir.
** Ogow haddii aad ku dhalatay Jan. 1, FRA-gaaga wuxuu ku saleysnaan doonaa sanadka ka hor. Qofka dhashay Jan. 1. 1955 wuxuu yeelan doonaa FRA oo ku saleysan 1954.
- Hoos-u-dhac ayaa lagu dabaqayaa PIA-daada haddii aad bilowdo dheefaha ka hor FRA-gaaga.
- Deyn, oo loo yaqaan deynta hawlgabka oo dib loo dhigay, ayaa la codsadaa haddii aad bilowdo dheefaha ka dib FRA-gaaga.
Caanaha lagu yareeyo haddii aad bilowdo dheefaha ka hor FRA-gaaga
- 5/9 ee 1%: Macaashkaaga waxaa la yareeyay 5/9 ee 1% bishiiba, ugu badnaan 36 bilood, iyadoo ku xiran inta bilood ee aad haysato ilaa aad ka gaarto FRA.
- 5/12 ee 1%: Haddii aad ka badan tahay 36 bilood markaad gaarto FRA, hoos u dhigista kore waxaa la adeegsadaa, ka dibna tirada bilaha ah ee ka weyn 36 formula ayaa loo badalayaa in la yareeyo 5/12 ee 1%.
Natiijo:
- Ka-dhimista 25%: Haddii FRA-daadaadu tahay da'da 66, tan micnaheedu waa in faa'idooyinkaaga la yareeyn doono 25% haddii aad bilowdo inaad qaadato da'da 62.
Lacagta laga qaato lacagta gunnada ka dib marka loo eego FRA
- 2/3 ee 1% bishiiba, ama 8% sannadkii: Haddii aad dhalatay 1943 ama ka dib, gargaarkaaga wuxuu kordhi doonaa 2/3 of 1% bishiiba (8% sanadkiiba) bil kasta oo aad soo dhaaftay FRA-gaaga marka aad bilowdo dheefaha. Macaashka dulmanaha ee naagaha ama gabadha ayaa sidoo kale ka qayb qaadanaya dhibcooyinka dib u dhac ku yimid.
Natiijo:
- Kordhinta 32%: Haddii FRA-daadaadu tahay 66, tan macnaheedu waa manfacyadaada waxaa la kordhin doonaa 32% iyadoo la sugayo illaa 70-sano jir.
Sida Saameyntu Saameyn ugu yeelato Wakaaladaada
PIA-gaaga ayaa lagu xisaabiyaa da'daada 62. Haddii aad sugto ilaa da'da 62 sano, sannad kasta oo ka weyn da'da 62 kharashka dheeraadka ah ee wax-ka-beddelka nolosha ayaa lagu dabaqi doonaa PIA-gaaga. Awoodda kor u kaca oo ku salaysan sicir bararka 2% ayaa lagu muujiyay tusaalaha hoose ee dhinaca midig ee "PIA ee mustaqbalka $ 2 '%. Tirada dheefta yaraanta ama kordhinta ee da'aha kala duwan ayaa lagu muujiyay qaybta bidix ee "PIA ee Dollarka Dollar".
Haddii aad hore u lahayd 35 sano oo dakhligaaga ah, oo aad ku dhowdahay 62 maanta, qadarka lacagta 70 ee aad ku aragto qoraalkaaga Lambarka Bulshada waxay u badan tahay inay sare u kacdo sababtoo ah kharashka nolosha ee isbedellada. Qaar badani ma xisaabiyaan arrintan marka ay samaynayaan xisaabintooda iyo tani waxay ka dhigaysaa inay ka fikiraan qaadashada Lambarka Bulshada goor hore waa heshiis fiican, marka kiisaska badankood (laakiin aan dhammaaneyn), sugitaanku waa heshiis fiican.
| PIA ee maanta Dollar | PIA mustaqbalka $ 's @ 2% | |||||
| Saameyn | Qiimaha Bishiiba | Sannad | Da ' | # Sannado laga bilaabo hadda | Tirada | |
|---|---|---|---|---|---|---|
| N / A | N / A | 2013 | 60 | -2 | N / A | |
| N / A | N / A | 2014 | 61 | -1 | N / A | |
| In yar | $ 1455.99 | 2015 | 62 | 0 | $ 1456 | |
| In yar | $ 1553.06 | 2016 | 63 | +1 | $ 1584 | |
| In yar | $ 1682.48 | 2017 | 64 | +2 | $ 1750 | |
| In yar | $ 1811.90 | 2018 | 65 | +3 | $ 1923 | |
| PIA | $ 1941.32 | 2019 | 66 | +4 | $ 2101 | |
| More | $ 2096.63 | 2020 | 67 | +5 | $ 2315 | |
| More | $ 2264.36 | 2021 | 68 | +6 | $ 2550 | |
| More | $ 2445.50 | 2022 | 69 | +7 | $ 2809 |