* 輸入預估數字 *

財務自由預估

年齡： 32
初始年份： 2023

生活開銷/月： $2,000.00 初始投資： $10,000.00

通貨膨脹率/年： 4% 每月追加投資： $1,000.00
全球通膨率參考 預估年利息/回報： 10%
年度派息次數： 1

財務自由
$250,000

$200,000

$150,000

$100,000

$50,000

$0
23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53
20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20

年份
 財務自由年份 #NAME?

年齡 年度 年份
32 0 2023
33 1 2024
34 2 2025
35 3 2026
36 4 2027
37 5 2028
38 6 2029
39 7 2030
40 8 2031
41 9 2032
42 10 2033
43 11 2034
44 12 2035
45 13 2036
46 14 2037
47 15 2038
48 16 2039
生活開銷 49 17 2040
投資回報 50 18 2041
51 19 2042
52 20 2043
53 21 2044
54 22 2045
55 23 2046
56 24 2047
57 25 2048
58 26 2049
6 47 48 49 50 51 52 53 59 27 2050
20 20 20 20 20 20 20 60 28 2051
61 29 2052
62 30 2053
 年齡 #NAME?

生活開銷 投資價值 投資回報 財務自由了嗎？

$24,000.00 $10,000.00 0 No
$24,960.00 $23,000.00 $2,300.00 No
$25,958.40 $37,300.00 $3,730.00 No
$26,996.74 $53,030.00 $5,303.00 No
$28,076.61 $70,333.00 $7,033.30 No
$29,199.67 $89,366.30 $8,936.63 No
$30,367.66 $110,302.93 $11,030.29 No
$31,582.36 $133,333.22 $13,333.32 No
$32,845.66 $158,666.55 $15,866.65 No
$34,159.48 $186,533.20 $18,653.32 No
$35,525.86 $217,186.52 $21,718.65 No
$36,946.90 $250,905.17 $25,090.52 No
$38,424.77 $287,995.69 $28,799.57 No
$39,961.76 $328,795.26 $32,879.53 No
$41,560.23 $373,674.78 $37,367.48 No
$43,222.64 $423,042.26 $42,304.23 No
$44,951.55 $477,346.49 $47,734.65 YES!!
$46,749.61 $537,081.14 $53,708.11 YES!!
$48,619.60 $602,789.25 $60,278.93 YES!!
$50,564.38 $675,068.18 $67,506.82 YES!!
$52,586.96 $754,574.99 $75,457.50 YES!!
$54,690.43 $842,032.49 $84,203.25 YES!!
$56,878.05 $938,235.74 $93,823.57 YES!!
$59,153.17 $1,044,059.32 $104,405.93 YES!!
$61,519.30 $1,160,465.25 $116,046.52 YES!!
$63,980.07 $1,288,511.77 $128,851.18 YES!!
$66,539.27 $1,429,362.95 $142,936.30 YES!!
$69,200.85 $1,584,299.25 $158,429.92 YES!!
$71,968.88 $1,754,729.17 $175,472.92 YES!!
$74,847.63 $1,942,202.09 $194,220.21 YES!!
$77,841.54 $2,148,422.30 $214,842.23 YES!!
投資回報

年齡 初始年份 初始投資
32 2023 $10,000.00

年齡 年度 年份 投資累計成本
32 0 2023 $10,000.00
33 1 2024 $22,000.00
34 2 2025 $34,000.00
35 3 2026 $46,000.00
36 4 2027 $58,000.00
37 5 2028 $70,000.00
38 6 2029 $82,000.00
39 7 2030 $94,000.00
40 8 2031 $106,000.00
41 9 2032 $118,000.00
42 10 2033 $130,000.00
43 11 2034 $142,000.00
44 12 2035 $154,000.00
45 13 2036 $166,000.00
46 14 2037 $178,000.00
47 15 2038 $190,000.00
48 16 2039 $202,000.00
49 17 2040 $214,000.00
50 18 2041 $226,000.00
51 19 2042 $238,000.00
52 20 2043 $250,000.00
53 21 2044 $262,000.00
54 22 2045 $274,000.00
55 23 2046 $286,000.00
56 24 2047 $298,000.00
57 25 2048 $310,000.00
58 26 2049 $322,000.00
59 27 2050 $334,000.00
60 28 2051 $346,000.00
61 29 2052 $358,000.00
62 30 2053 $370,000.00

