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1 | ||||||||||||||||||||||||||
2 | 我的資金夠買房(自住)嗎？ 該早點買還是晚一點買？ 自己來算算看吧 | |||||||||||||||||||||||||
3 | ||||||||||||||||||||||||||
4 | 第一步：輸入基本資料 | 結果1. 有買房的情況，退休時會存下多少錢？ | 結果2. 晚5年買房，多存多少錢？(前幾年以租代買) | 結果3. 不買房，多存多少錢？(以租代買) | ||||||||||||||||||||||
5 | 在黃色的格子可以填入數字 | 65歲退休時共存下3758萬元 | 65歲退休時共存下6070萬元 | 65歲退休時共存下13507萬元 | ||||||||||||||||||||||
6 | 自己的現狀 | 晚5年買房，多存2312萬元 | 不買房，退休時多存7437萬元 | |||||||||||||||||||||||
7 | 開始投資年紀 | 30 | 年齡 | 每年投入 | 開支 | 累積資金 | 實存金額 | 累積開支 | 年齡 | 每年投入 | 開支 | 累積資金 | 實存金額 | 累積開支 | 年齡 | 每年投入 | 開支 | 累積資金 | 實存金額 | 累積開支 | ||||||
8 | 初始資金 | 3000000 | ||||||||||||||||||||||||
9 | 每年可投資的資金 | 1390000 | 30 | 3000000 | -3000000 | 0 | 3000000 | -3000000 | 30 | 3000000 | -360000 | 2640000 | 3000000 | -360000 | 30 | 3000000 | -360000 | 2640000 | 3000000 | -360000 | ||||||
10 | 報酬率 | 6.0% | 31 | 1390000 | -1108858 | 281142 | 4390000 | -4108858 | 31 | 1390000 | -360000 | 3828400 | 4390000 | -720000 | 31 | 1390000 | -360000 | 3828400 | 4390000 | -720000 | ||||||
11 | 預計退休年齡 | 65 | 32 | 1390000 | -1108858 | 579152 | 5780000 | -5217717 | 32 | 1390000 | -360000 | 5088104 | 5780000 | -1080000 | 32 | 1390000 | -360000 | 5088104 | 5780000 | -1080000 | ||||||
12 | 33 | 1390000 | -1108858 | 895042 | 7170000 | -6326575 | 33 | 1390000 | -360000 | 6423390 | 7170000 | -1440000 | 33 | 1390000 | -360000 | 6423390 | 7170000 | -1440000 | ||||||||
13 | 買房設定 | 34 | 1390000 | -1108858 | 1229886 | 8560000 | -7435434 | 34 | 1390000 | -360000 | 7838794 | 8560000 | -1800000 | 34 | 1390000 | -360000 | 7838794 | 8560000 | -1800000 | |||||||
14 | 幾歲開始買房 | 30 | 35 | 1390000 | -1108858 | 1584821 | 9950000 | -8544292 | 35 | 1390000 | -3000000 | 6699121 | 9950000 | -4800000 | 35 | 1390000 | -360000 | 9339121 | 9950000 | -2160000 | ||||||
15 | 房價總金額 | 28000000 | 36 | 1390000 | -1108858 | 1961052 | 11340000 | -9653151 | 36 | 1390000 | -1108858 | 7382210 | 11340000 | -5908858 | 36 | 1390000 | -360000 | 10929469 | 11340000 | -2520000 | ||||||
16 | 頭期款(通常是3成) | 3000000 | 37 | 1390000 | -1108858 | 2359857 | 12730000 | -10762009 | 37 | 1390000 | -1108858 | 8106284 | 12730000 | -7017717 | 37 | 1390000 | -360000 | 12615237 | 12730000 | -2880000 | ||||||
17 | 貸款金額 | 25000000 | 38 | 1390000 | -1108858 | 2782590 | 14120000 | -11870867 | 38 | 1390000 | -1108858 | 8873803 | 14120000 | -8126575 | 38 | 1390000 | -360000 | 14402151 | 14120000 | -3240000 | ||||||
18 | 貸款利率 | 2.0% | 39 | 1390000 | -1108858 | 3230687 | 15510000 | -12979726 | 39 | 1390000 | -1108858 | 9687373 | 15510000 | -9235434 | 39 | 1390000 | -360000 | 16296280 | 15510000 | -3600000 | ||||||
19 | 還款年 | 30 | 40 | 1390000 | -1108858 | 3705670 | 16900000 | -14088584 | 40 | 1390000 | -1108858 | 10549757 | 16900000 | -10344292 | 40 | 1390000 | -360000 | 18304057 | 16900000 | -3960000 | ||||||
