y 25 Plan 1 akan dihitung Br dengan career average 10% dari gaji

x 44 Usia SSx Ssy (I+P+I)^(x-y) sx

r 56 25 1.575 1.575 Rp 15,000,000.00
i 6% 26 1.72 1.575 1.0005 Rp 16,389,142.86
I 0.04% 27 1.877 1.575 1.00100025 Rp 17,894,071.14
P 0.01% 28 2.045 1.575 1.00150075 Rp 19,505,419.37
s25 15000000 29 2.227 1.575 1.002001501 Rp 21,251,974.68
k1 10% 30 2.423 1.575 1.002502501 Rp 23,133,938.67
k2 15% 31 2.633 1.575 1.003003753 Rp 25,151,513.15
n 5 32 2.858 1.575 1.003505254 Rp 27,314,457.30
33 3.1 1.575 1.004007007 Rp 29,642,111.64
34 3.36 1.575 1.004509011 Rp 32,144,288.34
35 3.637 1.575 1.005011265 Rp 34,811,675.91
36 3.933 1.575 1.005513771 Rp 37,663,672.95
37 4.25 1.575 1.006016528 Rp 40,719,716.59
38 4.587 1.575 1.006519536 Rp 43,970,524.86
39 4.947 1.575 1.007022796 Rp 47,445,159.71
40 5.329 1.575 1.007526307 Rp 51,134,358.95
41 5.735 1.575 1.00803007 Rp 55,057,642.40
42 6.167 1.575 1.008534085 Rp 59,234,568.60
43 6.624 1.575 1.009038352 Rp 63,655,905.19
44 7.108 1.575 1.009542871 Rp 68,341,245.04
45 7.620 1.575 1.010047643 Rp 73,300,600.36
46 8.161 1.575 1.010552667 Rp 78,544,002.97
47 8.732 1.575 1.011057943 Rp 84,081,504.36
48 9.334 1.575 1.011563472 Rp 89,923,175.69
49 9.967 1.575 1.012069254 Rp 96,069,469.06
50 10.633 1.575 1.012575288 Rp 102,540,124.19
51 11.332 1.575 1.013081576 Rp 109,335,623.03
52 12.065 1.575 1.013588117 Rp 116,466,101.22
53 12.833 1.575 1.014094911 Rp 123,941,714.19
54 13.637 1.575 1.014601958 Rp 131,772,637.19
55 14.476 1.575 1.015109259 Rp 139,949,729.87
56 1.015616814
 Plan 2 15% dari 5 tahun gaji terakhir
Usia SSx Ssy (I+P+I)^(x-y) Sx Usia SSx
51 11.332 1.575 1.013081576 Rp 109,335,623 25 1.575
52 12.065 1.575 1.013588117 Rp 116,466,101 26 1.72
53 12.833 1.575 1.014094911 Rp 123,941,714 27 1.877
54 13.637 1.575 1.014601958 Rp 131,772,637 28 2.045
55 14.476 1.575 1.015109259 Rp 139,949,730 29 2.227
Average Sx Rp 124,293,161 30 2.423
Br Rp 577,963,199 31 2.633
32 2.858
33 3.1
34 3.36
35 3.637
36 3.933
37 4.25
38 4.587
39 4.947
40 5.329
41 5.735
42 6.167
43 6.624
44 7.108
45 7.620
46 8.161
47 8.732
48 9.334
49 9.967
50 10.633
51 11.332
52 12.065
53 12.833
54 13.637
55 14.476
56
 Sx 10%
Ssy (I+P+I)^(x-y) Estimasi sx Sx Bx=k*Sx
1.575 1 Rp 15,000,000 -
1.575 1.0005 Rp 16,389,143 Rp 15,000,000 Rp 1,500,000
1.575 1.00100025 Rp 17,894,071 Rp 31,389,143 Rp 3,138,914
1.575 1.00150075 Rp 19,505,419 Rp 49,283,214 Rp 4,928,321
1.575 1.002001501 Rp 21,251,975 Rp 68,788,633 Rp 6,878,863
1.575 1.002502501 Rp 23,133,939 Rp 90,040,608 Rp 9,004,061