假設 58 歲以後，
 預估年利息/回報： 4%
年度派息次數： 1

年齡 年度 年份 初始投資
58 0 2049
59 1 2050 $1,429,362.95
60 2 2051 $1,434,636.83
61 3 2052 $1,438,045.65
62 4 2053 $1,439,431.75
63 5 2054 $1,438,627.86
64 6 2055 $1,435,456.57
65 7 2056 $1,429,729.78
66 8 2057 $1,421,248.11
67 9 2058 $1,409,800.34
68 10 2059 $1,395,162.75
69 11 2060 $1,377,098.48
70 12 2061 $1,355,356.80
71 13 2062 $1,329,672.43
72 14 2063 $1,299,764.74
73 15 2064 $1,265,336.96
74 16 2065 $1,226,075.33
75 17 2066 $1,181,648.23
76 18 2067 $1,131,705.25
77 19 2068 $1,075,876.19
78 20 2069 $1,013,770.07
79 21 2070 $944,974.06
80 22 2071 $869,052.35
81 23 2072 $785,544.93
82 24 2073 $693,966.44
83 25 2074 $593,804.80
84 26 2075 $484,519.88
85 27 2076 $365,542.07
86 28 2077 $236,270.82
87 29 2078 $96,072.99
88 30 2079 -$55,718.69
89 31 2080 -$219,807.43
90 32 2081 -$396,934.12
91 33 2082 -$587,879.24
92 34 2083 -$793,464.89
93 35 2084 -$1,014,556.78
94 36 2085 -$1,252,066.47
95 37 2086 -$1,506,953.65
96 38 2087 -$1,780,228.50
 97 39 2088 -$2,072,954.21
98 40 2089 -$2,386,249.62
99 41 2090 -$2,721,291.92
100 42 2091 -$3,079,319.62
101 43 2092 -$3,461,635.46
102 44 2093 -$3,869,609.66
103 45 2094 -$4,304,683.17
104 46 2095 -$4,768,371.20
105 47 2096 -$5,262,266.77
106 48 2097 -$5,788,044.59
107 49 2098 -$6,347,465.01
108 50 2099 -$6,942,378.20
109 51 2100 -$7,574,728.49
110 52 2101 -$8,246,559.01
111 53 2102 -$8,960,016.39
112 54 2103 -$9,717,355.88
113 55 2104 -$10,520,946.50
114 56 2105 -$11,373,276.60
115 57 2106 -$12,276,959.59
116 58 2107 -$13,234,739.98
117 59 2108 -$14,249,499.66
118 60 2109 -$15,324,264.54
119 61 2110 -$16,462,211.40
120 62 2111 -$17,666,675.20
121 63 2112 -$18,941,156.55
 每月投資 預估年利息/回報 年度派息次數
$1,000.00 10.00% 1

投資總價值
$10,000.00
$23,000.00
投資複利表
$37,300.00 $2,500,000
$53,030.00
$70,333.00
$89,366.30
$2,000,000
$110,302.93
$133,333.22
$158,666.55
$186,533.20 $1,500,000
$217,186.52
投資價值

