Excel 모델: 조기 은퇴 예산
제목: Early Retirement Budget
설명:
This spreadsheet is designed to help individuals plan and manage their budget for early retirement. It includes sections for age details, retirement income sources, housing costs, personal expenses, daily living expenses, medical expenses, and a summary of annual income requirements and shortfalls.
- Age Details:
- Age Today: Current age of the individual.
- Years to Retirement: The number of years until the planned retirement age.
- Age at Retirement: Age at which the individual plans to retire.
- Retirement Income Sources:
- Social Security Income: Weekly, bi-weekly, monthly, quarterly, and annual projections.
- Company Pensions: Various frequencies of income.
- Rental Income, Shares/Investments Income, Annuity Income, Other Retirement Plans: Income from different sources.
- Housing Costs:
- Mortgage or Rent, Real Estate Taxes, Maintenance and Repair, Home Insurance: Costs related to housing.
- Mortgage or Rent, Real Estate Taxes, Maintenance and Repair, Home Insurance: Costs related to housing.
- Personal Expenses:
- Grooming, Clothing, Holidays, Other, Auto Expense, Auto Insurance: Regular personal expenses.
- Grooming, Clothing, Holidays, Other, Auto Expense, Auto Insurance: Regular personal expenses.
- Daily Living Expenses:
- Groceries, Entertainment, Utilities, Telephone: Essential living costs.
- Groceries, Entertainment, Utilities, Telephone: Essential living costs.
- Medical Expenses:
- Prescription Drugs, Medical Insurance: Healthcare-related expenses.
- Prescription Drugs, Medical Insurance: Healthcare-related expenses.
- 요약:
- Annual Retirement Income Required, Estimated Soc. Sec., Pension, and Other Income, Annual Income Shortfall: Comprehensive summary of income and expenses.
- Age Details:
- Accurately input your current age and retirement plans to get a realistic view of your retirement timeline.
- Accurately input your current age and retirement plans to get a realistic view of your retirement timeline.
- Retirement Income Sources:
- Ensure all sources of income are accounted for to have a complete picture of your retirement finances.
- Ensure all sources of income are accounted for to have a complete picture of your retirement finances.
- Housing Costs:
- Include all possible housing-related expenses to avoid underestimating costs.
- Include all possible housing-related expenses to avoid underestimating costs.
- Personal Expenses:
- Regularly update personal expenses to reflect lifestyle changes.
- Regularly update personal expenses to reflect lifestyle changes.
- Daily Living Expenses:
- Track daily living costs meticulously for an accurate budget.
- Track daily living costs meticulously for an accurate budget.
- Medical Expenses:
- Consider potential increases in healthcare costs over time.
- Consider potential increases in healthcare costs over time.
- 요약:
- Review the summary section to understand your annual income needs and any potential shortfall.
원천: 사용자 정의 계산기
다음 아이콘을 클릭하면 새 탭에서 전체 통합 문서 뷰어가 열려 쉽게 편집하고 저장할 수 있습니다.
다음 아이콘을 클릭하면 스프레드시트를 다운로드할 수 있으며, 편집한 내용을 컴퓨터에 저장할 수 있습니다.
스프레드시트 사용의 자세한 예: 사용자가 완료해야 할 작업:
- Age Details Section:
- Enter your current age and planned retirement age.
- 예시 값:
- Age Today: 25
- Years to Retirement: 25
- Age at Retirement: 50
- 예시 값:
- Enter your current age and planned retirement age.
- Retirement Income Sources:
- Input income from various sources such as social security, company pensions, and investments.
- 예시 값:
- Social Security Income (Monthly): $5,000
- Company Pensions (Annual): $10,000
- 예시 값:
- Input income from various sources such as social security, company pensions, and investments.
- Housing Costs:
- Enter details of housing-related expenses.
- 예시 값:
- Mortgage or Rent (Monthly): $195
- Maintenance and Repair (Quarterly): $120
- 예시 값:
- Enter details of housing-related expenses.
- Personal Expenses:
- Input regular personal expenses.
- 예시 값:
- Grooming (Weekly): $30
- Clothing (Monthly): $150
- 예시 값:
- Input regular personal expenses.
- Daily Living Expenses:
- Enter costs for daily living needs.
- 예시 값:
- Groceries (Weekly): $50
- Utilities (Monthly): $120
- 예시 값:
- Enter costs for daily living needs.
- Medical Expenses:
- Input healthcare-related costs.
- 예시 값:
- Prescription Drugs (Monthly): $50
- Medical Insurance (Monthly): $100
- 예시 값:
- Input healthcare-related costs.
- 요약:
- Review the summary to understand the total annual income required and any shortfalls.
- 예시 값:
- Annual Retirement Income Required: $21,260
- Estimated Soc. Sec., Pension, and Other Income: $180,000
- Annual Income Shortfall: $158,740
- 예시 값:
- Review the summary to understand the total annual income required and any shortfalls.
This spreadsheet consolidates all retirement-related financial information in one place, making it easier to plan for early retirement. By providing a clear view of income sources and expenses, it helps users ensure they are financially prepared for retirement.
원천: 사용자 정의 스프레드시트
The Early Retirement Budget is an essential tool for planning and managing finances for early retirement. By providing a detailed and organized approach to budgeting, it helps users ensure they are financially prepared and can maintain their desired lifestyle during retirement. Regular updates and reviews ensure that the budget remains accurate and aligned with current financial conditions.
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