退職後のキャッシュフロー表 例4 |
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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6万円と仮定,以後年間1%の増加を見込む |
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夫は1000万円の生命保険に加入している |
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2009年スタート時における預金残高を5,000万円とする |
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夫婦とも国民年金が65歳から支給され、夫婦とも国民年金基金が65歳から毎月10万円入るとする |
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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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1,000 |
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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 |
1,384 |
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% |
72 |
73 |
73 |
74 |
75 |
76 |
76 |
77 |
78 |
79 |
80 |
80 |
81 |
82 |
83 |
84 |
84 |
85 |
86 |
87 |
88 |
44 |
45 |
45 |
46 |
46 |
47 |
47 |
48 |
48 |
49 |
49 |
支出合計 |
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432 |
436 |
441 |
445 |
450 |
454 |
459 |
463 |
468 |
472 |
477 |
482 |
487 |
492 |
497 |
502 |
507 |
512 |
517 |
522 |
527 |
266 |
269 |
272 |
274 |
277 |
227 |
229 |
231 |
233 |
236 |
238 |
年間収支 |
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-432 |
-436 |
-441 |
-445 |
-450 |
-262 |
-267 |
-271 |
-276 |
-280 |
-93 |
-98 |
-103 |
-108 |
-113 |
-118 |
-123 |
-128 |
-133 |
-138 |
857 |
-74 |
-77 |
-80 |
-82 |
-85 |
-95 |
-97 |
-99 |
-101 |
-104 |
-106 |
貯蓄残高(0%) |
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4,568 |
4,132 |
3,691 |
3,246 |
2,796 |
2,534 |
2,268 |
1,997 |
1,721 |
1,440 |
1,347 |
1,249 |
1,146 |
1,039 |
926 |
809 |
686 |
558 |
426 |
288 |
1,145 |
1,070 |
994 |
914 |
832 |
747 |
652 |
555 |
456 |
355 |
251 |
145 |
貯蓄残高(0.5%) |
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4,568 |
4,155 |
3,735 |
3,308 |
2,875 |
2,628 |
2,374 |
2,115 |
1,850 |
1,578 |
1,493 |
1,403 |
1,307 |
1,206 |
1,099 |
987 |
869 |
746 |
617 |
482 |
1,342 |
1,274 |
1,204 |
1,130 |
1,054 |
974 |
884 |
792 |
696 |
598 |
497 |
394 |
貯蓄残高(1%) |
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4,568 |
4,177 |
3,778 |
3,371 |
2,955 |
2,723 |
2,483 |
2,237 |
1,984 |
1,723 |
1,647 |
1,566 |
1,479 |
1,386 |
1,287 |
1,182 |
1,072 |
955 |
831 |
702 |
1,566 |
1,507 |
1,445 |
1,380 |
1,312 |
1,240 |
1,158 |
1,072 |
984 |
892 |
797 |
699 |
貯蓄残高(2%) |
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4,568 |
4,223 |
3,867 |
3,499 |
3,120 |
2,920 |
2,712 |
2,495 |
2,269 |
2,034 |
1,981 |
1,923 |
1,859 |
1,788 |
1,711 |
1,628 |
1,538 |
1,441 |
1,337 |
1,226 |
2,107 |
2,075 |
2,040 |
2,001 |
1,959 |
1,913 |
1,857 |
1,797 |
1,734 |
1,667 |
1,597 |
1,522 |
貯蓄残高(3%) |
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4,568 |
4,269 |
3,956 |
3,630 |
3,289 |
3,126 |
2,953 |
2,770 |
2,578 |
2,374 |
2,353 |
2,325 |
2,292 |
2,253 |
2,208 |
2,157 |
2,099 |
2,034 |
1,963 |
1,884 |
2,797 |
2,807 |
2,814 |
2,819 |
2,821 |
2,821 |
2,811 |
2,798 |
2,783 |
2,765 |
2,744 |
2,720 |
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