退職後のキャッシュフロー表 例1 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
夫は60歳、妻55歳 |
|
|
2009年における生活費を毎月24万円と仮定 以後年間インフレを見て1%の増加を見込む |
|
|
年金は夫婦それぞれ国民年金(老齢基礎年金)のみとする |
|
|
2009年スタート時における預金残高を2,000万円とする |
|
|
金額の単位は万円 |
|
|
項目/年 |
上昇率 |
2009 |
2010 |
2011 |
2012 |
2013 |
2014 |
2015 |
2016 |
2017 |
2018 |
2019 |
2020 |
2021 |
2022 |
2023 |
2024 |
2025 |
2026 |
2027 |
2028 |
2029 |
2030 |
2031 |
2032 |
2033 |
2034 |
2035 |
2036 |
2037 |
2038 |
2039 |
2040 |
夫(歳) |
|
60 |
61 |
62 |
63 |
64 |
65 |
66 |
67 |
68 |
69 |
70 |
71 |
72 |
73 |
74 |
75 |
76 |
77 |
78 |
79 |
80 |
|
|
|
|
|
|
|
|
|
|
|
妻(歳) |
|
55 |
56 |
57 |
58 |
59 |
60 |
61 |
62 |
63 |
64 |
65 |
66 |
67 |
68 |
69 |
70 |
71 |
72 |
73 |
74 |
75 |
76 |
77 |
78 |
79 |
80 |
81 |
82 |
83 |
84 |
85 |
86 |
収入 |
郵便年金 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
国民年金(夫) |
|
|
|
|
|
|
72 |
72 |
72 |
72 |
72 |
72 |
72 |
72 |
72 |
72 |
72 |
72 |
72 |
72 |
72 |
72 |
|
|
|
|
|
|
|
|
|
|
|
国民年金(妻) |
|
|
|
|
|
|
|
|
|
|
|
72 |
72 |
72 |
72 |
72 |
72 |
72 |
72 |
72 |
72 |
72 |
72 |
72 |
72 |
72 |
72 |
72 |
72 |
72 |
72 |
72 |
72 |
年金基金(夫) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
年金基金(妻) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
その他収入 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
1,000 |
|
|
|
|
|
|
|
|
|
|
|
収入合計 |
|
0 |
0 |
0 |
0 |
0 |
72 |
72 |
72 |
72 |
72 |
144 |
144 |
144 |
144 |
144 |
144 |
144 |
144 |
144 |
144 |
1,144 |
72 |
72 |
72 |
72 |
72 |
72 |
72 |
72 |
72 |
72 |
72 |
支出 |
生活費 |
1.0% |
288 |
291 |
294 |
297 |
300 |
303 |
306 |
309 |
312 |
315 |
318 |
321 |
325 |
328 |
331 |
334 |
338 |
341 |
344 |
348 |
351 |
177 |
179 |
181 |
183 |
185 |
180 |
182 |
184 |
185 |
187 |
189 |
その他支出 |
1.0% |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
支出合計 |
|
288 |
291 |
294 |
297 |
300 |
303 |
306 |
309 |
312 |
315 |
318 |
321 |
325 |
328 |
331 |
334 |
338 |
341 |
344 |
348 |
351 |
177 |
179 |
181 |
183 |
185 |
180 |
182 |
184 |
185 |
187 |
189 |
年間収支 |
|
-288 |
-291 |
-294 |
-297 |
-300 |
-231 |
-234 |
-237 |
-240 |
-243 |
-174 |
-177 |
-181 |
-184 |
-187 |
-190 |
-194 |
-197 |
-200 |
-204 |
793 |
-105 |
-107 |
-109 |
-111 |
-113 |
-108 |
-110 |
-112 |
-113 |
-115 |
-117 |
貯蓄残高(0%) |
|
1,712 |
1,421 |
1,127 |
831 |
531 |
300 |
67 |
-170 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
貯蓄残高(0.5%) |
|
1,712 |
1,430 |
1,143 |
852 |
557 |
329 |
97 |
-140 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
貯蓄残高(1%) |
|
1,712 |
1,438 |
1,159 |
874 |
583 |
358 |
128 |
-108 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
貯蓄残高(2%) |
|
1,712 |
1,455 |
1,191 |
918 |
636 |
418 |
193 |
-40 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
貯蓄残高(3%) |
|
1,712 |
1,472 |
1,223 |
963 |
692 |
482 |
263 |
34 |
-205 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|