一歩一歩前進!リタイアへの備忘録

80年生まれ。高卒学歴ナシでもアーリーリタイアが実現できることを立証します( `ー´)ノ

リタイアまで後9年

昨年2017に10年以内にセミリタイアを目標に。

リタイア資産は億り人を目指す。

 

さて、後9年。ちんたらしている暇はない。

 

 

目標達成するには

稼ぎを多くする。昨年度年収1430万。もっと稼ぐように。

太陽光発電所を複数所持する。まだ1基も発電なしだがメガを最低でも目指す。

高配当株戦略で長期ホールド

 

毎月40万の資金投下。ボーナスで年4回で400万を投下。

むむー書いているとなかなの数字。

 

 

でも、できないことは無いはず。太陽光のコンスタントな収入、配当を再配当。

給与を躊躇なく投下していけば達成できることを証明します。

 

 

積立計算ボーナス併用(複利毎課税)
年利率
    1. %,
    2.  利息端数
 
積立年数
毎月積立額
    1. 万円
ボーナス月加算額
    1. 万円 , 
    2. 開始
    3. ヶ月目
積立前の元金
    1. 万円
複利方式
利息組込み
    1. 期初 期末
課税方式
    1. 非課税 複利毎課税
    2. %
 
 
 
 

月数

年数
月払
元金
月払
利息
ボーナス払
元金
ボーナス払
利息

利息計
税引後
利息計
税引後
元利合計
1   4,400,000 18,333 0 0 18,333 14,608 4,414,608
2   4,800,000 38,393 0 0 38,393 30,593 4,830,593
3   5,200,000 60,187 0 0 60,187 47,960 5,247,960
4   5,600,000 83,720 0 0 83,720 66,712 5,666,712
5   6,000,000 108,997 0 0 108,997 86,854 6,086,854
6   6,400,000 136,025 2,000,000 8,333 144,358 115,031 8,515,031
7   6,800,000 164,809 2,000,000 16,694 181,503 144,630 8,944,630
8   7,200,000 195,356 2,000,000 25,082 220,438 175,655 9,375,655
9   7,600,000 227,671 2,000,000 33,498 261,169 208,111 9,808,111
10   8,000,000 261,760 2,000,000 41,942 303,702 242,004 10,242,004
11   8,400,000 297,629 2,000,000 50,414 348,043 277,337 10,677,337
12 1年目 8,800,000 335,283 4,000,000 67,248 402,531 320,756 13,120,756
13   9,200,000 374,729 4,000,000 84,137 458,866 365,646 13,565,646
14   9,600,000 415,973 4,000,000 101,083 517,056 412,015 14,012,015
15   10,000,000 459,020 4,000,000 118,085 577,105 459,866 14,459,866
16   10,400,000 503,877 4,000,000 135,143 639,020 509,202 14,909,202
17   10,800,000 550,549 4,000,000 152,258 702,807 560,030 15,360,030
18   11,200,000 599,043 6,000,000 177,763 776,806 618,997 17,818,997
19   11,600,000 649,365 6,000,000 203,353 852,718 679,487 18,279,487
20   12,000,000 701,521 6,000,000 229,028 930,549 741,507 18,741,507
21   12,400,000 755,516 6,000,000 254,788 1,010,304 805,059 19,205,059
22   12,800,000 811,357 6,000,000 280,633 1,091,990 870,151 19,670,151
23   13,200,000 869,050 6,000,000 306,564 1,175,614 936,787 20,136,787
24 2年目 13,600,000 928,602 8,000,000 340,915 1,269,517 1,011,614 22,611,614
25   14,000,000 990,018 8,000,000 375,380 1,365,398 1,088,016 23,088,016
26   14,400,000 1,053,305 8,000,000 409,959 1,463,264 1,166,001 23,566,001
27   14,800,000 1,118,468 8,000,000 444,653 1,563,121 1,245,572 24,045,572
28   15,200,000 1,185,514 8,000,000 479,462 1,664,976 1,326,735 24,526,735
29   15,600,000 1,254,450 8,000,000 514,387 1,768,837 1,409,497 25,009,497
30   16,000,000 1,325,281 10,000,000 557,761 1,883,042 1,500,501 27,500,501
31   16,400,000 1,398,014 10,000,000 601,279 1,999,293 1,593,136 27,993,136
32   16,800,000 1,472,655 10,000,000 644,942 2,117,597 1,687,407 28,487,407
33   17,200,000 1,549,211 10,000,000 688,750 2,237,961 1,783,318 28,983,318
34   17,600,000 1,627,688 10,000,000 732,703 2,360,391 1,880,877 29,480,877
35   18,000,000 1,708,092 10,000,000 776,802 2,484,894 1,980,087 29,980,087
