Calculadora de Pensão
Estime os benefícios anuais e mensais da pensão.
Tabela de amortização
| # | Pagamento | Principal | Juros | Saldo |
|---|---|---|---|---|
Mostrando os primeiros 12 de meses.
Crescimento ao longo do tempo
| Ano | Investido | Valor |
|---|---|---|
Introdução
Pension Calculator — Estimate annual and monthly pension benefits. Enter Years of service, Accrual rate (%), Final salary to get an instant, accurate result.
Fórmula
Annual pension = years of service × accrual rate % × final salary — the standard defined-benefit pension formula.
Passo a passo
- Enter the Years of service.
- Enter the Accrual rate (%).
- Enter the Final salary.
- Click Calculate to see your result instantly.
Exemplo do mundo real
Example: With Years of service = 25, Accrual rate (%) = 1.5, Final salary = 80000, the Pension Calculator gives Annual Pension: 30000, Monthly Pension: 2500.
Perguntas Frequentes
What is an "accrual rate"?
The percentage of final salary earned per year of service, set by your specific pension plan (commonly around 1–2%).
Does this account for cost-of-living adjustments after retirement?
No, it projects a fixed annual benefit based on your inputs at retirement, without post-retirement COLA increases.
What inputs does the Pension Calculator need?
You'll need to provide: Years of service, Accrual rate (%), Final salary. All fields use sensible defaults, so you can see a working example immediately and then adjust the values to match your own numbers.
How accurate is the Pension Calculator?
The Pension Calculator applies the formula exactly as calculated — Annual pension = years of service × accrual rate % × final salary — the standard defined-benefit pension formula. — so results are precise for the inputs you provide. Accuracy depends on entering correct, realistic input values.
Are these results guaranteed?
No. The Pension Calculator gives an estimate based on the numbers you enter and standard financial formulas — actual rates, fees, taxes, and terms vary by lender, institution, and jurisdiction, and can change over time. This is not financial advice; consult a qualified financial professional for decisions specific to your situation.
Is the Pension Calculator free to use?
Yes, the Pension Calculator is completely free, requires no signup, and runs instantly in your browser.
Sobre a Calculadora de Pensão
The Pension Calculator uses a real, verifiable formula — Annual pension = years of service × accrual rate % × final salary — the standard defined-benefit pension formula. — so results are accurate every time, not an approximation.