主题：【原创】一个计算退休金(401k)的脚本程序。欢迎测试 -- poorfat
我一直想知道每月应该存多少钱进401k将来才够用，于是就写了这么一个jscript程序。网上类似功能的401k计算器很多，但是都太复杂，我这个笨人一看就晕了。自己写了个简单的，但又怕遗漏了什么，所以贴上来共各位高手批评指正。谢先。
使用说明：
1。输入参数：
numYearsTillRetire = 30； // 过多少年以后退休
numYearsToLiveAfterRetire =20； // 退休后在打算活几年（想想都觉得心寒哪）
moneyAddedTo401KYearly =7000; // 平均每年存多少钱到401k账号里
appreciationRate_compound = 0.1; // 401k 账号的年增值复利
inflationRate_compound = 0.03; // 退休后的生活费通胀复利
currentAverageYealyLivingExpense = 30000; // 当前每年生活费开销
2。运行方法
把程序贴到记事本（notepad.exe)里，先保存好（如 my401k.js)，再将此程序打开。
上述参数都已经列在了程序的头部。更改并填入您自己认为合适的数值
打开cmd.exe窗口，运行“cscript my401k.js”。
显示结果与下列类似：
Microsoft (R) Windows Script Host Version 5.6
Copyright (C) Microsoft Corporation 1996-2001. All rights reserved.
Total 401k savings till retirement =[1266604]
first retire year living cost= [72818]
Total Retirement living cost= [2088161]
在这个例子里，退休金缺口是约八万多美元。还得继续努力挣钱啊。
3。程序如下：
var numYearsTillRetire = 30;
var numYearsToLiveAfterRetire =20;
var moneyAddedTo401KYearly =7000;
var appreciationRate_compound = 0.1; // applied to 401k account
var inflationRate_compound = 0.03; // applied to living expense increase after retirement
var currentAverageYealyLivingExpense = 30000;
main();
function main()
{
var save =Total401kSavingsTillRetirement(moneyAddedTo401KYearly, numYearsTillRetire, appreciationRate_compound);
WScript.Echo("Total 401k savings till retirement =["+ Math.round(save) +"]");
var rc=TotalRetirementLivingExpenses(currentAverageYealyLivingExpense, numYearsTillRetire, numYearsToLiveAfterRetire, inflationRate_compound);
WScript.Echo("Total Retirement living cost= ["+ Math.round(rc) +"]");
}
// end of main()
function Total401kSavingsTillRetirement
(
annualAddition,
yearsBeforeRetire,
appreciationRate
)
/* this calculates the total 401k savings upto retirement
the formula is:
anual addition to 401k account * summation (1+appreciation rate) ^ years,
where years = 1 to yearsBeforeRetire
*/
{
var p = PoweredSummation((1 + appreciationRate), yearsBeforeRetire);
return annualAddition * (p);
}
// end of Total401kSavingsTillRetirement()
function TotalRetirementLivingExpenses
(
currentYearlyExpense,
yearsBeforeRetire,
yearsAfterRetire,
inflationRate
)
/* this calculates the total living expenses after retirement
the formula is:
first retire year expense * summation (1+inflationRate) ^ years,
where years = 0 to yearsAfterRetire
*/
{
// compute the anticipated first retire year expense
var firstRetireYearExpense = currentYearlyExpense;
for (i = 1; i<=yearsBeforeRetire; i++)
{
firstRetireYearExpense = firstRetireYearExpense * (1+inflationRate);
}
WScript.Echo("first retire year living cost= ["+Math.round(firstRetireYearExpense) +"]");
var ps =(1+PoweredSummation((1+inflationRate), yearsAfterRetire));
return firstRetireYearExpense * ps;
}
// end of TotalRetirementLivingExpenses()
function PoweredSummation(base, power)
/*
this computes the summation of base^i, where i is from
1 to power, ie, base+base^2+base^3+...+base^power
*/
{
if (power<=0) {return 1;}
var sum =0;
for (i=1;i<=power;i++)
{
sum = sum + PowerbyInt(base, i);
}
return sum;
}
// end of PoweredSummation()
function PowerbyInt(base, power)
// returns the base to the power of "power"
// power must be >=0
{
if (power <=0) {return 1;}
var ret =1;
for (j=1;j<=power; j++)
{
ret = ret * base;
}
return ret;
}
// end of PowerbyInt();
着去华尔街混事儿去。
哈哈，你怎么没有把公司的match算进去？
钱不是不够吗，把numYearsToLiveAfterRetire降下来几年不就得了。
公司配的金额都已经算在 moneyAddedTo401KYearly 里了。
俺一穷人瞎混而已，华尔街是指望不上了。