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Pengeluaran Bulanan Anda

Jenis Pengeluaran Nominal


Listrik 500000
Air & Gas 750000
Telepon & Handphone 500000
Konsumsi Makanan 2400000
Sekolah & Pendidikan 1900000
Asuransi 500000
Kredit Rumah 1200000
Kredit Kendaraan 0
Kartu Kredit
Pembantu
Kendaraan (Bahan Bakar
1000000
& Service)
Pakaian 250000
Lainnya 2000000 Cara Penggunaan

1. Masukkan semua data peng

2. Rincikan sedetail mungkin

3. Bila Anda menginginkan ha

4. Pindah ke tab Pengeluaran

Total 11,000,000
Cara Penggunaan

1. Masukkan semua data pengeluaran bulanan Anda

2. Rincikan sedetail mungkin

3. Bila Anda menginginkan hanya mengisi biaya bulanan total tanpa terperinci langsung isi tabel TOTAL

4. Pindah ke tab Pengeluaran untuk melihat pengeluaran Anda di masa depan


Pengeluaran Saat Anda Pensiun

1. BERAPA UMUR ANDA SEKARANG?


2. UMUR BERAPA ANDA INGIN PENSIUN?

3. INFLASI/ TAHUN?

4. PENGELUARAN ANDA SAAT INI? (Per Bulan)

BERARTI, PADA USIA 55 BIAYA


PENGELUARAN ANDA ADALAH
30

7%
a Pensiun

25 1. Isi usia Anda saat ini dan isi juga kapan Anda akan pensiun
55 2. Isilah nilai inflasi dengan inflasi tahunan

3. Pada tabel dibawah Anda akan mendapati angka biaya yang akan Anda rasakan ketik
7% 4. Pindah ke tab FinFreedom

11,000,000 Data ini di dapat dari Tabel Pengeluaran

83,734,805
ya yang akan Anda rasakan ketika pensiun
Financial Freedom Calc

1. BIAYA HIDUP PER BULAN

2. ASUMSI BUNGA/ HASIL SAYA (PER TAHUN)?


3. TINGKAT INFLASI/ TAHUN?
4. PERKIRAAN Dana Investasi SAYA SAAT UMUR xx

UANG ANDA HANYA CUKUP SAMPAI ANDA BERUMUR


BERARTI, Investasi ANDA HANYA BERTAHAN SELAMA
SALDO AKHIR
>0
210,813,953
232

BULAN
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lc

83,734,805

8% Kolom ini dapat diganti 1. Anggap Anda mendepositokan uang yang An

7% Kolom ini dapat diganti 2. Sertakan juga tingkat inflasi

17,000,000,000 Kolom ini dapat diganti 3. Gantilah Angka pada kolom 4 hingga Angka p