$250,905.17
$287,995.69 $1,000,000
$328,795.26
$373,674.78
$423,042.26
$477,346.49 $500,000
$537,081.14
$602,789.25
$675,068.18 $0
$754,574.99 23 25 27 29 31 33 35 37 39 41 43 45 47 4
20 20 20 20 20 20 20 20 20 20 20 20 20 20
$842,032.49
$938,235.74 年份
$1,044,059.32
$1,160,465.25
$1,288,511.77
$1,429,362.95
$1,584,299.24
$1,754,729.17
$1,942,202.09
$2,148,422.29
投資回報 生活開銷 剩餘投資價值
$1,429,362.95
$57,174.52 $51,900.63 $1,434,636.83
$57,385.47 $53,976.66 $1,438,045.65
$57,521.83 $56,135.73 $1,439,431.75
$57,577.27 $58,381.16 $1,438,627.86
$57,545.11 $60,716.40 $1,435,456.57
$57,418.26 $63,145.06 $1,429,729.78
$57,189.19 $65,670.86 $1,421,248.11
$56,849.92 $68,297.69 $1,409,800.34
$56,392.01 $71,029.60 $1,395,162.75
$55,806.51 $73,870.79 $1,377,098.48
$55,083.94 $76,825.62 $1,355,356.80
$54,214.27 $79,898.64 $1,329,672.43
$53,186.90 $83,094.59 $1,299,764.74
$51,990.59 $86,418.37 $1,265,336.96
$50,613.48 $89,875.11 $1,226,075.33
$49,043.01 $93,470.11 $1,181,648.23
$47,265.93 $97,208.91 $1,131,705.25
$45,268.21 $101,097.27 $1,075,876.19
$43,035.05 $105,141.16 $1,013,770.07
$40,550.80 $109,346.81 $944,974.06
$37,798.96 $113,720.68 $869,052.35
$34,762.09 $118,269.51 $785,544.93
$31,421.80 $123,000.29 $693,966.44
$27,758.66 $127,920.30 $593,804.80
$23,752.19 $133,037.11 $484,519.88
$19,380.80 $138,358.60 $365,542.07
$14,621.68 $143,892.94 $236,270.82
$9,450.83 $149,648.66 $96,072.99
$3,842.92 $155,634.60 -$55,718.69
-$2,228.75 $161,859.99 -$219,807.43
-$8,792.30 $168,334.39 -$396,934.12
-$15,877.36 $175,067.76 -$587,879.24
-$23,515.17 $182,070.47 -$793,464.89
-$31,738.60 $189,353.29 -$1,014,556.78
-$40,582.27 $196,927.43 -$1,252,066.47
-$50,082.66 $204,804.52 -$1,506,953.65
-$60,278.15 $212,996.70 -$1,780,228.50
-$71,209.14 $221,516.57 -$2,072,954.21
 -$82,918.17 $230,377.23 -$2,386,249.62
-$95,449.98 $239,592.32 -$2,721,291.92
-$108,851.68 $249,176.02 -$3,079,319.62
-$123,172.78 $259,143.06 -$3,461,635.46
-$138,465.42 $269,508.78 -$3,869,609.66
-$154,784.39 $280,289.13 -$4,304,683.17
-$172,187.33 $291,500.70 -$4,768,371.20
-$190,734.85 $303,160.72 -$5,262,266.77
-$210,490.67 $315,287.15 -$5,788,044.59
-$231,521.78 $327,898.64 -$6,347,465.01
-$253,898.60 $341,014.58 -$6,942,378.20
-$277,695.13 $354,655.17 -$7,574,728.49
-$302,989.14 $368,841.37 -$8,246,559.01
-$329,862.36 $383,595.03 -$8,960,016.39
-$358,400.66 $398,938.83 -$9,717,355.88
-$388,694.24 $414,896.38 -$10,520,946.50
-$420,837.86 $431,492.24 -$11,373,276.60
-$454,931.06 $448,751.93 -$12,276,959.59
-$491,078.38 $466,702.01 -$13,234,739.98
-$529,389.60 $485,370.09 -$14,249,499.66
-$569,979.99 $504,784.89 -$15,324,264.54
-$612,970.58 $524,976.28 -$16,462,211.40
-$658,488.46 $545,975.34 -$17,666,675.20
-$706,667.01 $567,814.35 -$18,941,156.55
-$757,646.26 $590,526.92 -$20,289,329.74
投資複利表

投資累計成本
投資總價值

7 39 41 43 45 47 49 51 53
03 20 20 20 20 20 20 20 20
份
生活開銷

年齡 初始年份 生活開銷/月 通貨膨脹率/年

32 2023 $2,000.00 4.00%

年齡 年度 年份 每年生活費
32 0 2023 $24,000.00
33 1 2024 $24,960.00
34 2 2025 $25,958.40
35 3 2026 $26,996.74
$90,000
36 4 2027 $28,076.61
37 5 2028 $29,199.67
$80,000
38 6 2029 $30,367.66
39 7 2030 $31,582.36 $70,000
40 8 2031 $32,845.66
41 9 2032 $34,159.48 $60,000
42 10 2033 $35,525.86
43 11 2034 $36,946.90 $50,000

