个税税率20%养老金投资收益率（年化）4.00%
按需修改按需修改

计算公式：
1. 对照期末金额=12000*（1-个税税率）*（1+养老金投资收益率（年化））^投资年限

2. 期末余额=12000*（1+养老金投资收益率（年化））^投资年数*0.97

3. 收益率（年化）=（期末余额/对照投入本金）^(1/投资年限）-1

4. 超额收益率（年化）=收益率（年化）-养老金投资收益率（年化）

年龄投资年限对照投入对照期末金额期末余额收益率(年化）超额收益超额收益率（年化）
3530960031137 37753 4.67%6617 0.67%
3629960029939 36301 4.69%6362 0.69%
3728960028788 34905 4.72%6117 0.72%
3827960027680 33562 4.74%5882 0.74%
3926960026616 32272 4.77%5656 0.77%
4025960025592 31030 4.80%5438 0.80%
4124960024608 29837 4.84%5229 0.84%
4223960023661 28689 4.87%5028 0.87%
4322960022751 27586 4.91%4835 0.91%
4421960021876 26525 4.96%4649 0.96%
4520960021035 25505 5.01%4470 1.01%
4619960020226 24524 5.06%4298 1.06%
4718960019448 23581 5.12%4133 1.12%
4817960018700 22674 5.19%3974 1.19%
4916960017981 21802 5.26%3821 1.26%
5015960017289 20963 5.34%3674 1.34%
5114960016624 20157 5.44%3533 1.44%
5213960015985 19381 5.55%3397 1.55%
5312960015370 18636 5.68%3266 1.68%
5411960014779 17919 5.84%3140 1.84%
5510960014210 17230 6.02%3020 2.02%
569960013664 16567 6.25%2904 2.25%
578960013138 15930 6.54%2792 2.54%
587960012633 15317 6.90%2685 2.90%
596960012147 14728 7.39%2581 3.39%
605960011680 14162 8.09%2482 4.09%
614960011231 13617 9.13%2387 5.13%
623960010799 13093 10.90%2295 6.90%
632960010383 12590 14.52%2206 10.52%
64196009984 12106 26.10%2122 22.10%
※ 修改:·oneone11 于 Dec  6 15:40:15 2022 修改本文·[FROM: 218.28.140.*]
※ 来源:·水木社区 http://www.mysmth.net·[FROM: 218.28.140.*]

修改:oneone11 FROM 218.28.140.*
FROM 218.28.140.*
附件(14.5KB) 养老计算.xlsx