4. Maka nilai pada kolom 4 yang akan kita kejar

74 tahun 5. Pindahlah ke bagian tab rencana

19 tahun setelah pensiun


231

POKOK BUNGA BIAYA HIDUP


17,000,000,000 113,333,333 (83,734,805)
17,029,598,528 113,530,657 (83,734,805)
17,059,394,379 113,729,296 (83,734,805)
17,089,388,870 113,929,259 (83,734,805)
17,119,583,323 114,130,555 (83,734,805)
17,149,979,073 114,333,194 (83,734,805)
17,180,577,462 114,537,183 (83,734,805)
17,211,379,839 114,742,532 (83,734,805)
17,242,387,566 114,949,250 (83,734,805)
17,273,602,011 115,157,347 (83,734,805)
17,305,024,552 115,366,830 (83,734,805)
17,336,656,577 115,577,711 (83,734,805)
17,368,499,482 115,789,997 (89,788,001)
17,394,501,477 115,963,343 (89,788,001)
17,420,676,819 116,137,845 (89,788,001)
17,447,026,663 116,313,511 (89,788,001)
17,473,552,173 116,490,348 (89,788,001)
17,500,254,520 116,668,363 (89,788,001)
17,527,134,882 116,847,566 (89,788,001)
17,554,194,446 117,027,963 (89,788,001)
17,581,434,408 117,209,563 (89,788,001)
17,608,855,969 117,392,373 (89,788,001)
17,636,460,341 117,576,402 (89,788,001)
17,664,248,742 117,761,658 (89,788,001)
17,692,222,399 117,948,149 (96,278,783)
17,713,891,765 118,092,612 (96,278,783)
17,735,705,594 118,238,037 (96,278,783)
17,757,664,848 118,384,432 (96,278,783)
17,779,770,497 118,531,803 (96,278,783)
17,802,023,517 118,680,157 (96,278,783)
17,824,424,891 118,829,499 (96,278,783)
17,846,975,607 118,979,837 (96,278,783)
17,869,676,661 119,131,178 (96,278,783)
17,892,529,056 119,283,527 (96,278,783)
17,915,533,799 119,436,892 (96,278,783)
17,938,691,908 119,591,279 (96,278,783)
17,962,004,404 119,746,696 (103,238,784)
17,978,512,316 119,856,749 (103,238,784)
17,995,130,281 119,967,535 (103,238,784)
18,011,859,032 120,079,060 (103,238,784)
18,028,699,308 120,191,329 (103,238,784)
18,045,651,852 120,304,346 (103,238,784)
18,062,717,414 120,418,116 (103,238,784)
18,079,896,745 120,532,645 (103,238,784)
18,097,190,606 120,647,937 (103,238,784)
18,114,599,759 120,763,998 (103,238,784)
18,132,124,974 120,880,833 (103,238,784)
18,149,767,022 120,998,447 (103,238,784)
18,167,526,685 121,116,845 (110,701,924)
18,177,941,605 121,186,277 (110,701,924)
18,188,425,958 121,256,173 (110,701,924)
18,198,980,207 121,326,535 (110,701,924)
18,209,604,818 121,397,365 (110,701,924)
18,220,300,259 121,468,668 (110,701,924)
18,231,067,003 121,540,447 (110,701,924)
18,241,905,525 121,612,704 (110,701,924)
18,252,816,304 121,685,442 (110,701,924)
18,263,799,822 121,758,665 (110,701,924)
18,274,856,563 121,832,377 (110,701,924)
18,285,987,016 121,906,580 (110,701,924)
18,297,191,672 121,981,278 (118,704,575)
18,300,468,375 122,003,122 (118,704,575)
18,303,766,922 122,025,113 (118,704,575)
18,307,087,459 122,047,250 (118,704,575)
18,310,430,134 122,069,534 (118,704,575)
18,313,795,092 122,091,967 (118,704,575)
18,317,182,484 122,114,550 (118,704,575)
18,320,592,459 122,137,283 (118,704,575)
18,324,025,167 122,160,168 (118,704,575)
18,327,480,759 122,183,205 (118,704,575)
18,330,959,389 122,206,396 (118,704,575)
18,334,461,209 122,229,741 (118,704,575)
18,337,986,375 122,253,243 (127,285,739)
18,332,953,879 122,219,693 (127,285,739)
18,327,887,833 122,185,919 (127,285,739)
18,322,788,013 122,151,920 (127,285,739)
18,317,654,195 122,117,695 (127,285,739)
18,312,486,151 122,083,241 (127,285,739)
18,307,283,653 122,048,558 (127,285,739)
18,302,046,472 122,013,643 (127,285,739)
18,296,774,376 121,978,496 (127,285,739)
18,291,467,134 121,943,114 (127,285,739)
18,286,124,509 121,907,497 (127,285,739)
18,280,746,267 121,871,642 (127,285,739)
18,275,332,170 121,835,548 (136,487,235)
18,260,680,483 121,737,870 (136,487,235)
18,245,931,118 121,639,541 (136,487,235)
