退職後のキャッシュフロー表 例3 |
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2009年における生活費を毎月30万円と仮定 以後年間インフレを見て1%の増加を見込む |
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2009年におけるその他の支出を毎月4万円(夫婦それぞれ2万円ずつの小遣い?)と仮定,以後年間1%の増加を見込む |
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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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夫が2000万円の生命保険に加入している |
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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 |
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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 |
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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 |
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年金基金(妻) |
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120 |
120 |
120 |
120 |
120 |
120 |
120 |
120 |
120 |
120 |
120 |
120 |
120 |
120 |
120 |
120 |
60 |
60 |
60 |
60 |
60 |
60 |
その他収入 |
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2,000 |
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収入合計 |
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0 |
0 |
0 |
0 |
0 |
192 |
192 |
192 |
192 |
192 |
384 |
384 |
384 |
384 |
384 |
384 |
384 |
384 |
384 |
384 |
2,384 |
192 |
192 |
192 |
192 |
192 |
132 |
132 |
132 |
132 |
132 |
132 |
支出 |
生活費 |
1.0% |
360 |
364 |
367 |
371 |
375 |
378 |
382 |
386 |
390 |
394 |
398 |
402 |
406 |
410 |
414 |
418 |
422 |
426 |
431 |
435 |
439 |
222 |
224 |
226 |
229 |
231 |
180 |
182 |
184 |
185 |
187 |
189 |
その他支出 |
1.0% |
48 |
48 |
49 |
49 |
50 |
50 |
51 |
51 |
52 |
52 |
53 |
54 |
54 |
55 |
55 |
56 |
56 |
57 |
57 |
58 |
59 |
30 |
30 |
30 |
30 |
31 |
31 |
31 |
32 |
32 |
32 |
33 |
支出合計 |
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408 |
412 |
416 |
420 |
425 |
429 |
433 |
437 |
442 |
446 |
451 |
455 |
460 |
464 |
469 |
474 |
478 |
483 |
488 |
493 |
498 |
251 |
254 |
256 |
259 |
262 |
211 |
213 |
215 |
217 |
220 |
222 |
年間収支 |
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-408 |
-412 |
-416 |
-420 |
-425 |
-237 |
-241 |
-245 |
-250 |
-254 |
-67 |
-71 |
-76 |
-80 |
-85 |
-90 |
-94 |
-99 |
-104 |
-109 |
1,886 |
-59 |
-62 |
-64 |
-67 |
-70 |
-79 |
-81 |
-83 |
-85 |
-88 |
-90 |
貯蓄残高(0%) |
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2,592 |
2,180 |
1,764 |
1,343 |
919 |
682 |
441 |
195 |
-54 |
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貯蓄残高(0.5%) |
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2,592 |
2,193 |
1,788 |
1,376 |
959 |
727 |
489 |
246 |
-3 |
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貯蓄残高(1%) |
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2,592 |
2,206 |
1,812 |
1,409 |
999 |
772 |
539 |
299 |
52 |
-202 |
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貯蓄残高(2%) |
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2,592 |
2,232 |
1,860 |
1,477 |
1,082 |
867 |
643 |
411 |
169 |
-82 |
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貯蓄残高(3%) |
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2,592 |
2,258 |
1,909 |
1,546 |
1,168 |
966 |
754 |
531 |
297 |
52 |
-13 |
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その他の支出を0とした場合 |
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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 |
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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 |
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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 |
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年金基金(妻) |
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120 |
120 |
120 |
120 |
120 |
120 |
120 |
120 |
120 |
120 |
120 |
120 |
120 |
120 |
120 |
120 |
60 |
60 |
60 |
60 |
60 |
60 |
その他収入 |
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2,000 |
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収入合計 |
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0 |
0 |
0 |
0 |
0 |
192 |
192 |
192 |
192 |
192 |
384 |
384 |
384 |
384 |
384 |
384 |
384 |
384 |
384 |
384 |
2,384 |
192 |
192 |
192 |
192 |
192 |
132 |
132 |
132 |
132 |
132 |
132 |
支出 |
生活費 |
1.0% |
360 |
364 |
367 |
371 |
375 |
378 |
382 |
386 |
390 |
394 |
398 |
402 |
406 |
410 |
414 |
418 |
422 |
426 |
431 |
435 |
439 |
222 |
224 |
226 |
229 |
231 |
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 |
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360 |
364 |
367 |
371 |
375 |
378 |
382 |
386 |
390 |
394 |
398 |
402 |
406 |
410 |
414 |
418 |
422 |
426 |
431 |
435 |
439 |
222 |
224 |
226 |
229 |
231 |
180 |
182 |
184 |
185 |
187 |
189 |
年間収支 |
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-360 |
-364 |
-367 |
-371 |
-375 |
-186 |
-190 |
-194 |
-198 |
-202 |
-14 |
-18 |
-22 |
-26 |
-30 |
-34 |
-38 |
-42 |
-47 |
-51 |
1,945 |
-30 |
-32 |
-34 |
-37 |
-39 |
-48 |
-50 |
-52 |
-53 |
-55 |
-57 |
貯蓄残高(0%) |
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2,640 |
2,276 |
1,909 |
1,538 |
1,164 |
977 |
787 |
593 |
395 |
194 |
180 |
162 |
141 |
115 |
85 |
51 |
13 |
-29 |
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貯蓄残高(0.5%) |
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2,640 |
2,290 |
1,934 |
1,573 |
1,206 |
1,025 |
840 |
651 |
456 |
257 |
244 |
228 |
207 |
183 |
154 |
121 |
83 |
41 |
-5 |
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貯蓄残高(1%) |
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2,640 |
2,303 |
1,959 |
1,607 |
1,249 |
1,075 |
895 |
710 |
520 |
323 |
313 |
298 |
280 |
257 |
229 |
198 |
162 |
121 |
75 |
25 |
1,970 |
1,960 |
1,948 |
1,933 |
1,916 |
1,896 |
1,867 |
1,836 |
1,803 |
1,767 |
1,729 |
1,690 |
貯蓄残高(2%) |
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2,640 |
2,329 |
2,009 |
1,678 |
1,337 |
1,177 |
1,011 |
837 |
656 |
467 |
463 |
454 |
442 |
425 |
404 |
378 |
347 |
312 |
271 |
226 |
2,175 |
2,189 |
2,200 |
2,210 |
2,218 |
2,223 |
2,220 |
2,214 |
2,207 |
2,198 |
2,186 |
2,173 |
貯蓄残高(3%) |
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2,640 |
2,356 |
2,059 |
1,750 |
1,428 |
1,284 |
1,133 |
973 |
804 |
626 |
632 |
633 |
630 |
623 |
612 |
597 |
576 |
551 |
521 |
486 |
2,445 |
2,489 |
2,531 |
2,573 |
2,614 |
2,653 |
2,685 |
2,716 |
2,746 |
2,774 |
2,802 |
2,829 |
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