Nzira yekugadzira purogiramu yemari yekurega basa
Ita template
Tanga urongwa hwako hwekubvisa mari nemutsetse mumwe wegore rega rega, pamwe nezera rako (uye kana yakaroorwa nemurume) yakanyorwa pedyo negore rimwe nerimwe remakarani.
Wedzera ichi chirevo kuburikidza nekutarisira hupenyu . Iwe unogona kuona chirongwa chekutsvaga mari yekurasira patafura patafura pasi pechinhu ichi.
Ita zvinyorwa zvepamusoro pechinhu chimwe nechimwe waunowedzera pairi. Shandisa runyora pasi apa kuti uone kuti ndezvipi zvingawedzerwa.
Nyora pasi zvakagadzirirwa zvekurega mari
Wedzera mapuranga emudziro wega wega wemari yakagadzikana yakadai se:
- Unhu Hwako Hwezvokuchengetedzwa Kwemagariro - Ratidzai mari inotanga mugore / zera ramunoronga kutanga mazairo nekupfuurira hupenyu huri kutarisira. Muchienzaniso muzasi kwepeji unoona pazera remakore makumi matanhatu nemaviri kune hafu yegore ye Social Security, sezvo munhu uyu anoronga kutanga pamakore ekuberekwa kwavo makumi matanhatu nematanhatu ari pakati pegore.
- Wemudzimai wako Social Security - Ratidzai mari inotanga mugore / zera iwe wawakaroorana naye uchatanga kubatsira uye uenderere mberi kuburikidza nehupenyu hwavo hwekugara. Kana pane zera kana kupesana kwehutano pakati pezvinhu zviviri iwe unoramba uchifunga kuti pafa rokutanga, uyo anoramba ari mupenyu anochengetedza hukuru hwehupenyu hwavo hwehupfumi kana hwemumwe wavo. Izvi zvinoreva kana umwe wako ane tariro yehupenyu shomanana, nguva yako yekusarura mari inotora nguva ingangosanganisira iyo huru yeHindu Social Security mushure mekunge mararamiro ehupenyu hwemumwe mukadzi ainge asvika.
- Imba yako yepensheni (s) - Ratidzai mari inotangira gore / makore iwe unoronga kuitora. Irosi imwe yakasiyana inoshandiswa kune imwe neimwe inotora mari yepensheni.
- Mushandi wako (s) - Ratidzai mari inotangira mugore / makore iwe unoronga kuitora. Irosi imwe yakasiyana inoshandiswa kune imwe neimwe inotora mari yepensheni. Kana wakaroorwa, iva nechokwadi chokuti iwe unobhadhara mari yekusarudzwa kwepenheni yakasarudzwa.
- Annuity Income - Nyora izvi chete kana iwe une annuity iyo ichakubhadhara iwe mari yakasimbiswa yakawanda inotangira pane imwe nguva kana musi, uye kubhadhara kuripo kwehupenyu, hubatanidzwa hupenyu, kana nguva yakatarwa .
- Makomborero - Kana uchironga pakushanda chikamu-nguva, kugoverwa mari yegore raunoronga kushanda. Usakanganwa, kana iwe uchitora Social Security musati wanyatsogadzirisa makore uye iwe unowana mari inopfuura muganhu wekupera , yako Social Security ichaderedzwa, saka iwe unogona kuderedza izvo zviri muHurumende yeKachengeteka zvichienderana nemari yako inotarisirwa.
- Zvimwe - Kuisa chero imwezve yakasimbiswa kana yenguva dzose mitsva yemari yakadai semari yekubhadhara kana kuti arimony.
- Pane imwe nguva mhedzisiro yemari - mari inotarisirwa kugadzirisa zvikwereti, zvakadai semishuwarenzi yehupenyu, nhaka kana inowanikwa mumutengo wekutengeswa kwechimwe chivako.
Usapinza mazano emari ekuwana mari sezvikamu, zvikwereti, kana mari inowanikwa. Pane kudaro, iwe uchishandisa chirongwa chako chekubvisa mari yekuverengera kuti uverenge kuti uchadirei kubvisa kubva kumabhengi ako emari.
Wedzera mari, kusanganisira mitero
Zvadaro, fungidzira zvizere zvekugara kwemari yako gore negore. Nyorai zvinhu zvakadai sokubhadhara mari inogona kubhadharwa mumakore mashomanana mune imwe koromo. Mumuenzaniso uri pasi pepeji unoona chikwereti chichabhadharwa kusvika hafu kusvika 2025, saka gore iroro gore rega rega rebhadharo rekutenga chikwereti chikamu chaive gore raivepo, uye iyo mari inodarika.
Mitero yemitero ichasiyana zvichienderana nemari yako yose uye zvakabviswa. Zvakanakisisa kuita urongwa hwemutero gore roga roga kunyatsojekesa izvi. Mumuenzaniso wandinoshandisa, munhu uyu chete ane IRA akachengetedza. Chero kusununguka kwavanofanira kutora kunofanira kubva kune IRA yavo uye kuchava nemari inotengesa.
Vakashanda nevatori vemitero, uye vakashandisa nguva yavo yekuwana mari, vachifungidzira kuti vangada mari yakawanda ye $ 35,000 IRA kuregererwa kwezera ravo pazera remakore makumi matanhatu nemana, iro ndiro gore ravo rokutanga rakarongerwa rekurega basa. Pamusoro pekuregererwa ikoko, anenge $ 3 100 achaenda kumitero.
Gore raitevera vachave nemamwe mari ekuchengetedzwa kwehupfumi uye vanofungidzira kuti vangangodaro vanoda $ 15,000 IRA kubviswa. Vatori vemitero avo vanofungidzirwa kuti mutero wavo wekutereta waizova we $ 3 300 gore iroro. Vakashandisa nhamba iyoyo kune zvakasara zvekufungidzira kwavo.
Verengai gap
Zvadaro, chirongwa chako chekubvisa mari inofanira kuverenga chirango, icho chinokonzera kubviswa kubva pakuchengetwa, kana kuti mari yakasara inowanikwa kuiswa.
Muchiitiko chedu tinowedzera mitsva yekuwana mari (Social Security pamwe nemari yepensheni), zvino kubvisa mari (kubhadhara mari, kubhadhara mari, uye kuongororwa mutero) kusvika ku-$ 34,693 inoratidzwa mumutsara wokutanga pasi pemutsara unonzi "Gap".
- Kana iyi "Gap" inhamba nhamba isina kunaka, izvi ndizvo zvaunoda kubvisa pakuchengetedza uye kuzvipira kuti uwane mararamiro aunoda kubhadhara.
- Kana iyo "Gap" ndiyo yakasara saka iwe une zvakakwana zvakagadzirirwa zvekuwana mari kuti uwane mararamiro ako aunoda kubhadhara uye unogona kuwedzera pakuchengetedza kana kupedza zvimwe zvishoma.
Iyi chirongwa chekusarura mari yekusarura hachirevi kutengesa kwenyika kana kutengeswa kwemari, asi inokupa nzvimbo yekutanga; gore negore rondedzero yekuti mari yako yekusasiya inogona kubva kupi.
| Age | Gore | Social Security | Pension | Mari Yenyu | Mortgage | Mitero | 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 |
Kana uchinge uine urongwa uhwu hwekutsvaga iwe unogona kuushandisa kuti ugadzire hurongwa hwekutsvaga hunofananidzirwa apo iwe uchanyatsoda kushandisa mari yako.