保守情境
為變動多留一點空間
60財務自由年齡
- 距離財務自由
- 30 年
- 達成時被動收入覆蓋率
- 99.9%
- 資產首次歸零年份
- 不會歸零
報酬 4% / 通膨 2.5%
該年齡的名目目標資產 60
$26,429,351
隱私優先・無需註冊
為理想生活， 留一點餘裕。
未來不只是「年支出 × 25」。把退休金、家庭與安居計畫一起算進來，找到屬於你的財務自由路徑。
今天多一分清楚，明天多一種選擇。選擇在地政策
你想在哪裡，展開下一篇章？
在地政策，同一套透明的計算引擎。
切換國家會重設金額與假設，不會進行匯率換算。
用數字，描繪人生的下一章
未來不是一個數字， 而是一段可能。
預估目標資產區間
$1260萬 $1260萬
以今日購買力表示。各情境取達成財務自由年齡的目標；未達成時取預計退休年齡。
僅在你的裝置運算，不傳送、不儲存。
預估目標資產區間: $12,600,000 – $12,600,000
基準情境
依照你的核心假設
48財務自由年齡
- 距離財務自由
- 18 年
- 達成時被動收入覆蓋率
- 101.1%
- 資產首次歸零年份
- 不會歸零
報酬 6% / 通膨 1.5%
該年齡的名目目標資產 48
$16,472,492
樂觀情境
也為好事保留可能
44財務自由年齡
- 距離財務自由
- 14 年
- 達成時被動收入覆蓋率
- 99.7%
- 資產首次歸零年份
- 不會歸零
報酬 8% / 通膨 1%
該年齡的名目目標資產 44
$14,483,375
把一生，攤開來看看
名目投資資產・從累積到提領
保守情境基準情境樂觀情境
年齡
虛線標示各情境的財務自由年齡；未達成則依預計退休年齡開始提領。資產為零也可能是退休金已足以支應支出。
檢視逐年資產與現金流明細
逐一檢視各情境，數值於每個年齡年度結束時結算。
| 年齡 | 年份 | 投資資產 | 總支出 | 退休金 | 淨投入 | 稅負與保費 | 育兒費 | 房貸 | 頭期款 | 孝親費 | 長照準備金 | 未支應現金流 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 30 | 2026 | $2,000,000 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 31 | 2027 | $2,480,000 | $504,000 | $0 | $360,000 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 32 | 2028 | $2,988,800 | $511,560 | $0 | $360,000 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 33 | 2029 | $3,528,128 | $519,233 | $0 | $360,000 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 34 | 2030 | $4,099,816 | $527,022 | $0 | $360,000 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 35 | 2031 | $4,705,805 | $534,927 | $0 | $360,000 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 36 | 2032 | $5,348,153 | $542,951 | $0 | $360,000 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 37 | 2033 | $6,029,042 | $551,095 | $0 | $360,000 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 38 | 2034 | $6,750,785 | $559,362 | $0 | $360,000 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 39 | 2035 | $7,515,832 | $567,752 | $0 | $360,000 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 40 | 2036 | $8,326,782 | $576,269 | $0 | $360,000 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 41 | 2037 | $9,186,388 | $584,913 | $0 | $360,000 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 42 | 2038 | $10,097,572 | $593,686 | $0 | $360,000 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 43 | 2039 | $11,063,426 | $602,592 | $0 | $360,000 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 44 | 2040 | $12,087,232 | $611,630 | $0 | $360,000 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 45 | 2041 | $13,172,466 | $620,805 | $0 | $360,000 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 46 | 2042 | $14,322,813 | $630,117 | $0 | $360,000 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 47 | 2043 | $15,542,182 | $639,569 | $0 | $360,000 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 48 | 2044 | $16,834,713 | $649,162 | $0 | $360,000 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 49 | 2045 | $17,178,792 | $658,900 | $0 | $0 | $7,104 | $0 | $0 | $0 | $0 | $0 | $0 |