每年生活費
44 12 2035 $38,424.77
$40,000
45 13 2036 $39,961.76
46 14 2037 $41,560.23 $30,000
47 15 2038 $43,222.64
48 16 2039 $44,951.55 $20,000
49 17 2040 $46,749.61
50 18 2041 $48,619.60 $10,000
51 19 2042 $50,564.38
$0
52 20 2043 $52,586.96
23 25 27
53 21 2044 $54,690.43 20 20 20 20
54 22 2045 $56,878.05
55 23 2046 $59,153.17
56 24 2047 $61,519.30
57 25 2048 $63,980.07
58 26 2049 $66,539.27
59 27 2050 $69,200.85
60 28 2051 $71,968.88
61 29 2052 $74,847.63
62 30 2053 $77,841.54

假設 58 歲以後，
 生活開銷一下子少了 25.00%

年齡 年度 年份 每年生活費
57 25 2048 $63,980.07
58 26 2049 $49,904.46
59 27 2050 $51,900.63
60 28 2051 $53,976.66 $700,000
61 29 2052 $56,135.73
62 30 2053 $58,381.16 $600,000
63 31 2054 $60,716.40
64 32 2055 $63,145.06
$500,000
65 33 2056 $65,670.86
66 34 2057 $68,297.69
67 35 2058 $71,029.60 $400,000

每年生活費
68 36 2059 $73,870.79
69 37 2060 $76,825.62
$300,000
70 38 2061 $79,898.64
71 39 2062 $83,094.59
72 40 2063 $86,418.37 $200,000
73 41 2064 $89,875.11
74 42 2065 $93,470.11 $100,000
75 43 2066 $97,208.91
76 44 2067 $101,097.27
$0
77 45 2068 $105,141.16 2049 2083
78 46 2069 $109,346.81
79 47 2070 $113,720.68
80 48 2071 $118,269.51
81 49 2072 $123,000.29
82 50 2073 $127,920.30
83 51 2074 $133,037.11
84 52 2075 $138,358.60
85 53 2076 $143,892.94
86 54 2077 $149,648.66
87 55 2078 $155,634.60
88 56 2079 $161,859.99
89 57 2080 $168,334.39
90 58 2081 $175,067.76
91 59 2082 $182,070.47
92 60 2083 $189,353.29
93 61 2084 $196,927.43
94 62 2085 $204,804.52
95 63 2086 $212,996.70
96 64 2087 $221,516.57
 97 65 2088 $230,377.23
98 66 2089 $239,592.32
99 67 2090 $249,176.02
100 68 2091 $259,143.06
101 69 2092 $269,508.78
102 70 2093 $280,289.13
103 71 2094 $291,500.70
104 72 2095 $303,160.72
105 73 2096 $315,287.15
106 74 2097 $327,898.64
107 75 2098 $341,014.58
108 76 2099 $354,655.17
109 77 2100 $368,841.37
110 78 2101 $383,595.03
111 79 2102 $398,938.83
112 80 2103 $414,896.38
113 81 2104 $431,492.24
114 82 2105 $448,751.93
115 83 2106 $466,702.01
116 84 2107 $485,370.09
117 85 2108 $504,784.89
118 86 2109 $524,976.28
119 87 2110 $545,975.34
120 88 2111 $567,814.35
121 89 2112 $590,526.92
122 90 2113 $614,148.00
 生活開銷
$90,000

$80,000

$70,000

$60,000

$50,000
每年生活費

每年生活費
$40,000

$30,000

$20,000

$10,000

$0
23 25 27 29 31 33 35 37 39 41 43 45 47 49 51 53
20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20
年份
 退休後生活開銷
$700,000

$600,000

$500,000

$400,000
每年生活費

$63,980.07
$300,000

$200,000

$100,000

$0
2049 2083
年份
 每年生活費

1 53
20
$63,980.07
* 輸入預估數字 *

退休後預估

財務自由年份 #NAME? 年齡 58

退休之後，

年齡： 58 初始投資： $483,567.39

初始年份： #NAME? 預估年利息/回報： 4%
年度派息次數： 1

生活開銷一下子少了 25.00%
不再進行每月投資

退休後狀態
$1,600,000

$1,400,000

$1,200,000

$1,000,000

$800,000

$600,000

$400,000

$200,000

$0
2049205820672076

年份
$200,000

$0
2049205820672076

年份
 投資總值 #NAME?