1.575 1.003003753 Rp 25,151,513 Rp 113,174,547 Rp 11,317,455
1.575 1.003505254 Rp 27,314,457 Rp 138,326,060 Rp 13,832,606
1.575 1.004007007 Rp 29,642,112 Rp 165,640,517 Rp 16,564,052
1.575 1.004509011 Rp 32,144,288 Rp 195,282,629 Rp 19,528,263
1.575 1.005011265 Rp 34,811,676 Rp 227,426,917 Rp 22,742,692
1.575 1.005513771 Rp 37,663,673 Rp 262,238,593 Rp 26,223,859
1.575 1.006016528 Rp 40,719,717 Rp 299,902,266 Rp 29,990,227
1.575 1.006519536 Rp 43,970,525 Rp 340,621,983 Rp 34,062,198
1.575 1.007022796 Rp 47,445,160 Rp 384,592,507 Rp 38,459,251
1.575 1.007526307 Rp 51,134,359 Rp 432,037,667 Rp 43,203,767
1.575 1.00803007 Rp 55,057,642 Rp 483,172,026 Rp 48,317,203
1.575 1.008534085 Rp 59,234,569 Rp 538,229,669 Rp 53,822,967
1.575 1.009038352 Rp 63,655,905 Rp 597,464,237 Rp 59,746,424
1.575 1.009542871 Rp 68,341,245 Rp 661,120,142 Rp 66,112,014
1.575 1.010047643 Rp 73,300,600 Rp 729,461,387 Rp 72,946,139
1.575 1.010552667 Rp 78,544,003 Rp 802,761,988 Rp 80,276,199
1.575 1.011057943 Rp 84,081,504 Rp 881,305,991 Rp 88,130,599
1.575 1.011563472 Rp 89,923,176 Rp 965,387,495 Rp 96,538,750
1.575 1.012069254 Rp 96,069,469 Rp 1,055,310,671 Rp 105,531,067
1.575 1.012575288 Rp 102,540,124 Rp 1,151,380,140 Rp 115,138,014
1.575 1.013081576 Rp 109,335,623 Rp 1,253,920,264 Rp 125,392,026
1.575 1.013588117 Rp 116,466,101 Rp 1,363,255,887 Rp 136,325,589
1.575 1.014094911 Rp 123,941,714 Rp 1,479,721,988 Rp 147,972,199
1.575 1.014601958 Rp 131,772,637 Rp 1,603,663,702 Rp 160,366,370
1.575 1.015109259 Rp 139,949,730 Rp 1,735,436,340 Rp 173,543,634
1.575 1.015616814 Rp 1,875,386,069 Rp 187,538,607
10% 15%
bx Bx= (x-y)*(k/n)*(Sx-Sx-n) bx
Rp 1,500,000 Rp 25 Rp 2,250,000
Rp 1,638,914 Rp 26 Rp 2,250,000 Rp 2,458,371
Rp 1,789,407 Rp 27 Rp 4,708,371 Rp 2,684,111
Rp 1,950,542 Rp 28 Rp 7,392,482 Rp 2,925,813
Rp 2,125,197 Rp 29 Rp 10,318,295 Rp 3,187,796
Rp 2,313,394 Rp 30 Rp 13,506,091 Rp 4,165,327
Rp 2,515,151 Rp 31 Rp 17,671,418 Rp 4,785,334
Rp 2,731,446 Rp 32 Rp 22,456,753 Rp 5,469,000
Rp 2,964,211 Rp 33 Rp 27,925,753 Rp 6,227,626
Rp 3,214,429 Rp 34 Rp 34,153,379 Rp 7,062,514
Rp 3,481,168 Rp 35 Rp 41,215,893 Rp 7,975,243
Rp 3,766,367 Rp 36 Rp 49,191,135 Rp 8,976,299
Rp 4,071,972 Rp 37 Rp 58,167,434 Rp 10,075,337
Rp 4,397,052 Rp 38 Rp 68,242,772 Rp 11,267,378
Rp 4,744,516 Rp 39 Rp 79,510,149 Rp 12,564,688
Rp 5,113,436 Rp 40 Rp 92,074,838 Rp 13,973,210
Rp 5,505,764 Rp 41 Rp 106,048,048 Rp 15,498,927
Rp 5,923,457 Rp 42 Rp 121,546,975 Rp 17,147,842
Rp 6,365,591 Rp 43 Rp 138,694,817 Rp 18,925,934
Rp 6,834,125 Rp 44 Rp 157,620,752 Rp 20,833,480