| 50 | 2046 | $17,533,487 | $668,783 | $0 | $0 | $7,249 | $0 | $0 | $0 | $0 | $0 | $0 |
| 51 | 2047 | $17,899,282 | $678,815 | $0 | $0 | $7,399 | $0 | $0 | $0 | $0 | $0 | $0 |
| 52 | 2048 | $18,276,688 | $688,997 | $0 | $0 | $7,553 | $0 | $0 | $0 | $0 | $0 | $0 |
| 53 | 2049 | $18,666,245 | $699,332 | $0 | $0 | $7,713 | $0 | $0 | $0 | $0 | $0 | $0 |
| 54 | 2050 | $19,068,520 | $709,822 | $0 | $0 | $7,877 | $0 | $0 | $0 | $0 | $0 | $0 |
| 55 | 2051 | $19,484,115 | $720,469 | $0 | $0 | $8,047 | $0 | $0 | $0 | $0 | $0 | $0 |
| 56 | 2052 | $19,913,663 | $731,276 | $0 | $0 | $8,222 | $0 | $0 | $0 | $0 | $0 | $0 |
| 57 | 2053 | $20,357,834 | $742,246 | $0 | $0 | $8,404 | $0 | $0 | $0 | $0 | $0 | $0 |
| 58 | 2054 | $20,817,334 | $753,379 | $0 | $0 | $8,591 | $0 | $0 | $0 | $0 | $0 | $0 |
| 59 | 2055 | $21,292,909 | $764,680 | $0 | $0 | $8,785 | $0 | $0 | $0 | $0 | $0 | $0 |
| 60 | 2056 | $21,785,348 | $776,150 | $0 | $0 | $8,986 | $0 | $0 | $0 | $0 | $0 | $0 |
| 61 | 2057 | $22,295,483 | $787,792 | $0 | $0 | $9,193 | $0 | $0 | $0 | $0 | $0 | $0 |
| 62 | 2058 | $22,824,194 | $799,609 | $0 | $0 | $9,409 | $0 | $0 | $0 | $0 | $0 | $0 |
| 63 | 2059 | $23,372,410 | $811,603 | $0 | $0 | $9,632 | $0 | $0 | $0 | $0 | $0 | $0 |
| 64 | 2060 | $23,941,114 | $823,778 | $0 | $0 | $9,863 | $0 | $0 | $0 | $0 | $0 | $0 |
| 65 | 2061 | $24,531,343 | $836,134 | $0 | $0 | $10,103 | $0 | $0 | $0 | $0 | $0 | $0 |
| 66 | 2062 | $25,629,153 | $848,676 | $484,958 | $0 | $10,352 | $0 | $0 | $0 | $0 | $0 | $0 |
| 67 | 2063 | $26,786,913 | $861,406 | $492,232 | $0 | $10,816 | $0 | $0 | $0 | $0 | $0 | $0 |
| 68 | 2064 | $28,008,112 | $874,327 | $499,616 | $0 | $11,304 | $0 | $0 | $0 | $0 | $0 | $0 |
| 69 | 2065 | $29,296,447 | $887,442 | $507,110 | $0 | $11,819 | $0 | $0 | $0 | $0 | $0 | $0 |
| 70 | 2066 | $30,655,833 | $900,754 | $514,717 | $0 | $12,363 | $0 | $0 | $0 | $0 | $0 | $0 |
| 71 | 2067 | $32,090,418 | $914,265 | $522,437 | $0 | $12,937 | $0 | $0 | $0 | $0 | $0 | $0 |
| 72 | 2068 | $33,604,596 | $927,979 | $530,274 | $0 | $13,542 | $0 | $0 | $0 | $0 | $0 | $0 |
| 73 | 2069 | $35,203,019 | $941,899 | $538,228 | $0 | $14,181 | $0 | $0 | $0 | $0 | $0 | $0 |
| 74 | 2070 | $36,890,619 | $956,027 | $546,301 | $0 | $14,856 | $0 | $0 | $0 | $0 | $0 | $0 |
| 75 | 2071 | $38,672,616 | $970,368 | $554,496 | $0 | $15,568 | $0 | $0 | $0 | $0 | $0 | $0 |