20 | 每月還款(固定本+息) | $92,405 | 41 | 1390000 | -1108858 | 4209151 | 18290000 | -15197443 | 41 | 1390000 | -1108858 | 11463884 | 18290000 | -11453151 | 41 | 1390000 | -360000 | 20432300 | 18290000 | -4320000 | ||||||
21 | 每年還款 | $1,108,858 | 42 | 1390000 | -1108858 | 4742842 | 19680000 | -16306301 | 42 | 1390000 | -1108858 | 12432858 | 19680000 | -12562009 | 42 | 1390000 | -360000 | 22688238 | 19680000 | -4680000 | ||||||
22 | 注意：房價太高存的錢太少會入不敷出哦 | 43 | 1390000 | -1108858 | 5308554 | 21070000 | -17415159 | 43 | 1390000 | -1108858 | 13459971 | 21070000 | -13670867 | 43 | 1390000 | -360000 | 25079532 | 21070000 | -5040000 | |||||||
23 | 44 | 1390000 | -1108858 | 5908209 | 22460000 | -18524018 | 44 | 1390000 | -1108858 | 14548711 | 22460000 | -14779726 | 44 | 1390000 | -360000 | 27614304 | 22460000 | -5400000 | ||||||||
24 | 晚幾年買房設定 | 45 | 1390000 | -1108858 | 6543843 | 23850000 | -19632876 | 45 | 1390000 | -1108858 | 15702775 | 23850000 | -15888584 | 45 | 1390000 | -360000 | 30301163 | 23850000 | -5760000 | |||||||
25 | 晚幾年買房?(先用租的) | 5 | 46 | 1390000 | -1108858 | 7217615 | 25240000 | -20741735 | 46 | 1390000 | -1108858 | 16926084 | 25240000 | -16997443 | 46 | 1390000 | -360000 | 33149232 | 25240000 | -6120000 | ||||||
26 | 租一個月多少的房子? | 30000 | 47 | 1390000 | -1108858 | 7931814 | 26630000 | -21850593 | 47 | 1390000 | -1108858 | 18222790 | 26630000 | -18106301 | 47 | 1390000 | -360000 | 36168186 | 26630000 | -6480000 | ||||||
27 | 備註：頭幾年先用租房取代買房 | 48 | 1390000 | -1108858 | 8688864 | 28020000 | -22959452 | 48 | 1390000 | -1108858 | 19597299 | 28020000 | -19215159 | 48 | 1390000 | -360000 | 39368277 | 28020000 | -6840000 | |||||||
28 | 49 | 1390000 | -1108858 | 9491337 | 29410000 | -24068310 | 49 | 1390000 | -1108858 | 21054279 | 29410000 | -20324018 | 49 | 1390000 | -360000 | 42760374 | 29410000 | -7200000 | ||||||||
29 | 資料整理：Mr.Market市場先生 | 50 | 1390000 | -1108858 | 10341959 | 30800000 | -25177168 | 50 | 1390000 | -1108858 | 22598677 | 30800000 | -21432876 | 50 | 1390000 | -360000 | 46355997 | 30800000 | -7560000 | |||||||
30 | 部落格 看更多投資好文 | http://www.rich01.com/ | 51 | 1390000 | -1108858 | 11243618 | 32190000 | -26286027 | 51 | 1390000 | -1108858 | 24235739 | 32190000 | -22541735 | 51 | 1390000 | -360000 | 50167356 | 32190000 | -7920000 | ||||||
31 | 追蹤FB粉絲團最新文章 | 粉絲團連結 | 52 | 1390000 | -1108858 | 12199377 | 33580000 | -27394885 | 52 | 1390000 | -1108858 | 25971025 | 33580000 | -23650593 | 52 | 1390000 | -360000 | 54207398 | 33580000 | -8280000 | ||||||
32 | 53 | 1390000 | -1108858 | 13212481 | 34970000 | -28503744 | 53 | 1390000 | -1108858 | 27810428 | 34970000 | -24759452 | 53 | 1390000 | -360000 | 58489842 | 34970000 | -8640000 | ||||||||
33 | 54 | 1390000 | -1108858 | 14286372 | 36360000 | -29612602 | 54 | 1390000 | -1108858 | 29760195 | 36360000 | -25868310 | 54 | 1390000 | -360000 | 63029232 | 36360000 | -9000000 | ||||||||