Rp 7,330,060 Rp 45 Rp 178,454,232 Rp 22,887,444
Rp 7,854,400 Rp 46 Rp 201,341,676 Rp 25,088,697
Rp 8,408,150 Rp 47 Rp 226,430,373 Rp 27,436,675
Rp 8,992,318 Rp 48 Rp 253,867,048 Rp 29,950,132
Rp 9,606,947 Rp 49 Rp 283,817,180 Rp 32,621,884
Rp 10,254,012 Rp 50 Rp 316,439,064 Rp 35,464,391
Rp 10,933,562 Rp 51 Rp 351,903,455 Rp 38,475,961
Rp 11,646,610 Rp 52 Rp 390,379,416 Rp 41,661,558
Rp 12,394,171 Rp 53 Rp 432,040,974 Rp 45,026,163
Rp 13,177,264 Rp 54 Rp 477,067,138 Rp 48,583,442
Rp 13,994,973 Rp 55 Rp 525,650,580 Rp 52,312,619
Rp 187,538,607 Rp 56 Rp 577,963,199
 y 25 Prospektif (Dengan menggunakan k=15%
x 44 (PVFB)x
r 56 r Br a56 v^(56-x)
i 6% 56 Rp 577,963,199.12 12.06 0.4969694
I 0.04%
P 0.01% (P
s25 Rp 15,000,000.00 t bt a56 v^(r-t)
k1 10% 44 Rp 20,833,480.25 0.4969694
k2 15% 45 Rp 22,887,443.70 0.5267875
n 5 46 Rp 25,088,696.83 0.5583948
a56 12.06 47 Rp 27,436,675.34 0.5918985
48 Rp 29,950,132.50 0.6274124
49 Rp 32,621,883.86 0.6650571
12.06
50 Rp 35,464,391.16 0.7049605
51 Rp 38,475,960.54 0.7472582
52 Rp 41,661,558.25 0.7920937
53 Rp 45,026,163.30 0.8396193
54 Rp 48,583,442.26 0.8899964
55 Rp 52,312,619.27 0.9433962

(PVFB)44 - (PVFNC)44
(AL)pros
Rp 551,780,361.29
(AVFNC)44
(AL)retros
Rp 453,629,631.38
SL56 (AL)pros-(AL)retros
Rp 98,150,729.90
Dengan menggunakan k=15%)
(PVFB)x
l 56 l44 (56-x)P(x) (PVFB)x
30960 53006 0.5840848 Rp 2,023,266,219.98

(PVFNC)x
lt l 56 (r-t)Pt NCt v^(t-x) (t-x)Px PVFNC
53006 0.5840848 Rp 72,931,420.01 1 1 Rp 72,931,420.01
50499 0.6130814 Rp 89,145,259.33 0.9433962 0.9527034675 Rp 80,121,695.92
48145 0.6430574 Rp 108,646,694.97 0.8899964 0.9082934007 Rp 87,827,586.38
45926 0.6741279 Rp 132,028,696.39 0.8396193 0.8664302154 Rp 96,047,115.95
43818 0.7065589 Rp 160,120,720.14 0.7920937 0.8266611327 Rp 104,845,933.88
41808 0.7405281 Rp 193,756,752.98 0.7472582 0.7887408973 Rp 114,198,889.75
30960
39884 0.7762511 Rp 234,049,042.68 0.7049605 0.7524431196 Rp 124,149,608.07
38039 0.8139015 Rp 282,214,492.86 0.6650571 0.7176357394 Rp 134,692,159.21
36270 0.853598 Rp 339,713,458.59 0.6274124 0.684262159 Rp 145,843,928.50
34570 0.8955742 Rp 408,315,838.58 0.5918985 0.6521903181 Rp 157,622,345.77
39242 0.7889506 Rp 411,408,895.99 0.5583948 0.7403312833 Rp 170,075,253.47
31383 0.9865214 Rp 587,157,216.90 0.5267875 0.5920650492 Rp 183,129,921.80
(PVFNC)44 Rp 1,471,485,858.70
Retrospektif (Dengan menggunakan k=10%)
t bt a56 v^(r-t) lt l 56 (r-t)Pt
25 Rp 1,500,000 0.1642548 309132 0.1001514
26 Rp 1,638,914 0.1741101 258938 0.1195653
27 Rp 1,789,407 0.1845567 220251 0.1405669
