2024年3月末の逃げ切り計画はこんな感じです。
リタイア初年度の生活費は、次のような計算になっています。
2024年3月末の逃げ切り計画はこんな感じです。
西暦 | 年齢 | 国の年金 | 個人年金 | IDECO | 生活費 | 資産残高 |
2023 | 52 | -¥4,150,000 | ¥131,828,447 | |||
2024 | 53 | -¥3,000,000 | ¥128,828,447 | |||
2025 | 54 | -¥3,000,000 | ¥125,828,447 | |||
2026 | 55 | -¥3,000,000 | ¥122,828,447 | |||
2027 | 56 | -¥3,000,000 | ¥119,828,447 | |||
2028 | 57 | -¥3,000,000 | ¥116,828,447 | |||
2029 | 58 | -¥3,000,000 | ¥113,828,447 | |||
2030 | 59 | -¥3,000,000 | ¥110,828,447 | |||
2031 | 60 | -¥3,000,000 | ¥107,828,447 | |||
2032 | 61 | ¥345,540 | -¥3,000,000 | ¥105,173,987 | ||
2033 | 62 | ¥345,540 | -¥3,000,000 | ¥102,519,527 | ||
2034 | 63 | ¥345,540 | -¥3,000,000 | ¥99,865,067 | ||
2035 | 64 | ¥345,540 | ¥240,000 | -¥3,000,000 | ¥97,450,607 | |
2036 | 65 | ¥345,540 | ¥2,000,000 | -¥3,000,000 | ¥96,796,147 | |
2037 | 66 | ¥345,540 | ¥2,000,000 | -¥3,000,000 | ¥96,141,687 | |
2038 | 67 | ¥345,540 | ¥2,000,000 | -¥3,000,000 | ¥95,487,227 | |
2039 | 68 | ¥345,540 | ¥2,000,000 | -¥3,000,000 | ¥94,832,767 | |
2040 | 69 | ¥345,540 | ¥2,000,000 | -¥3,000,000 | ¥94,178,307 | |
2041 | 70 | ¥1,922,539 | ¥345,540 | ¥240,000 | -¥3,000,000 | ¥93,686,386 |
2042 | 71 | ¥2,097,316 | ¥240,000 | -¥3,000,000 | ¥93,023,702 | |
2043 | 72 | ¥2,097,316 | ¥240,000 | -¥3,000,000 | ¥92,361,018 | |
2044 | 73 | ¥2,097,316 | ¥240,000 | -¥3,000,000 | ¥91,698,334 | |
2045 | 74 | ¥2,097,316 | ¥240,000 | -¥3,000,000 | ¥91,035,650 | |
2046 | 75 | ¥2,097,316 | ¥240,000 | -¥3,000,000 | ¥90,372,966 | |
2047 | 76 | ¥2,097,316 | ¥240,000 | -¥3,000,000 | ¥89,710,282 | |
2048 | 77 | ¥2,097,316 | ¥240,000 | -¥3,000,000 | ¥89,047,598 | |
2049 | 78 | ¥2,097,316 | ¥240,000 | -¥3,000,000 | ¥88,384,914 | |
2050 | 79 | ¥2,097,316 | ¥240,000 | -¥3,000,000 | ¥87,722,230 | |
2051 | 80 | ¥2,097,316 | ¥240,000 | -¥3,000,000 | ¥87,059,546 |
失業保険 | ¥0 |
生活費9ヵ月分 | ¥2,250,000 |
初年度住民税 | ¥700,000 |
初年度健康保険 | ¥700,000 |
その他 | ¥500,000 |
合計 | ¥4,150,000 |
年金が200万もあると税金(健康保険、住民税等)かかりますけど150万以下に抑えたほうが良くないです?
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