34 | 提醒幾個實務操作會遇到的問題： | 55 | 1390000 | -1108858 | 15424696 | 37750000 | -30721460 | 55 | 1390000 | -1108858 | 31826949 | 37750000 | -26977168 | 55 | 1390000 | -360000 | 67840986 | 37750000 | -9360000 | |||||||
35 | 1. 實務上資金不可能100%全部都投資在市場中 | 56 | 1390000 | -1108858 | 16631319 | 39140000 | -31830319 | 56 | 1390000 | -1108858 | 34017707 | 39140000 | -28086027 | 56 | 1390000 | -360000 | 72941445 | 39140000 | -9720000 | |||||||
36 | 2. 實務上報酬率每年會高低起伏，不會每年相同 | 57 | 1390000 | -1108858 | 17910340 | 40530000 | -32939177 | 57 | 1390000 | -1108858 | 36339911 | 40530000 | -29194885 | 57 | 1390000 | -360000 | 78347932 | 40530000 | -10080000 | |||||||
37 | 3. 如果初始資金＜頭期款，那結果1上方會算不出來喔 | 58 | 1390000 | -1108858 | 19266102 | 41920000 | -34048036 | 58 | 1390000 | -1108858 | 38801448 | 41920000 | -30303744 | 58 | 1390000 | -360000 | 84078808 | 41920000 | -10440000 | |||||||
38 | 4. 可投資資金，可以用個人或家庭夫妻合計 | 59 | 1390000 | -1108858 | 20703209 | 43310000 | -35156894 | 59 | 1390000 | -1108858 | 41410676 | 43310000 | -31412602 | 59 | 1390000 | -360000 | 90153536 | 43310000 | -10800000 | |||||||
39 | 60 | 1390000 | -1108858 | 22226544 | 44700000 | -36265753 | 60 | 1390000 | -1108858 | 44176458 | 44700000 | -32521460 | 60 | 1390000 | -360000 | 96592748 | 44700000 | -11160000 | ||||||||
40 | 希望這份資料能幫你早日達成財務目標 :) | 61 | 1390000 | 24950136 | 46090000 | -36265753 | 61 | 1390000 | -1108858 | 47108187 | 46090000 | -33630319 | 61 | 1390000 | -360000 | 103418313 | 46090000 | -11520000 | ||||||||
41 | 62 | 1390000 | 27837144 | 47480000 | -36265753 | 62 | 1390000 | -1108858 | 50215820 | 47480000 | -34739177 | 62 | 1390000 | -360000 | 110653412 | 47480000 | -11880000 | |||||||||
42 | 63 | 1390000 | 30897373 | 48870000 | -36265753 | 63 | 1390000 | -1108858 | 53509911 | 48870000 | -35848036 | 63 | 1390000 | -360000 | 118322617 | 48870000 | -12240000 | |||||||||
43 | 64 | 1390000 | 34141215 | 50260000 | -36265753 | 64 | 1390000 | -1108858 | 57001647 | 50260000 | -36956894 | 64 | 1390000 | -360000 | 126451974 | 50260000 | -12600000 | |||||||||
44 | 65 | 1390000 | 37579688 | 51650000 | -36265753 | 65 | 1390000 | -1108858 | 60702887 | 51650000 | -38065753 | 65 | 1390000 | -360000 | 135069092 | 51650000 | -12960000 | |||||||||
45 | 66 | 0 | 39834470 | 51650000 | -36265753 | 66 | 0 | 64345061 | 51650000 | -38065753 | 66 | 0 | -360000 | 142813238 | 51650000 | -13320000 | ||||||||||
46 | 67 | 0 | 42224538 | 51650000 | -36265753 | 67 | 0 | 68205764 | 51650000 | -38065753 | 67 | 0 | -360000 | 151022032 | 51650000 | -13680000 | ||||||||||
47 | 68 | 0 | 44758010 | 51650000 | -36265753 | 68 | 0 | 72298110 | 51650000 | -38065753 | 68 | 0 | -360000 | 159723354 | 51650000 | -14040000 | ||||||||||
