退職後のキャッシュフロー表 例5 |
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2009年における生活費を毎月38万円と仮定 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2000万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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国民年金基金が夫婦それぞれ65歳から毎月10万円支給されるとする |
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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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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% |
456 |
461 |
465 |
470 |
475 |
479 |
484 |
489 |
494 |
499 |
504 |
509 |
514 |
519 |
524 |
529 |
535 |
540 |
545 |
551 |
556 |
281 |
284 |
287 |
289 |
292 |
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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528 |
533 |
539 |
544 |
549 |
555 |
560 |
566 |
572 |
577 |
583 |
589 |
595 |
601 |
607 |
613 |
619 |
625 |
632 |
638 |
644 |
325 |
329 |
332 |
335 |
339 |
227 |
229 |
231 |
233 |
236 |
238 |
年間収支 |
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-528 |
-533 |
-539 |
-544 |
-549 |
-363 |
-368 |
-374 |
-380 |
-385 |
-199 |
-205 |
-211 |
-217 |
-223 |
-229 |
-235 |
-241 |
-248 |
-254 |
1,740 |
-133 |
-137 |
-140 |
-143 |
-147 |
-95 |
-97 |
-99 |
-101 |
-104 |
-106 |
貯蓄残高(0%) |
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4,472 |
3,939 |
3,400 |
2,856 |
2,307 |
1,944 |
1,575 |
1,201 |
821 |
436 |
237 |
32 |
-179 |
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貯蓄残高(0.5%) |
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4,472 |
3,961 |
3,442 |
2,915 |
2,381 |
2,030 |
1,671 |
1,306 |
932 |
552 |
355 |
152 |
-58 |
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貯蓄残高(1%) |
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4,472 |
3,983 |
3,485 |
2,976 |
2,456 |
2,117 |
1,770 |
1,414 |
1,048 |
673 |
481 |
280 |
72 |
-144 |
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貯蓄残高(2%) |
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4,472 |
4,028 |
3,570 |
3,098 |
2,610 |
2,299 |
1,977 |
1,642 |
1,295 |
936 |
755 |
565 |
366 |
156 |
-64 |
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貯蓄残高(3%) |
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4,472 |
4,073 |
3,656 |
3,222 |
2,769 |
2,490 |
2,196 |
1,888 |
1,564 |
1,226 |
1,063 |
890 |
706 |
510 |
303 |
83 |
-150 |
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