18,231,083,424 121,540,556 (136,487,235)
18,216,136,745 121,440,912 (136,487,235)
18,201,090,421 121,340,603 (136,487,235)
18,185,943,789 121,239,625 (136,487,235)
18,170,696,179 121,137,975 (136,487,235)
18,155,346,919 121,035,646 (136,487,235)
18,139,895,330 120,932,636 (136,487,235)
18,124,340,730 120,828,938 (136,487,235)
18,108,682,434 120,724,550 (136,487,235)
18,092,919,748 120,619,465 (146,353,908)
18,067,185,305 120,447,902 (146,353,908)
18,041,279,298 120,275,195 (146,353,908)
18,015,200,586 120,101,337 (146,353,908)
17,988,948,014 119,926,320 (146,353,908)
17,962,520,426 119,750,136 (146,353,908)
17,935,916,654 119,572,778 (146,353,908)
17,909,135,524 119,394,237 (146,353,908)
17,882,175,852 119,214,506 (146,353,908)
17,855,036,449 119,033,576 (146,353,908)
17,827,716,118 118,851,441 (146,353,908)
17,800,213,650 118,668,091 (146,353,908)
17,772,527,833 118,483,519 (156,933,844)
17,734,077,507 118,227,183 (156,933,844)
17,695,370,847 117,969,139 (156,933,844)
17,656,406,142 117,709,374 (156,933,844)
17,617,181,672 117,447,878 (156,933,844)
17,577,695,705 117,184,638 (156,933,844)
17,537,946,499 116,919,643 (156,933,844)
17,497,932,298 116,652,882 (156,933,844)
17,457,651,336 116,384,342 (156,933,844)
17,417,101,834 116,114,012 (156,933,844)
17,376,282,002 115,841,880 (156,933,844)
17,335,190,038 115,567,934 (156,933,844)
17,293,824,128 115,292,161 (168,278,604)
17,240,837,684 114,938,918 (168,278,604)
17,187,497,998 114,583,320 (168,278,604)
17,133,802,713 114,225,351 (168,278,604)
17,079,749,460 113,864,996 (168,278,604)
17,025,335,852 113,502,239 (168,278,604)
16,970,559,487 113,137,063 (168,278,604)
16,915,417,945 112,769,453 (168,278,604)
16,859,908,794 112,399,392 (168,278,604)
16,804,029,581 112,026,864 (168,278,604)
16,747,777,841 111,651,852 (168,278,604)
16,691,151,089 111,274,341 (168,278,604)
16,634,146,825 110,894,312 (180,443,478)
16,564,597,659 110,430,651 (180,443,478)
16,494,584,831 109,963,899 (180,443,478)
16,424,105,252 109,494,035 (180,443,478)
16,353,155,809 109,021,039 (180,443,478)
16,281,733,369 108,544,889 (180,443,478)
16,209,834,780 108,065,565 (180,443,478)
16,137,456,867 107,583,046 (180,443,478)
16,064,596,434 107,097,310 (180,443,478)
15,991,250,265 106,608,335 (180,443,478)
15,917,415,122 106,116,101 (180,443,478)
15,843,087,744 105,620,585 (180,443,478)
15,768,264,851 105,121,766 (193,487,752)
15,679,898,865 104,532,659 (193,487,752)
15,590,943,772 103,939,625 (193,487,752)
15,501,395,645 103,342,638 (193,487,752)
15,411,250,531 102,741,670 (193,487,752)
15,320,504,449 102,136,696 (193,487,752)
15,229,153,393 101,527,689 (193,487,752)
15,137,193,330 100,914,622 (193,487,752)
15,044,620,201 100,297,468 (193,487,752)
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(25,164,232,514,280) (167,761,550,095) (23,889,188,211)
(25,355,883,252,586) (169,039,221,684) (23,889,188,211)
(25,548,811,662,481) (170,325,411,083) (23,889,188,211)
(25,743,026,261,775) (171,620,175,078) (25,616,139,558)
(25,940,262,576,411) (172,935,083,843) (25,616,139,558)
(26,138,813,799,812) (174,258,758,665) (25,616,139,558)
(26,338,688,698,036) (175,591,257,987) (25,616,139,558)
(26,539,896,095,581) (176,932,640,637) (25,616,139,558)
(26,742,444,875,777) (178,282,965,839) (25,616,139,558)
(26,946,343,981,173) (179,642,293,208) (25,616,139,558)
(27,151,602,413,939) (181,010,682,760) (25,616,139,558)
(27,358,229,236,257) (182,388,194,908) (25,616,139,558)
(27,566,233,570,724) (183,774,890,471) (25,616,139,558)
(27,775,624,600,753) (185,170,830,672) (25,616,139,558)
(27,986,411,570,983) (186,576,077,140) (25,616,139,558)
(28,198,603,787,681) (187,990,691,918) (27,467,932,358)