| 76 | 2072 | $40,554,543 | $984,923 | $562,813 | $0 | $16,320 | $0 | $0 | $0 | $0 | $0 | $0 |
| 77 | 2073 | $42,542,260 | $999,697 | $571,256 | $0 | $17,114 | $0 | $0 | $0 | $0 | $0 | $0 |
| 78 | 2074 | $44,641,975 | $1,014,693 | $579,824 | $0 | $17,953 | $0 | $0 | $0 | $0 | $0 | $0 |
| 79 | 2075 | $46,860,263 | $1,029,913 | $588,522 | $0 | $18,839 | $0 | $0 | $0 | $0 | $0 | $0 |
| 80 | 2076 | $49,204,092 | $1,045,362 | $597,350 | $0 | $19,775 | $0 | $0 | $0 | $0 | $0 | $0 |
| 81 | 2077 | $51,680,841 | $1,061,042 | $606,310 | $0 | $20,764 | $0 | $0 | $0 | $0 | $0 | $0 |
| 82 | 2078 | $54,298,328 | $1,076,958 | $615,404 | $0 | $21,809 | $0 | $0 | $0 | $0 | $0 | $0 |
| 83 | 2079 | $57,064,838 | $1,093,112 | $624,636 | $0 | $22,914 | $0 | $0 | $0 | $0 | $0 | $0 |
| 84 | 2080 | $59,989,143 | $1,109,509 | $634,005 | $0 | $24,081 | $0 | $0 | $0 | $0 | $0 | $0 |
| 85 | 2081 | $63,080,539 | $1,126,151 | $643,515 | $0 | $25,315 | $0 | $0 | $0 | $0 | $0 | $0 |
| 86 | 2082 | $66,348,876 | $1,143,044 | $653,168 | $0 | $26,620 | $0 | $0 | $0 | $0 | $0 | $0 |
| 87 | 2083 | $69,804,585 | $1,160,189 | $662,965 | $0 | $27,999 | $0 | $0 | $0 | $0 | $0 | $0 |
| 88 | 2084 | $73,458,720 | $1,177,592 | $672,910 | $0 | $29,458 | $0 | $0 | $0 | $0 | $0 | $0 |
| 89 | 2085 | $77,322,991 | $1,195,256 | $683,004 | $0 | $31,000 | $0 | $0 | $0 | $0 | $0 | $0 |
| 90 | 2086 | $81,409,804 | $1,213,185 | $693,249 | $0 | $32,630 | $0 | $0 | $0 | $0 | $0 | $0 |
| 91 | 2087 | $85,732,302 | $1,231,383 | $703,647 | $0 | $34,355 | $0 | $0 | $0 | $0 | $0 | $0 |
| 92 | 2088 | $90,304,410 | $1,249,854 | $714,202 | $0 | $36,179 | $0 | $0 | $0 | $0 | $0 | $0 |
| 93 | 2089 | $95,140,879 | $1,268,601 | $724,915 | $0 | $38,108 | $0 | $0 | $0 | $0 | $0 | $0 |
| 94 | 2090 | $100,257,341 | $1,287,630 | $735,789 | $0 | $40,149 | $0 | $0 | $0 | $0 | $0 | $0 |
| 95 | 2091 | $105,670,354 | $1,306,945 | $746,826 | $0 | $42,309 | $0 | $0 | $0 | $0 | $0 | $0 |
把假設，說清楚
算的是缺口，不是整份支出
退休金開始後，投資資產只支應剩餘缺口。我們也逐年檢查人生事件與長照準備金，退休金後的低目標不能抹去請領前的空窗期。
採固定報酬逐年試算：年初資產成長後，於年底結算現金流。達成財務自由後停止投入。退休金自今日起依通膨調整是模型假設，並非政策保證。不自動計算退休金所得稅、各帳戶稅則、報酬順序風險、手續費與房屋維護費，請自行編入預算。
全民健康保險（健保）
健保通常降低醫療自付負擔，但仍有保費與部分負擔；不涵蓋長期生活照顧，其他長照補助與資格不在本模型內。
醫療保險不是長照保險，請為長照保留獨立預算。
政策來源與資料年份
2026套件資料年份 · 2026
請分開輸入勞保與勞退月領估計。輔助估算至少需 15 年年資，薪資為最高 60 個月投保薪資平均。取「薪資 × 年資 × 0.775% ＋ 3,000 元」與「薪資 × 年資 × 1.55%」較高者，再簡化套用每提前／延後一年 ±4%（最多 ±20%），資格以官方為準。勞退依專戶餘額與年金因子計算，實際給付期間可能不同於本模型全期間領取的假設。
補充保費・僅限提領期
健保補充保費 · 2.1% · 單筆入帳門檻 ≥ $20,000
退休帳戶・僅供資訊參考
請勿重複計算。僅納入可動用的投資餘額，未模擬各帳戶提領資格與稅制。
勞退個人專戶 · 確定提撥制，與勞保年金分開。請填月領預估，勿再把同筆專戶餘額列為流動投資資產。
政策套件
票選下一個國家政策套件
下一站，你想去哪裡？透過電子郵件提議國家，不會自動送出任何資料。