36 3年目 18,400,000 1,790,429 12,000,000 829,381 2,619,810 2,087,595 32,487,595
37   18,800,000 1,874,706 12,000,000 882,134 2,756,840 2,196,787 32,996,787
38   19,200,000 1,960,930 12,000,000 935,062 2,895,992 2,307,671 33,507,671
39   19,600,000 2,049,107 12,000,000 988,166 3,037,273 2,420,250 34,020,250
40   20,000,000 2,139,243 12,000,000 1,041,446 3,180,689 2,534,531 34,534,531
41   20,400,000 2,231,345 12,000,000 1,094,903 3,326,248 2,650,520 35,050,520
42   20,800,000 2,325,420 14,000,000 1,156,871 3,482,291 2,774,862 37,574,862
43   21,200,000 2,421,474 14,000,000 1,219,045 3,640,519 2,900,947 38,100,947
44   21,600,000 2,519,513 14,000,000 1,281,425 3,800,938 3,028,776 38,628,776
45   22,000,000 2,619,544 14,000,000 1,344,012 3,963,556 3,158,358 39,158,358
46   22,400,000 2,721,574 14,000,000 1,406,807 4,128,381 3,289,700 39,689,700
47   22,800,000 2,825,610 14,000,000 1,469,811 4,295,421 3,422,805 40,222,805
48 4年目 23,200,000 2,931,658 16,000,000 1,541,357 4,473,015 3,564,321 42,764,321
49   23,600,000 3,039,725 16,000,000 1,613,141 4,652,866 3,707,635 43,307,635
50   24,000,000 3,149,817 16,000,000 1,685,163 4,834,980 3,852,753 43,852,753
51   24,400,000 3,261,941 16,000,000 1,757,424 5,019,365 3,999,680 44,399,680
52   24,800,000 3,376,104 16,000,000 1,829,925 5,206,029 4,148,423 44,948,423
53   25,200,000 3,492,313 16,000,000 1,902,667 5,394,980 4,298,989 45,498,989
54   25,600,000 3,610,574 18,000,000 1,983,984 5,594,558 4,458,022 48,058,022
55   26,000,000 3,730,895 18,000,000 2,065,571 5,796,466 4,618,913 48,618,913
56   26,400,000 3,853,282 18,000,000 2,147,429 6,000,711 4,781,665 49,181,665
57   26,800,000 3,977,742 18,000,000 2,229,558 6,207,300 4,946,286 49,746,286
58   27,200,000 4,104,282 18,000,000 2,311,960 6,416,242 5,112,782 50,312,782
59   27,600,000 4,232,909 18,000,000 2,394,636 6,627,545 5,281,158 50,881,158
60 5年目 28,000,000 4,363,629 20,000,000 2,485,920 6,849,549 5,458,062 53,458,062
61   28,400,000 4,496,450 20,000,000 2,577,507 7,073,957 5,636,882 54,036,882
62   28,800,000 4,631,379 20,000,000 2,669,398 7,300,777 5,817,623 54,617,623
63   29,200,000 4,768,422 20,000,000 2,761,594 7,530,016 6,000,293 55,200,293
64   29,600,000 4,907,587 20,000,000 2,854,096 7,761,683 6,184,896 55,784,896
65   30,000,000 5,048,881 20,000,000 2,946,905 7,995,786 6,371,441 56,371,441
66   30,400,000 5,192,311 22,000,000 3,048,356 8,240,667 6,566,575 58,966,575
67   30,800,000 5,337,883 22,000,000 3,150,143 8,488,026 6,763,683 59,563,683
68   31,200,000 5,485,605 22,000,000 3,252,268 8,737,873 6,962,773 60,162,773
69   31,600,000 5,635,485 22,000,000 3,354,732 8,990,217 7,163,854 60,763,854
70   32,000,000 5,787,529 22,000,000 3,457,537 9,245,066 7,366,930 61,366,930
71   32,400,000 5,941,744 22,000,000 3,560,683 9,502,427 7,572,008 61,972,008
72 6年目 32,800,000 6,098,138 24,000,000 3,672,505 9,770,643 7,785,736 64,585,736
73   33,200,000 6,256,718 24,000,000 3,784,698 10,041,416 8,001,501 65,201,501
