老後いくら必要か？

前回老後の生活費はどれぐらい必要？？で、老後いくらぐらい必要かを計算してみました。夫婦二人で豊かな老後を送るためには年間約500万ぐらいあると良さそうというのが前回の結論です。では、年金がもらえる前提で、いくらぐらい資産があるといいのかをざっくり計算してみました。

結論は6500万ぐらい？？
考察

結論は6500万ぐらい？？

前提は、

年金：15万/月で180万/年、６５歳から受給開始

金融資産：年間毎年4%の成長もしくはリターン

があることとします。

そうすると、年金以外に５００万ー１８０万＝３２０万が資産の取り崩しで必要となります。その３２０万を年初に取り崩し、年初の残高から引きます（下記②）

②に対してて4%のリターンもしくは成長（③）を考慮し、年末残高④（②＋③）となります。

④が翌年の①となり、それを１００歳まで続けた結果が下記の表です。

年齢	①年初残高	②取崩御残高	③リターン金額	④年末残高
65	¥65,000,000	¥61,800,000	¥2,472,000	¥64,272,000
66	¥64,272,000	¥61,072,000	¥2,442,880	¥63,514,880
67	¥63,514,880	¥60,314,880	¥2,412,595	¥62,727,475
68	¥62,727,475	¥59,527,475	¥2,381,099	¥61,908,574
69	¥61,908,574	¥58,708,574	¥2,348,343	¥61,056,917
70	¥61,056,917	¥57,856,917	¥2,314,277	¥60,171,194
71	¥60,171,194	¥56,971,194	¥2,278,848	¥59,250,042
72	¥59,250,042	¥56,050,042	¥2,242,002	¥58,292,043
73	¥58,292,043	¥55,092,043	¥2,203,682	¥57,295,725
74	¥57,295,725	¥54,095,725	¥2,163,829	¥56,259,554
75	¥56,259,554	¥53,059,554	¥2,122,382	¥55,181,936
76	¥55,181,936	¥51,981,936	¥2,079,277	¥54,061,214
77	¥54,061,214	¥50,861,214	¥2,034,449	¥52,895,662
78	¥52,895,662	¥49,695,662	¥1,987,826	¥51,683,489
79	¥51,683,489	¥48,483,489	¥1,939,340	¥50,422,828
80	¥50,422,828	¥47,222,828	¥1,888,913	¥49,111,741
81	¥49,111,741	¥45,911,741	¥1,836,470	¥47,748,211
82	¥47,748,211	¥44,548,211	¥1,781,928	¥46,330,139
83	¥46,330,139	¥43,130,139	¥1,725,206	¥44,855,345
84	¥44,855,345	¥41,655,345	¥1,666,214	¥43,321,559
85	¥43,321,559	¥40,121,559	¥1,604,862	¥41,726,421
86	¥41,726,421	¥38,526,421	¥1,541,057	¥40,067,478
87	¥40,067,478	¥36,867,478	¥1,474,699	¥38,342,177
88	¥38,342,177	¥35,142,177	¥1,405,687	¥36,547,864
89	¥36,547,864	¥33,347,864	¥1,333,915	¥34,681,779
90	¥34,681,779	¥31,481,779	¥1,259,271	¥32,741,050
91	¥32,741,050	¥29,541,050	¥1,181,642	¥30,722,692
92	¥30,722,692	¥27,522,692	¥1,100,908	¥28,623,600
93	¥28,623,600	¥25,423,600	¥1,016,944	¥26,440,544
94	¥26,440,544	¥23,240,544	¥929,622	¥24,170,165
95	¥24,170,165	¥20,970,165	¥838,807	¥21,808,972
96	¥21,808,972	¥18,608,972	¥744,359	¥19,353,331
97	¥19,353,331	¥16,153,331	¥646,133	¥16,799,464
98	¥16,799,464	¥13,599,464	¥543,979	¥14,143,443
99	¥14,143,443	¥10,943,443	¥437,738	¥11,381,180
100	¥11,381,180	¥8,181,180	¥327,247	¥8,508,428

100歳まで生きたとしても、葬式代ぐらいは出そうです(笑)。ちなみに6000万だと下記で少し足りなくなります。

	①年初残高	②取崩御残高	③リターン金額	④年末残高
65	¥60,000,000	¥56,800,000	¥2,272,000	¥59,072,000
66	¥59,072,000	¥55,872,000	¥2,234,880	¥58,106,880
67	¥58,106,880	¥54,906,880	¥2,196,275	¥57,103,155
68	¥57,103,155	¥53,903,155	¥2,156,126	¥56,059,281
69	¥56,059,281	¥52,859,281	¥2,114,371	¥54,973,653
70	¥54,973,653	¥51,773,653	¥2,070,946	¥53,844,599
71	¥53,844,599	¥50,644,599	¥2,025,784	¥52,670,383
72	¥52,670,383	¥49,470,383	¥1,978,815	¥51,449,198
73	¥51,449,198	¥48,249,198	¥1,929,968	¥50,179,166
74	¥50,179,166	¥46,979,166	¥1,879,167	¥48,858,333
75	¥48,858,333	¥45,658,333	¥1,826,333	¥47,484,666
76	¥47,484,666	¥44,284,666	¥1,771,387	¥46,056,053
77	¥46,056,053	¥42,856,053	¥1,714,242	¥44,570,295
78	¥44,570,295	¥41,370,295	¥1,654,812	¥43,025,106
79	¥43,025,106	¥39,825,106	¥1,593,004	¥41,418,111
80	¥41,418,111	¥38,218,111	¥1,528,724	¥39,746,835
81	¥39,746,835	¥36,546,835	¥1,461,873	¥38,008,709
82	¥38,008,709	¥34,808,709	¥1,392,348	¥36,201,057
83	¥36,201,057	¥33,001,057	¥1,320,042	¥34,321,099
84	¥34,321,099	¥31,121,099	¥1,244,844	¥32,365,943
85	¥32,365,943	¥29,165,943	¥1,166,638	¥30,332,581
86	¥30,332,581	¥27,132,581	¥1,085,303	¥28,217,884
87	¥28,217,884	¥25,017,884	¥1,000,715	¥26,018,599
88	¥26,018,599	¥22,818,599	¥912,744	¥23,731,343
89	¥23,731,343	¥20,531,343	¥821,254	¥21,352,597
90	¥21,352,597	¥18,152,597	¥726,104	¥18,878,701
91	¥18,878,701	¥15,678,701	¥627,148	¥16,305,849
92	¥16,305,849	¥13,105,849	¥524,234	¥13,630,083
93	¥13,630,083	¥10,430,083	¥417,203	¥10,847,286
94	¥10,847,286	¥7,647,286	¥305,891	¥7,953,178
95	¥7,953,178	¥4,753,178	¥190,127	¥4,943,305
96	¥4,943,305	¥1,743,305	¥69,732	¥1,813,037
97	¥1,813,037	¥-1,386,963
98
99
100