28 Rp 1,950,542 0.1956301 189999 0.1629482
29 Rp 2,125,197 0.207368 166004 0.1865015
30 Rp 2,313,394 0.21981 146724 0.2110084
31 Rp 2,515,151 0.2329986 131027 0.2362872
32 Rp 2,731,446 0.2469785 118116 0.2621152
33 Rp 2,964,211 0.2617973 107392 0.2882896
34 Rp 3,214,429 0.2775051 98375 0.3147141
35 Rp 3,481,168 12.06 0.2941554 90727 30960 0.3412435
36 Rp 3,766,367 0.3118047 84176 0.3678008
37 Rp 4,071,972 0.330513 78503 0.3943798
38 Rp 4,397,052 0.3503438 73543 0.4209782
39 Rp 4,744,516 0.3713644 69169 0.4475994
40 Rp 13,973,210 0.3936463 65276 0.4742938
41 Rp 15,498,927 0.4172651 61777 0.5011574
42 Rp 17,147,842 0.442301 58605 0.5282826
43 Rp 18,925,934 0.468839 55695 0.5558847
44 Rp 20,833,480 0.4969694 53006 0.5840848
Dengan menggunakan k=10%)
NCt (1+i)^(x-t) (x-t)Pt 1/(x-t)Pt AVPNC
Rp 297,586.85 3.0255995 0.1714672 5.8320190167 Rp 5,251,025.21
Rp 411,464.86 2.8543392 0.2047054 4.8850696148 Rp 5,737,320.16
Rp 559,847.11 2.6927728 0.2406618 4.1552088443 Rp 6,264,147.91
Rp 749,873.51 2.5403517 0.2789804 3.5844810022 Rp 6,828,229.93
Rp 991,221.32 2.3965582 0.3193056 3.1317964004 Rp 7,439,643.66
Rp 1,294,029.52 2.260904 0.3612633 2.7680639928 Rp 8,098,459.68
Rp 1,669,955.69 2.1329283 0.4045426 2.4719277063 Rp 8,804,748.64
Rp 2,132,511.29 2.0121965 0.4487622 2.2283515074 Rp 9,561,926.93
Rp 2,698,053.56 1.8982986 0.4935749 2.0260347885 Rp 10,376,765.03
Rp 3,385,620.64 1.7908477 0.5388158 1.8559219711 Rp 11,252,697.90
Rp 4,214,183.77 1.689479 0.5842362 1.7116364185 Rp 12,186,465.86
Rp 5,209,131.73 1.5938481 0.6297044 1.5880466362 Rp 13,184,859.75
Rp 6,401,110.33 1.5036303 0.6752099 1.4810210165 Rp 14,254,683.90
Rp 7,821,012.73 1.4185191 0.7207484 1.3874467041 Rp 15,392,688.98
Rp 9,511,060.98 1.3382256 0.766326 1.304927744 Rp 16,609,048.65
Rp 31,462,778.95 1.262477 0.8120289 1.2314832283 Rp 48,915,786.59
Rp 39,087,249.48 1.191016 0.8580216 1.1654718334 Rp 54,256,839.06
Rp 48,321,560.75 1.1236 0.9044621 1.1056295514 Rp 60,029,167.68
Rp 59,485,776.36 1.06 0.9517192 1.050730106 Rp 66,253,705.87
Rp 72,931,420.01 1 1 1 Rp 72,931,420.01
(AVPNC)44 Rp 453,629,631.38
y 25 Titik (r-y) | (x-y) Besar Accrued (B)
x 44 r 56 31 Rp 577,963,199.12 Br
r 56 z 39 14 Rp 38,459,250.75 Bz
i 6% Rp 539,503,948.37 Br - Bz
I 0.04% Rp 0.0713 Cn
P 0.01%
s25 $ 15,000,000 (NC44)r
k1 10% b44T Rp 20,833,480.25
k2 15% a56 12.06
n 5 v^(56-44) 0.496969363577001
a56 12.06 l56 30960
l44 53006
12p44 0.584084820586349
(NC44)r Rp 72,931,420.01
SCn56r 5199012.49646569
b44T Rp 22,318,622.37
NC44T(r) Rp 78,130,432.51