Age and saved capital | ||
Your age now | ||
How much you already saved | ||
Amount of money, which you want to save | ||
Incomes | ||
Your monthly earnings now | ||
Your extra income per month (rent a flat, ads on the websites etc.) | ||
Estimated yearly return rate | ||
Expenses | ||
How much money do you need per month to live | ||
Annual inflation (expected) | ||
Insurance and state pension | ||
Monthly insurance contribution | ||
State pension age | ||
Estimated state pension |
Years to freedom | 20 | |
Your age when leaving job | 50 | |
Money saved when leaving job | 1008895.95 | |
Your capital will be exhausted when you are | 94 |
Age | Saved capital | Incomes | Expenses | Annual balance | Capital at the end of year | |||
Interests | Job | Extra income | Life cost | Insurance | ||||
30 | 100000.00 | 4000.00 | 60000.00 | 12000.00 | 24000.00 | 14070.72 | 37929.28 | 137929.28 |
31 | 137929.28 | 5517.17 | 60000.00 | 12000.00 | 24600.00 | 14422.49 | 38494.68 | 176423.96 |
32 | 176423.96 | 7056.96 | 60000.00 | 12000.00 | 25215.00 | 14783.05 | 39058.91 | 215482.87 |
33 | 215482.87 | 8619.31 | 60000.00 | 12000.00 | 25845.37 | 15152.63 | 39621.31 | 255104.18 |
34 | 255104.18 | 10204.17 | 60000.00 | 12000.00 | 26491.51 | 15531.44 | 40181.22 | 295285.40 |
35 | 295285.40 | 11811.42 | 60000.00 | 12000.00 | 27153.80 | 15919.73 | 40737.89 | 336023.29 |
36 | 336023.29 | 13440.93 | 60000.00 | 12000.00 | 27832.64 | 16317.72 | 41290.57 | 377313.86 |
37 | 377313.86 | 15092.55 | 60000.00 | 12000.00 | 28528.46 | 16725.66 | 41838.43 | 419152.29 |
38 | 419152.29 | 16766.09 | 60000.00 | 12000.00 | 29241.67 | 17143.81 | 42380.62 | 461532.91 |
39 | 461532.91 | 18461.32 | 60000.00 | 12000.00 | 29972.71 | 17572.40 | 42916.20 | 504449.11 |
40 | 504449.11 | 20177.96 | 60000.00 | 12000.00 | 30722.03 | 18011.71 | 43444.22 | 547893.34 |
41 | 547893.34 | 21915.73 | 60000.00 | 12000.00 | 31490.08 | 18462.00 | 43963.65 | 591856.99 |
42 | 591856.99 | 23674.28 | 60000.00 | 12000.00 | 32277.33 | 18923.55 | 44473.39 | 636330.38 |
43 | 636330.38 | 25453.22 | 60000.00 | 12000.00 | 33084.27 | 19396.64 | 44972.31 | 681302.69 |
44 | 681302.69 | 27252.11 | 60000.00 | 12000.00 | 33911.37 | 19881.56 | 45459.18 | 726761.86 |
45 | 726761.86 | 29070.47 | 60000.00 | 12000.00 | 34759.16 | 20378.60 | 45932.72 | 772694.58 |
46 | 772694.58 | 30907.78 | 60000.00 | 12000.00 | 35628.13 | 20888.06 | 46391.59 | 819086.17 |
47 | 819086.17 | 32763.45 | 60000.00 | 12000.00 | 36518.84 | 21410.26 | 46834.34 | 865920.51 |
48 | 865920.51 | 34636.82 | 60000.00 | 12000.00 | 37431.81 | 21945.52 | 47259.49 | 913180.00 |
49 | 913180.00 | 36527.20 | 60000.00 | 12000.00 | 38367.60 | 22494.16 | 47665.44 | 960845.44 |
50 | 960845.44 | 38433.82 | 60000.00 | 12000.00 | 39326.79 | 23056.51 | 48050.51 | 1008895.95 |
Age | Saved capital | Incomes | Expenses | Annual balance | Capital at the end of year | ||
Interests | Extra income | Life cost | Insurance | ||||
51 | 1008895.95 | 40355.84 | 12000.00 | 40309.96 | 23632.93 | -11587.05 | 997308.90 |
52 | 997308.90 | 39892.36 | 12000.00 | 41317.71 | 24223.75 | -13649.11 | 983659.79 |
53 | 983659.79 | 39346.39 | 12000.00 | 42350.66 | 24829.34 | -15833.61 | 967826.18 |
54 | 967826.18 | 38713.05 | 12000.00 | 43409.42 | 25450.08 | -18146.45 | 949679.73 |
55 | 949679.73 | 37987.19 | 12000.00 | 44494.66 | 26086.33 | -20593.80 | 929085.93 |