(28,414,062,411,957) (189,427,082,746) (27,467,932,358)
(28,630,957,427,062) (190,873,049,514) (27,467,932,358)
(28,849,298,408,934) (192,328,656,060) (27,467,932,358)
(29,069,094,997,351) (193,793,966,649) (27,467,932,358)
(29,290,356,896,359) (195,269,045,976) (27,467,932,358)
(29,513,093,874,692) (196,753,959,165) (27,467,932,358)
(29,737,315,766,215) (198,248,771,775) (27,467,932,358)
(29,963,032,470,348) (199,753,549,802) (27,467,932,358)
(30,190,253,952,508) (201,268,359,683) (27,467,932,358)
(30,418,990,244,550) (202,793,268,297) (27,467,932,358)
(30,649,251,445,205) (204,328,342,968) (27,467,932,358)
(30,881,047,720,531) (205,873,651,470) (29,453,591,409)
(31,116,374,963,411) (207,442,499,756) (29,453,591,409)
(31,353,271,054,576) (209,021,807,031) (29,453,591,409)
(31,591,746,453,016) (210,611,643,020) (29,453,591,409)
(31,831,811,687,445) (212,212,077,916) (29,453,591,409)
(32,073,477,356,771) (213,823,182,378) (29,453,591,409)
(32,316,754,130,558) (215,445,027,537) (29,453,591,409)
(32,561,652,749,505) (217,077,684,997) (29,453,591,409)
(32,808,184,025,910) (218,721,226,839) (29,453,591,409)
(33,056,358,844,159) (220,375,725,628) (29,453,591,409)
(33,306,188,161,196) (222,041,254,408) (29,453,591,409)
(33,557,683,007,013) (223,717,886,713) (29,453,591,409)
(33,810,854,485,136) (225,405,696,568) (31,582,793,914)
(34,067,842,975,617) (227,118,953,171) (31,582,793,914)
(34,326,544,722,702) (228,843,631,485) (31,582,793,914)
(34,586,971,148,100) (230,579,807,654) (31,582,793,914)
(34,849,133,749,668) (232,327,558,331) (31,582,793,914)
(35,113,044,101,913) (234,086,960,679) (31,582,793,914)
(35,378,713,856,506) (235,858,092,377) (31,582,793,914)
(35,646,154,742,796) (237,641,031,619) (31,582,793,914)
(35,915,378,568,328) (239,435,857,122) (31,582,793,914)
(36,186,397,219,364) (241,242,648,129) (31,582,793,914)
(36,459,222,661,407) (243,061,484,409) (31,582,793,914)
(36,733,866,939,730) (244,892,446,265) (31,582,793,914)
(37,010,342,179,909) (246,735,614,533) (33,865,916,639)
(37,290,943,711,081) (248,606,291,407) (33,865,916,639)
(37,573,415,919,128) (250,489,439,461) (33,865,916,639)
(37,857,771,275,228) (252,385,141,835) (33,865,916,639)
(38,144,022,333,702) (254,293,482,225) (33,865,916,639)
(38,432,181,732,566) (256,214,544,884) (33,865,916,639)
(38,722,262,194,089) (258,148,414,627) (33,865,916,639)
(39,014,276,525,356) (260,095,176,836) (33,865,916,639)
(39,308,237,618,831) (262,054,917,459) (33,865,916,639)
(39,604,158,452,929) (264,027,723,020) (33,865,916,639)
(39,902,052,092,588) (266,013,680,617) (33,865,916,639)
(40,201,931,689,845) (268,012,877,932) (33,865,916,639)
(40,503,810,484,417) (270,025,403,229) (36,314,086,492)
(40,810,149,974,138) (272,067,666,494) (36,314,086,492)
(41,118,531,727,123) (274,123,544,847) (36,314,086,492)
(41,428,969,358,462) (276,193,129,056) (36,314,086,492)
(41,741,476,574,010) (278,276,510,493) (36,314,086,492)
(42,056,067,170,995) (280,373,781,140) (36,314,086,492)
(42,372,755,038,627) (282,485,033,591) (36,314,086,492)
(42,691,554,158,709) (284,610,361,058) (36,314,086,492)
(43,012,478,606,259) (286,749,857,375) (36,314,086,492)
(43,335,542,550,125) (288,903,617,001) (36,314,086,492)
(43,660,760,253,618) (291,071,735,024) (36,314,086,492)
(43,988,146,075,133) (293,254,307,168) (36,314,086,492)
(44,317,714,468,792) (295,451,429,792) (38,939,234,740)
(44,652,105,133,325) (297,680,700,889) (38,939,234,740)
(44,988,725,068,954) (299,924,833,793) (38,939,234,740)
(45,327,589,137,487) (302,183,927,583) (38,939,234,740)
(45,668,712,299,810) (304,458,081,999) (38,939,234,740)
(46,012,109,616,549) (306,747,397,444) (38,939,234,740)
