Excel モデル: 退職貯蓄計算機

タイトル： Retirement Savings Calculator

説明：

This spreadsheet helps individuals calculate and plan their retirement savings. It includes sections for personal information, current savings, annual contributions, and the expected rate of return. The template provides a detailed year-by-year breakdown of the projected growth of retirement savings, helping users understand how their investments will grow over time.

Personal Information:
- Collects basic details such as current age and retirement age.
Current Savings:
- Details the present value of current savings.
Annual Contributions:
- Tracks yearly contributions to the retirement savings.
Expected Rate of Return:
- Input the annual expected rate of return on investments.
Year-by-Year Breakdown:
- Projects the growth of savings each year, including cumulative payments, interest earned, and total balance.

アドバイス/ヒント:

Personal Information:
- Ensure your current age and planned retirement age are accurate to get a precise projection.
Current Savings:
- Regularly update the present value of your savings to reflect any changes.
Annual Contributions:
- Plan your annual contributions carefully to meet your retirement goals.
Expected Rate of Return:
- Be realistic about the expected rate of return to avoid overestimating growth.
Year-by-Year Breakdown:
- Review the year-by-year projections to understand the impact of contributions and returns on your savings.

ソース： カスタム計算機

次のアイコンをクリックすると、新しいタブで完全なワークブックビューアーが開き、簡単に編集して保存できるようになります。

次のアイコンをクリックするとスプレッドシートがダウンロードされ、編集内容とともにファイルをコンピューターに保存できます。

計算機の使用例:

スプレッドシートの使用の詳細な例: ユーザーが完了するタスク:

Personal Information Section:
- Enter your current age and retirement age.
  - 例の値:
    - Current Age: 35
    - Retirement Age: 65
Current Savings:
- Input the present value of your savings.
  - 例の値:
    - Present Value: $10,000
Annual Contributions:
- Enter your planned annual contributions.
  - 例の値:
    - Annual Contribution: $2,000
Expected Rate of Return:
- Input the expected annual rate of return.
  - 例の値:
    - Expected Rate of Return: 6%
Year-by-Year Breakdown:
- Review the projected growth of your savings.
  - 例の値:
    - Year 1: Age 35, Invested Payment: $12,000, Interest: $600, Balance: $12,600
    - Year 2: Age 36, Invested Payment: $14,000, Interest: $756, Balance: $15,356

インタラクティブ計算機が便利な理由:

This spreadsheet provides a comprehensive view of retirement savings growth, helping users plan and make informed decisions about their investments. By offering a detailed breakdown, it allows users to see the long-term impact of their savings and contributions, ensuring they are on track to meet their retirement goals.

ソース： カスタムスプレッドシート

結論：

The Retirement Savings Calculator is a vital tool for planning and understanding retirement savings. By providing a detailed and organized approach to projecting the growth of savings, it helps users ensure they are on track to meet their retirement goals. Regular updates and reviews ensure that the projections remain accurate and aligned with current financial conditions.