退職後のキャッシュフロー表 例2 |
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夫婦とも国民年金が65歳から支給され、夫の国民年金基金が65歳から毎月10万円入るとする |
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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 |
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2009年スタート時における預金残高を3,000万円とする |
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夫は1000万円の生命保険に加入しているものとする |
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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) |
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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 |
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妻(歳) |
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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 |
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国民年金(夫) |
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72 |
72 |
72 |
72 |
72 |
72 |
72 |
72 |
72 |
72 |
72 |
72 |
72 |
72 |
72 |
72 |
72 |
72 |
72 |
72 |
72 |
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国民年金(妻) |
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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) |
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120 |
120 |
120 |
120 |
120 |
120 |
120 |
120 |
120 |
120 |
120 |
120 |
120 |
120 |
120 |
120 |
120 |
120 |
120 |
120 |
120 |
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年金基金(妻) |
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その他収入 |
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1,000 |
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収入合計 |
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0 |
0 |
0 |
0 |
0 |
192 |
192 |
192 |
192 |
192 |
264 |
264 |
264 |
264 |
264 |
264 |
264 |
264 |
264 |
264 |
264 |
264 |
264 |
264 |
264 |
1,264 |
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 |
355 |
358 |
362 |
366 |
369 |
185 |
187 |
188 |
190 |
192 |
194 |
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 |
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288 |
291 |
294 |
297 |
300 |
303 |
306 |
309 |
312 |
315 |
318 |
321 |
325 |
328 |
331 |
334 |
338 |
341 |
344 |
348 |
351 |
355 |
358 |
362 |
366 |
369 |
185 |
187 |
188 |
190 |
192 |
194 |
年間収支 |
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-288 |
-291 |
-294 |
-297 |
-300 |
-111 |
-114 |
-117 |
-120 |
-123 |
-54 |
-57 |
-61 |
-64 |
-67 |
-70 |
-74 |
-77 |
-80 |
-84 |
-87 |
-91 |
-94 |
-98 |
-102 |
895 |
-113 |
-115 |
-116 |
-118 |
-120 |
-122 |
貯蓄残高(0%) |
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2,712 |
2,421 |
2,127 |
1,831 |
1,531 |
1,420 |
1,307 |
1,190 |
1,070 |
947 |
893 |
835 |
775 |
711 |
644 |
574 |
500 |
423 |
342 |
259 |
171 |
80 |
-14 |
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貯蓄残高(0.5%) |
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2,712 |
2,435 |
2,153 |
1,867 |
1,577 |
1,474 |
1,368 |
1,258 |
1,144 |
1,027 |
978 |
925 |
869 |
810 |
747 |
680 |
610 |
536 |
458 |
377 |
291 |
202 |
108 |
11 |
-91 |
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貯蓄残高(1%) |
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2,712 |
2,448 |
2,179 |
1,904 |
1,623 |
1,529 |
1,430 |
1,328 |
1,221 |
1,111 |
1,068 |
1,021 |
971 |
917 |
859 |
797 |
731 |
661 |
588 |
510 |
427 |
341 |
249 |
154 |
54 |
949 |
846 |
740 |
631 |
519 |
404 |
286 |
貯蓄残高(2%) |
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2,712 |
2,475 |
2,231 |
1,979 |
1,719 |
1,643 |
1,562 |
1,476 |
1,386 |
1,291 |
1,262 |
1,230 |
1,194 |
1,154 |
1,110 |
1,062 |
1,010 |
953 |
891 |
825 |
754 |
679 |
598 |
512 |
420 |
1,323 |
1,237 |
1,147 |
1,054 |
957 |
856 |
751 |
貯蓄残高(3%) |
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2,712 |
2,502 |
2,284 |
2,056 |
1,818 |
1,761 |
1,700 |
1,635 |
1,564 |
1,488 |
1,478 |
1,465 |
1,449 |
1,429 |
1,404 |
1,376 |
1,344 |
1,307 |
1,266 |
1,220 |
1,169 |
1,113 |
1,052 |
985 |
913 |
1,835 |
1,778 |
1,716 |
1,652 |
1,583 |
1,510 |
1,433 |
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