48 | 69 | 0 | 47443491 | 51650000 | -36265753 | 69 | 0 | 76635997 | 51650000 | -38065753 | 69 | 0 | -360000 | 168946755 | 51650000 | -14400000 | ||||||||||
49 | 70 | 0 | 50290100 | 51650000 | -36265753 | 70 | 0 | 81234157 | 51650000 | -38065753 | 70 | 0 | -360000 | 178723561 | 51650000 | -14760000 | ||||||||||
50 | 71 | 0 | 53307506 | 51650000 | -36265753 | 71 | 0 | 86108206 | 51650000 | -38065753 | 71 | 0 | -360000 | 189086974 | 51650000 | -15120000 | ||||||||||
51 | 72 | 0 | 56505956 | 51650000 | -36265753 | 72 | 0 | 91274698 | 51650000 | -38065753 | 72 | 0 | -360000 | 200072193 | 51650000 | -15480000 | ||||||||||
52 | 73 | 0 | 59896314 | 51650000 | -36265753 | 73 | 0 | 96751180 | 51650000 | -38065753 | 73 | 0 | -360000 | 211716524 | 51650000 | -15840000 | ||||||||||
53 | 74 | 0 | 63490093 | 51650000 | -36265753 | 74 | 0 | 102556251 | 51650000 | -38065753 | 74 | 0 | -360000 | 224059516 | 51650000 | -16200000 | ||||||||||
54 | 75 | 0 | 67299498 | 51650000 | -36265753 | 75 | 0 | 108709626 | 51650000 | -38065753 | 75 | 0 | -360000 | 237143087 | 51650000 | -16560000 | ||||||||||
55 | 76 | 0 | 71337468 | 51650000 | -36265753 | 76 | 0 | 115232204 | 51650000 | -38065753 | 76 | 0 | -360000 | 251011672 | 51650000 | -16920000 | ||||||||||
56 | 77 | 0 | 75617716 | 51650000 | -36265753 | 77 | 0 | 122146136 | 51650000 | -38065753 | 77 | 0 | -360000 | 265712372 | 51650000 | -17280000 | ||||||||||
57 | 78 | 0 | 80154779 | 51650000 | -36265753 | 78 | 0 | 129474904 | 51650000 | -38065753 | 78 | 0 | -360000 | 281295115 | 51650000 | -17640000 | ||||||||||
58 | 79 | 0 | 84964066 | 51650000 | -36265753 | 79 | 0 | 137243398 | 51650000 | -38065753 | 79 | 0 | -360000 | 297812822 | 51650000 | -18000000 | ||||||||||
59 | 80 | 0 | 90061910 | 51650000 | -36265753 | 80 | 0 | 145478002 | 51650000 | -38065753 | 80 | 0 | -360000 | 315321591 | 51650000 | -18360000 | ||||||||||
60 | 81 | 0 | 95465624 | 51650000 | -36265753 | 81 | 0 | 154206682 | 51650000 | -38065753 | 81 | 0 | -360000 | 333880886 | 51650000 | -18720000 | ||||||||||
61 | 82 | 0 | 101193562 | 51650000 | -36265753 | 82 | 0 | 163459083 | 51650000 | -38065753 | 82 | 0 | -360000 | 353553739 | 51650000 | -19080000 | ||||||||||
62 | 83 | 0 | 107265176 | 51650000 | -36265753 | 83 | 0 | 173266628 | 51650000 | -38065753 | 83 | 0 | -360000 | 374406964 | 51650000 | -19440000 | ||||||||||
63 | 84 | 0 | 113701086 | 51650000 | -36265753 | 84 | 0 | 183662626 | 51650000 | -38065753 | 84 | 0 | -360000 | 396511382 | 51650000 | -19800000 | ||||||||||
64 | 85 | 0 | 120523151 | 51650000 | -36265753 | 85 | 0 | 194682384 | 51650000 | -38065753 | 85 | 0 | -360000 | 419942065 | 51650000 | -20160000 | ||||||||||
65 | 86 | 0 | 127754540 | 51650000 | -36265753 | 86 | 0 | 206363327 | 51650000 | -38065753 | 86 | 0 | -360000 | 444778588 | 51650000 | -20520000 | ||||||||||
