从每月的一笔投入开始，看看时间、通胀与养老金如何改变退休目标。Explore how time, inflation and pension income change the amount you need to save.
以下是独立实验，每次只调整标注的变量。Each experiment changes only the stated assumption.
载入 Lucía。记录每月投入 500 的方案，再试 750、1,000；恢复 500，将退休年龄改为 70。哪种改变更可行？说明代价。Load Lucía. Save the $500/month baseline, then try $750 and $1,000. Restore $500 and retire at 70. Compare the trade-offs.
载入 Daniel。先预测推迟 5 年投入会损失多少，再查看实验结果。缺失的不只是本金，还有哪些收益？Load Daniel. Predict the cost of delaying contributions for five years. What is lost besides the deposits themselves?
切到中国场景，先记录养老金为 0 的结果；再填入一个课堂假设金额。将领取年龄延后，或取消随通胀增长，观察资金缺口。Switch to China and save a zero-pension baseline. Add an assumed pension, then delay its start or turn off inflation indexation.
每月投入是第一年的月均金额；全年投入汇总到年末。工资和投入按设置的增长率逐年增长。现有余额先获得当年回报，再加当年投入。The monthly contribution is the first-year monthly amount. Annual deposits occur at year-end and grow with salary each year. The opening balance earns a return before deposits are added.
这不是按月复利模型。美国原活动案例默认：退休前 6%、退休后 5%、通胀 3%、工资与投入增长 2%；养老金和雇主配比均为 0。This is not monthly compounding. US activity profiles use 6% before retirement, 5% after, 3% inflation and 2% salary/deposit growth; pension and employer match start at zero.
月预算和养老金均以今天的购买力输入。预算随通胀上涨；退休目标是每年“支出 − 养老金”的正缺口折现值之和。养老金超过支出的部分不再投资。Budget and pension inputs are in today's money. Spending rises with inflation. The target is the present value of each positive spending-minus-pension gap; pension surpluses are not reinvested.
退休后也是先计算回报，再于年末支取。覆盖至 95 岁包含 95 岁这一整年；67 岁退休对应 29 次年度支取，最后的年末余额标在 96 岁。Retirement withdrawals occur at year-end after growth. Funding through age 95 includes that entire year: retirement at 67 means 29 withdrawals, with the last ending balance shown at age 96.
切换显示口径会同时调整目标、预计余额和曲线。所需“初始每月投入”仍是第一年实际要投入的金额。逐年 CSV 始终保留名义金额。The display switch adjusts both the target and projected balances. Required initial monthly contributions remain first-year amounts. CSV exports always retain nominal money.
养老金在设定的领取年龄才开始抵扣退休支出。首次领取金额由今天购买力换算；此后可选择随通胀调整，或保持名义金额不变。这里只计退休后的领取。Pensions offset spending only during retirement and from the selected claim age. The first payment is inflated from today's money; later payments can track inflation or remain nominally fixed.
雇主配比 = 配比比例 × min(个人年投入，年工资 × 配比上限)。中国企业年金选项使用相同的课堂模拟规则，不代表任何单位的实际制度。Employer match = match rate × min(employee annual deposits, salary × match cap). The China annuity option uses this classroom rule, not a statutory or employer-specific formula.
这些是可修改的教学假设，不是收益预测或养老金待遇核定。模型未计税费、市场波动、账户缴费限额与突发支出；充足率表示预计资金相对于目标的比例，不是成功概率。当前方案只保留在本页，刷新即重置。This educational model uses editable assumptions, not return forecasts or pension eligibility calculations. It excludes taxes, fees, market volatility, account limits and unexpected expenses. Funding coverage is a ratio, not a probability of success. Plans reset when the page is refreshed.
NGPF Retirement Calculator · SSA: Retirement age · SSA: Work and benefit ages · 中国渐进式延迟退休规定