56 | 929085.93 | 37163.44 | 12000.00 | 45607.02 | 26738.49 | -23182.07 | 905903.86 |
57 | 905903.86 | 36236.15 | 12000.00 | 46747.20 | 27406.95 | -25917.99 | 879985.87 |
58 | 879985.87 | 35199.43 | 12000.00 | 47915.88 | 28092.12 | -28808.57 | 851177.30 |
59 | 851177.30 | 34047.09 | 12000.00 | 49113.78 | 28794.43 | -31861.11 | 819316.19 |
60 | 819316.19 | 32772.65 | 12000.00 | 50341.62 | 29514.29 | -35083.26 | 784232.93 |
61 | 784232.93 | 31369.32 | 12000.00 | 51600.16 | 30252.14 | -38482.99 | 745749.94 |
62 | 745749.94 | 29830.00 | 12000.00 | 52890.17 | 31008.45 | -42068.62 | 703681.32 |
63 | 703681.32 | 28147.25 | 12000.00 | 54212.42 | 31783.66 | -45848.83 | 657832.49 |
64 | 657832.49 | 26313.30 | 12000.00 | 55567.73 | 32578.25 | -49832.68 | 607999.81 |
Age | Saved capital | Incomes | Expenses | Annual balance | Capital at the end of year | ||
Interests | Extra income | State pension | Life cost | ||||
65 | 607999.81 | 24319.99 | 12000.00 | 34174.15 | 56956.92 | -10782.77 | 597217.04 |
66 | 597217.04 | 23888.68 | 12000.00 | 35028.51 | 58380.85 | -11352.34 | 585864.71 |
67 | 585864.71 | 23434.59 | 12000.00 | 35904.22 | 59840.37 | -11936.15 | 573928.56 |
68 | 573928.56 | 22957.14 | 12000.00 | 36801.83 | 61336.38 | -12534.55 | 561394.01 |
69 | 561394.01 | 22455.76 | 12000.00 | 37721.87 | 62869.79 | -13147.91 | 548246.09 |
70 | 548246.09 | 21929.84 | 12000.00 | 38664.92 | 64441.53 | -13776.61 | 534469.48 |
71 | 534469.48 | 21378.78 | 12000.00 | 39631.54 | 66052.57 | -14421.03 | 520048.45 |
72 | 520048.45 | 20801.94 | 12000.00 | 40622.33 | 67703.88 | -15081.55 | 504966.90 |
73 | 504966.90 | 20198.68 | 12000.00 | 41637.89 | 69396.48 | -15758.59 | 489208.30 |
74 | 489208.30 | 19568.33 | 12000.00 | 42678.84 | 71131.39 | -16452.56 | 472755.75 |
75 | 472755.75 | 18910.23 | 12000.00 | 43745.81 | 72909.68 | -17163.87 | 455591.87 |
76 | 455591.87 | 18223.67 | 12000.00 | 44839.45 | 74732.42 | -17892.97 | 437698.91 |
77 | 437698.91 | 17507.96 | 12000.00 | 45960.44 | 76600.73 | -18640.29 | 419058.61 |
78 | 419058.61 | 16762.34 | 12000.00 | 47109.45 | 78515.75 | -19406.30 | 399652.31 |
79 | 399652.31 | 15986.09 | 12000.00 | 48287.19 | 80478.64 | -20191.46 | 379460.86 |
80 | 379460.86 | 15178.43 | 12000.00 | 49494.37 | 82490.61 | -20996.24 | 358464.61 |
81 | 358464.61 | 14338.58 | 12000.00 | 50731.72 | 84552.87 | -21821.15 | 336643.46 |
82 | 336643.46 | 13465.74 | 12000.00 | 52000.02 | 86666.70 | -22666.68 | 313976.79 |
83 | 313976.79 | 12559.07 | 12000.00 | 53300.02 | 88833.36 | -23533.35 | 290443.44 |
84 | 290443.44 | 11617.74 | 12000.00 | 54632.52 | 91054.20 | -24421.68 | 266021.76 |
85 | 266021.76 | 10640.87 | 12000.00 | 55998.33 | 93330.55 | -25332.22 | 240689.54 |
86 | 240689.54 | 9627.58 | 12000.00 | 57398.29 | 95663.82 | -26265.53 | 214424.01 |
87 | 214424.01 | 8576.96 | 12000.00 | 58833.25 | 98055.41 | -27222.16 | 187201.85 |
88 | 187201.85 | 7488.07 | 12000.00 | 60304.08 | 100506.80 | -28202.72 | 158999.13 |
89 | 158999.13 | 6359.97 | 12000.00 | 61811.68 | 103019.47 | -29207.79 | 129791.34 |
90 | 129791.34 | 5191.65 | 12000.00 | 63356.97 | 105594.95 | -30237.98 | 99553.36 |
91 | 99553.36 | 3982.13 | 12000.00 | 64940.90 | 108234.83 | -31293.93 | 68259.43 |
92 | 68259.43 | 2730.38 | 12000.00 | 66564.42 | 110940.70 | -32376.28 | 35883.15 |
93 | 35883.15 | 1435.33 | 12000.00 | 68228.53 | 113714.22 | -33485.69 | 2397.46 |
94 | 2397.46 | 95.90 | 12000.00 | 69934.24 | 116557.07 | -34622.83 | -32225.37 |