66 | 87 | 0 | 135419813 | 51650000 | -36265753 | 87 | 0 | 218745126 | 51650000 | -38065753 | 87 | 0 | -360000 | 471105304 | 51650000 | -20880000 | ||||||||||
67 | 88 | 0 | 143545002 | 51650000 | -36265753 | 88 | 0 | 231869834 | 51650000 | -38065753 | 88 | 0 | -360000 | 499011622 | 51650000 | -21240000 | ||||||||||
68 | 89 | 0 | 152157702 | 51650000 | -36265753 | 89 | 0 | 245782024 | 51650000 | -38065753 | 89 | 0 | -360000 | 528592319 | 51650000 | -21600000 | ||||||||||
69 | 90 | 0 | 161287164 | 51650000 | -36265753 | 90 | 0 | 260528945 | 51650000 | -38065753 | 90 | 0 | -360000 | 559947858 | 51650000 | -21960000 | ||||||||||
70 | 91 | 0 | 170964394 | 51650000 | -36265753 | 91 | 0 | 276160682 | 51650000 | -38065753 | 91 | 0 | -360000 | 593184730 | 51650000 | -22320000 | ||||||||||
71 | 92 | 0 | 181222257 | 51650000 | -36265753 | 92 | 0 | 292730323 | 51650000 | -38065753 | 92 | 0 | -360000 | 628415814 | 51650000 | -22680000 | ||||||||||
72 | 93 | 0 | 192095593 | 51650000 | -36265753 | 93 | 0 | 310294142 | 51650000 | -38065753 | 93 | 0 | -360000 | 665760763 | 51650000 | -23040000 | ||||||||||
73 | 94 | 0 | 203621328 | 51650000 | -36265753 | 94 | 0 | 328911791 | 51650000 | -38065753 | 94 | 0 | -360000 | 705346408 | 51650000 | -23400000 | ||||||||||
74 | 95 | 0 | 215838608 | 51650000 | -36265753 | 95 | 0 | 348646498 | 51650000 | -38065753 | 95 | 0 | -360000 | 747307193 | 51650000 | -23760000 | ||||||||||
75 | 96 | 0 | 228788924 | 51650000 | -36265753 | 96 | 0 | 369565288 | 51650000 | -38065753 | 96 | 0 | -360000 | 791785624 | 51650000 | -24120000 | ||||||||||
76 | 97 | 0 | 242516260 | 51650000 | -36265753 | 97 | 0 | 391739205 | 51650000 | -38065753 | 97 | 0 | -360000 | 838932762 | 51650000 | -24480000 | ||||||||||
77 | 98 | 0 | 257067235 | 51650000 | -36265753 | 98 | 0 | 415243558 | 51650000 | -38065753 | 98 | 0 | -360000 | 888908728 | 51650000 | -24840000 | ||||||||||
78 | 99 | 0 | 272491270 | 51650000 | -36265753 | 99 | 0 | 440158171 | 51650000 | -38065753 | 99 | 0 | -360000 | 941883251 | 51650000 | -25200000 | ||||||||||
79 | 100 | 0 | 288840746 | 51650000 | -36265753 | 100 | 0 | 466567661 | 51650000 | -38065753 | 100 | 0 | -360000 | 998036246 | 51650000 | -25560000 | ||||||||||
80 | 101 | 0 | 306171190 | 51650000 | -36265753 | 101 | 0 | 494561721 | 51650000 | -38065753 | 101 | 0 | -360000 | 1057558421 | 51650000 | -25920000 | ||||||||||
81 | 102 | 0 | 324541462 | 51650000 | -36265753 | 102 | 0 | 524235424 | 51650000 | -38065753 | 102 | 0 | -360000 | 1120651926 | 51650000 | -26280000 | ||||||||||
82 | 103 | 0 | 344013950 | 51650000 | -36265753 | 103 | 0 | 555689550 | 51650000 | -38065753 | 103 | 0 | -360000 | 1187531042 | 51650000 | -26640000 | ||||||||||
83 | 104 | 0 | 364654787 | 51650000 | -36265753 | 104 | 0 | 589030923 | 51650000 | -38065753 | 104 | 0 | -360000 | 1258422905 | 51650000 | -27000000 | ||||||||||
