02
Distinguish retirement benefits from public pension
An employer retirement benefit or private account is a separate resource from National Pension. Establish whether it will fund recurring payments or remain available capital. Count the resource once, and check its access and tax conditions with the provider.
03
Model a work-to-pension gap
Stopping full-time work can happen before pension payments start. Enter spending during that gap and compare the savings balance after each year. The model does not calculate contribution credits, early or deferred pension adjustments, employment-income tests or health insurance.