Máy tính lương hưu
The detailed guide below is currently available in English.
How defined-benefit pensions are computed
Most traditional pensions use three inputs: your final average salary, your years of service, and a multiplier (or "accrual rate"). Thirty years at a 2% multiplier replaces 60% of that salary, for life. Claiming before the plan's normal retirement age usually trims the benefit — a common rule of thumb is about 5% per year early, which the calculator applies and shows separately so you can see the cost of retiring sooner.
Câu hỏi thường gặp
What is a final average salary?
Usually the average of your highest-paid consecutive years — commonly the last 3 to 5 before retirement. Using a longer window or career-average pay lowers the benefit for the same multiplier.
Should I take a lump sum instead?
That depends on the lump-sum offer, your lifespan expectations, and how you would invest it. Compare the monthly benefit against what the lump sum could safely pay out — the annuity payout calculator is useful for that side of the comparison.