年齡 年度
58 0
59 1
60 2
61 3
62 4
平均每年生活費 $101,695.19 63 5
64 6
65 7
66 8
67 9
68 10
69 11
70 12
71 13
72 14
73 15
74 16
75 17
76 18
77 19
78 20
79 21
生活開銷 80 22
剩餘投資價值 81 23
82 24
83 25
84 26
85 27
86 28
87 29
88 30
89 31
90 32
年份 初始投資 投資回報 生活開銷 剩餘投資價值 足夠生活嗎？
2049 $1,429,362.95 YES!!
2050 $1,429,362.95 $57,174.52 $51,900.63 $1,434,636.83 YES!!
2051 $1,434,636.83 $57,385.47 $53,976.66 $1,438,045.65 YES!!
2052 $1,438,045.65 $57,521.83 $56,135.73 $1,439,431.75 YES!!
2053 $1,439,431.75 $57,577.27 $58,381.16 $1,438,627.86 YES!!
2054 $1,438,627.86 $57,545.11 $60,716.40 $1,435,456.58 YES!!
2055 $1,435,456.58 $57,418.26 $63,145.06 $1,429,729.78 YES!!
2056 $1,429,729.78 $57,189.19 $65,670.86 $1,421,248.11 YES!!
2057 $1,421,248.11 $56,849.92 $68,297.69 $1,409,800.34 YES!!
2058 $1,409,800.34 $56,392.01 $71,029.60 $1,395,162.75 YES!!
2059 $1,395,162.75 $55,806.51 $73,870.79 $1,377,098.48 YES!!
2060 $1,377,098.48 $55,083.94 $76,825.62 $1,355,356.80 YES!!
2061 $1,355,356.80 $54,214.27 $79,898.64 $1,329,672.43 YES!!
2062 $1,329,672.43 $53,186.90 $83,094.59 $1,299,764.74 YES!!
2063 $1,299,764.74 $51,990.59 $86,418.37 $1,265,336.96 YES!!
2064 $1,265,336.96 $50,613.48 $89,875.11 $1,226,075.33 YES!!
2065 $1,226,075.33 $49,043.01 $93,470.11 $1,181,648.23 YES!!
2066 $1,181,648.23 $47,265.93 $97,208.91 $1,131,705.25 YES!!
2067 $1,131,705.25 $45,268.21 $101,097.27 $1,075,876.19 YES!!
2068 $1,075,876.19 $43,035.05 $105,141.16 $1,013,770.07 YES!!
2069 $1,013,770.07 $40,550.80 $109,346.81 $944,974.06 YES!!
2070 $944,974.06 $37,798.96 $113,720.68 $869,052.35 YES!!
2071 $869,052.35 $34,762.09 $118,269.51 $785,544.93 YES!!
2072 $785,544.93 $31,421.80 $123,000.29 $693,966.44 YES!!
2073 $693,966.44 $27,758.66 $127,920.30 $593,804.80 YES!!
2074 $593,804.80 $23,752.19 $133,037.11 $484,519.88 YES!!
2075 $484,519.88 $19,380.80 $138,358.60 $365,542.08 YES!!
2076 $365,542.08 $14,621.68 $143,892.94 $236,270.82 YES!!
2077 $236,270.82 $9,450.83 $149,648.66 $96,072.99 YES!!
2078 $96,072.99 $3,842.92 $155,634.60 -$55,718.69 No
2079 -$55,718.69 -$2,228.75 $161,859.99 -$219,807.43 No
2080 -$219,807.43 -$8,792.30 $168,334.39 -$396,934.11 No
2081 -$396,934.11 -$15,877.36 $175,067.76 -$587,879.24 No
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