Calculate what you will have left in pay if your retirement from work is close.
Retirement is a stage that comes to every person who has worked and who has had a career. Although there are many people who would like to continue, the truth is that you cannot be working all your life, firstly because of your age and secondly because you have to make way for the new generations. It is a very important moment and one that must be prepared in advance, because the income that you will have from then on is the sustenance to live and for your hobbies. Well, that and your life savings. So that the bull does not catch you, we are going to show you the best simulators to calculate your pension.
Generally, most simulators come from banks or insurance companies, since they are the most frequent institutions to which users go to deal with everything related to retirement or pensions. Therefore, at least in terms of security, they have all the reliability in the world to enter personal data, something that is not guaranteed on external pages of dubious origin. One way to calculate this benefit without having to go to an office or a manager does it for youwith the extra cost that this entails.
What variables affect the calculation of the retirement pension?
Several factors must be taken into account when setting the amount of the benefit for each user. And it is that it not only depends on working life, but the market also intervenes:
- The estimation of the public retirement pension is not a simple calculation. Among the factors that influence its calculation are:
- The number of years contributing to Social Security during working life
- The evolution of wages and contribution bases
- The age of access to retirement
- The future evolution of life expectancy
The best retirement simulators to calculate your pension
- Social Security Retirement Simulator
- Pension simulator Saint Lucia
- Mapfre pension calculator
- Simulator to calculate your Generali pension
- Bankinter retirement calculator
- BBVA public pension calculator
- OCU pension simulator
All these websites, coming from highly reputable institutions and companies, have their own calculators, but they rely on the social security database to look up your data and show you an approximation that is as accurate as possible.
Social Security Retirement Simulator
What better than to start with the tool offered by Social Security to calculate the retirement benefit. Allows to know the possible retirement dates, both anticipated and ordinary or delayed, and their respective amounts, as well as obtain complete details of the calculation of the pension. The calculation is made based on the data that Social Security has on the citizen and projecting the current situation of that citizen until the date on which he could request his ordinary retirement.
Includes enhancements such as maximum limit of the amount and a sustainability factor that links the amount to the evolution of life expectancy. The prerequisite is that you have to identify yourself to access this tool, either through the PIN Code, Permanent Code, DNI or via SMS.
Santalucía pension simulator
This company has its own tool to calculate the pension, with an extremely easy-to-use interface. With this simulator, it is easy to know how to simulate the Social Security retirement pension that you will have left and how much you should save to complement it and achieve the standard of living you desire.
Therefore, it has that double function of estimating the benefit that you are going to have left and what you must do now so that that amount becomes a reality. This additional amount is what will help you to continue maintaining your standard of living and meet leisure and health expenses. A very effective method for not suffer from economic dependency at this stage of retirement.
Mapfre pension calculator
Mapfre has developed its own calculator, although it also recommends the use of the tool available to Social Security. It has a very simple interface, where it asks for the most basic data and everything is based on filling gaps. Among them, he claims age, annual income, years of work quoted, self-employment status, etc.
Simulator to calculate your Generali pension
Another insurance company that allows you to easily calculate pensions. With this tool, in just a minuteyou will be able to carry out a simulation of your specific case and find out what will happen with your retirement or if certain misfortunes occur, such as disability or death. You only need to enter your age, marital status, number of children under 25, years of contributions and employment status.
Bankinter retirement calculator
Turning to the financial sector, banks also have options to calculate the pension benefit for any user. The Spanish entity makes available, more than a calculator, a suite of tools with different possibilities. Apart from the simulator, with which you can instantly obtain a simulation of your social security pension with a few data, it also has a pension plan search engine, retirement savings simulator and a rescuer of pension plans.
BBVA public pension calculator
Continuing with banks, we go with BBVA, one of the most important entities in Spain. Maybe it’s one of the simplest tools we have found, because to know the public pension that you are going to receive, you only need three pieces of information: age, gross annual salary and years of contributions. With this information, the tool is now capable of calculating the pension without the need to be a bank customer.
OCU pension simulator
We moved to a totally different institution, because OCU is the Organization of consumers and users, a non-profit and independent institution that watches over the rights of consumers. Within its website, it has a section dedicated to investments, where the pension calculator is found. Like BBVA, you only need the same three data to estimate the amount to be charged.
These are the best options to calculate your pension when it comes time to retire. Obviously, there are many more on the Internet, but we believe that with these you have enough to make an estimate of what you are going to charge.
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