84 | 105 | 0 | 386534074 | 51650000 | -36265753 | 105 | 0 | 624372778 | 51650000 | -38065753 | 105 | 0 | -360000 | 1333568279 | 51650000 | -27360000 | ||||||||||
85 | 106 | 0 | 409726118 | 51650000 | -36265753 | 106 | 0 | 661835145 | 51650000 | -38065753 | 106 | 0 | -360000 | 1413222376 | 51650000 | -27720000 | ||||||||||
86 | 107 | 0 | 434309685 | 51650000 | -36265753 | 107 | 0 | 701545254 | 51650000 | -38065753 | 107 | 0 | -360000 | 1497655718 | 51650000 | -28080000 | ||||||||||
87 | 108 | 0 | 460368266 | 51650000 | -36265753 | 108 | 0 | 743637969 | 51650000 | -38065753 | 108 | 0 | -360000 | 1587155061 | 51650000 | -28440000 | ||||||||||
88 | 109 | 0 | 487990362 | 51650000 | -36265753 | 109 | 0 | 788256247 | 51650000 | -38065753 | 109 | 0 | -360000 | 1682024365 | 51650000 | -28800000 | ||||||||||
89 | 110 | 0 | 517269784 | 51650000 | -36265753 | 110 | 0 | 835551622 | 51650000 | -38065753 | 110 | 0 | -360000 | 1782585827 | 51650000 | -29160000 | ||||||||||
90 | 111 | 0 | 548305971 | 51650000 | -36265753 | 111 | 0 | 885684719 | 51650000 | -38065753 | 111 | 0 | -360000 | 1889180976 | 51650000 | -29520000 | ||||||||||
91 | 112 | 0 | 581204329 | 51650000 | -36265753 | 112 | 0 | 938825802 | 51650000 | -38065753 | 112 | 0 | -360000 | 2002171835 | 51650000 | -29880000 | ||||||||||
92 | 113 | 0 | 616076589 | 51650000 | -36265753 | 113 | 0 | 995155350 | 51650000 | -38065753 | 113 | 0 | -360000 | 2121942145 | 51650000 | -30240000 | ||||||||||
93 | 114 | 0 | 653041185 | 51650000 | -36265753 | 114 | 0 | 1054864671 | 51650000 | -38065753 | 114 | 0 | -360000 | 2248898674 | 51650000 | -30600000 | ||||||||||
94 | 115 | 0 | 692223656 | 51650000 | -36265753 | 115 | 0 | 1118156552 | 51650000 | -38065753 | 115 | 0 | -360000 | 2383472594 | 51650000 | -30960000 | ||||||||||
95 | 116 | 0 | 733757075 | 51650000 | -36265753 | 116 | 0 | 1185245945 | 51650000 | -38065753 | 116 | 0 | -360000 | 2526120950 | 51650000 | -31320000 | ||||||||||
96 | 117 | 0 | 777782500 | 51650000 | -36265753 | 117 | 0 | 1256360701 | 51650000 | -38065753 | 117 | 0 | -360000 | 2677328207 | 51650000 | -31680000 | ||||||||||
97 | 118 | 0 | 824449449 | 51650000 | -36265753 | 118 | 0 | 1331742343 | 51650000 | -38065753 | 118 | 0 | -360000 | 2837607899 | 51650000 | -32040000 | ||||||||||
98 | 119 | 0 | 873916416 | 51650000 | -36265753 | 119 | 0 | 1411646884 | 51650000 | -38065753 | 119 | 0 | -360000 | 3007504373 | 51650000 | -32400000 | ||||||||||
99 | 120 | 0 | 926351401 | 51650000 | -36265753 | 120 | 0 | 1496345697 | 51650000 | -38065753 | 120 | 0 | -360000 | 3187594636 | 51650000 | -32760000 | ||||||||||
100 | 121 | 0 | 981932486 | 51650000 | -36265753 | 121 | 0 | 1586126439 | 51650000 | -38065753 | 121 | 0 | -360000 | 3378490314 | 51650000 | -33120000 | ||||||||||