74   33,600,000 6,417,491 24,000,000 3,897,263 10,314,754 8,219,311 65,819,311
75   34,000,000 6,580,465 24,000,000 4,010,202 10,590,667 8,439,172 66,439,172
76   34,400,000 6,745,646 24,000,000 4,123,516 10,869,162 8,661,091 67,061,091
77   34,800,000 6,913,042 24,000,000 4,237,206 11,150,248 8,885,074 67,685,074
78   35,200,000 7,082,661 26,000,000 4,359,607 11,442,268 9,117,770 70,317,770
79   35,600,000 7,254,510 26,000,000 4,482,415 11,736,925 9,352,568 70,952,568
80   36,000,000 7,428,596 26,000,000 4,605,630 12,034,226 9,589,472 71,589,472
81   36,400,000 7,604,927 26,000,000 4,729,254 12,334,181 9,828,492 72,228,492
82   36,800,000 7,783,510 26,000,000 4,853,289 12,636,799 10,069,632 72,869,632
83   37,200,000 7,964,352 26,000,000 4,977,736 12,942,088 10,312,901 73,512,901
84 7年目 37,600,000 8,147,461 28,000,000 5,110,929 13,258,390 10,564,947 76,164,947
85   38,000,000 8,332,845 28,000,000 5,244,565 13,577,410 10,819,158 76,819,158
86   38,400,000 8,520,511 28,000,000 5,378,644 13,899,155 11,075,541 77,475,541
87   38,800,000 8,710,467 28,000,000 5,513,168 14,223,635 11,334,102 78,134,102
88   39,200,000 8,902,720 28,000,000 5,648,139 14,550,859 11,594,851 78,794,851
89   39,600,000 9,097,278 28,000,000 5,783,558 14,880,836 11,857,793 79,457,793
90   40,000,000 9,294,149 30,000,000 5,927,760 15,221,909 12,129,577 82,129,577
91   40,400,000 9,493,340 30,000,000 6,072,441 15,565,781 12,403,591 82,803,591
92   40,800,000 9,694,859 30,000,000 6,217,602 15,912,461 12,679,844 83,479,844
93   41,200,000 9,898,714 30,000,000 6,363,245 16,261,959 12,958,341 84,158,341
94   41,600,000 10,104,913 30,000,000 6,509,372 16,614,285 13,239,092 84,839,092
95   42,000,000 10,313,463 30,000,000 6,655,984 16,969,447 13,522,102 85,522,102
96 8年目 42,400,000 10,524,372 32,000,000 6,811,416 17,335,788 13,814,021 88,214,021
97   42,800,000 10,737,648 32,000,000 6,967,364 17,705,012 14,108,238 88,908,238
98   43,200,000 10,953,299 32,000,000 7,123,830 18,077,129 14,404,759 89,604,759
99   43,600,000 11,171,332 32,000,000 7,280,815 18,452,147 14,703,592 90,303,592
100   44,000,000 11,391,756 32,000,000 7,438,322 18,830,078 15,004,746 91,004,746
101   44,400,000 11,614,579 32,000,000 7,596,352 19,210,931 15,308,230 91,708,230
102   44,800,000 11,839,808 34,000,000 7,763,240 19,603,048 15,620,688 94,420,688
103   45,200,000 12,067,451 34,000,000 7,930,682 19,998,133 15,935,511 95,135,511
104   45,600,000 12,297,517 34,000,000 8,098,680 20,396,197 16,252,709 95,852,709
105   46,000,000 12,530,013 34,000,000 8,267,235 20,797,248 16,572,286 96,572,286
106   46,400,000 12,764,948 34,000,000 8,436,350 21,201,298 16,894,253 97,294,253
107   46,800,000 13,002,330 34,000,000 8,606,027 21,608,357 17,218,618 98,018,618
108 9年目 47,200,000 13,242,167 36,000,000 8,784,600 22,026,767 17,552,028 100,752,028
---- -----              
  課税   2,690,147   1,784,592 4,474,739    
  税引後 47,200,000 10,552,020 36,000,000 7,000,008 17,552,028 17,552,028 100,752,028
 
 
 
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