(46,357,796,248,733) (309,051,974,992) (38,939,234,740)
(46,705,787,458,465) (311,371,916,390) (38,939,234,740)
(47,056,098,609,595) (313,707,324,064) (38,939,234,740)
(47,408,745,168,399) (316,058,301,123) (38,939,234,740)
(47,763,742,704,262) (318,424,951,362) (38,939,234,740)
(48,121,106,890,364) (320,807,379,269) (38,939,234,740)
(48,480,853,504,373) (323,205,690,029) (41,754,155,168)
(48,845,813,349,571) (325,638,755,664) (41,754,155,168)
(49,213,206,260,403) (328,088,041,736) (41,754,155,168)
(49,583,048,457,307) (330,553,656,382) (41,754,155,168)
(49,955,356,268,857) (333,035,708,459) (41,754,155,168)
(50,330,146,132,484) (335,534,307,550) (41,754,155,168)
(50,707,434,595,202) (338,049,563,968) (41,754,155,168)
(51,087,238,314,338) (340,581,588,762) (41,754,155,168)
(51,469,574,058,268) (343,130,493,722) (41,754,155,168)
(51,854,458,707,158) (345,696,391,381) (41,754,155,168)
(52,241,909,253,707) (348,279,395,025) (41,754,155,168)
(52,631,942,803,900) (350,879,618,693) (41,754,155,168)
(53,024,576,577,761) (353,497,177,185) (44,772,566,421)
(53,422,846,321,367) (356,152,308,809) (44,772,566,421)
(53,823,771,196,597) (358,825,141,311) (44,772,566,421)
(54,227,368,904,329) (361,515,792,696) (44,772,566,421)
(54,633,657,263,446) (364,224,381,756) (44,772,566,421)
(55,042,654,211,624) (366,951,028,077) (44,772,566,421)
(55,454,377,806,122) (369,695,852,041) (44,772,566,421)
(55,868,846,224,585) (372,458,974,831) (44,772,566,421)
(56,286,077,765,836) (375,240,518,439) (44,772,566,421)
(56,706,090,850,697) (378,040,605,671) (44,772,566,421)
(57,128,904,022,789) (380,859,360,152) (44,772,566,421)
(57,554,535,949,362) (383,696,906,329) (44,772,566,421)
(57,983,005,422,113) (386,553,369,481) (48,009,178,868)
(58,417,567,970,461) (389,450,453,136) (48,009,178,868)
(58,855,027,602,466) (392,366,850,683) (48,009,178,868)
(59,295,403,632,017) (395,302,690,880) (48,009,178,868)
(59,738,715,501,765) (398,258,103,345) (48,009,178,868)
(60,184,982,783,978) (401,233,218,560) (48,009,178,868)
(60,634,225,181,406) (404,228,167,876) (48,009,178,868)
(61,086,462,528,150) (407,243,083,521) (48,009,178,868)
(61,541,714,790,539) (410,278,098,604) (48,009,178,868)
(62,000,002,068,011) (413,333,347,120) (48,009,178,868)
(62,461,344,593,999) (416,408,963,960) (48,009,178,868)
(62,925,762,736,827) (419,505,084,912) (48,009,178,868)
(63,393,277,000,607) (422,621,846,671) (51,479,766,290)
(63,867,378,613,568) (425,782,524,090) (51,479,766,290)
(64,344,640,903,948) (428,964,272,693) (51,479,766,290)
(64,825,084,942,932) (432,167,232,953) (51,479,766,290)
(65,308,731,942,175) (435,391,546,281) (51,479,766,290)
(65,795,603,254,746) (438,637,355,032) (51,479,766,290)
(66,285,720,376,068) (441,904,802,507) (51,479,766,290)
(66,779,104,944,865) (445,194,032,966) (51,479,766,290)
(67,275,778,744,121) (448,505,191,627) (51,479,766,290)
(67,775,763,702,039) (451,838,424,680) (51,479,766,290)
(68,279,081,893,009) (455,193,879,287) (51,479,766,290)
(68,785,755,538,586) (458,571,703,591) (51,479,766,290)
(69,295,807,008,467) (461,972,046,723) (55,201,242,758)
(69,812,980,297,948) (465,419,868,653) (55,201,242,758)
(70,333,601,409,359) (468,890,676,062) (55,201,242,758)
(70,857,693,328,179) (472,384,622,188) (55,201,242,758)
(71,385,279,193,124) (475,901,861,287) (55,201,242,758)
(71,916,382,297,170) (479,442,548,648) (55,201,242,758)
(72,451,026,088,575) (483,006,840,591) (55,201,242,758)
(72,989,234,171,924) (486,594,894,479) (55,201,242,758)
(73,531,030,309,161) (490,206,868,728) (55,201,242,758)
(74,076,438,420,646) (493,842,922,804) (55,201,242,758)
(74,625,482,586,208) (497,503,217,241) (55,201,242,758)
(75,178,187,046,208) (501,187,913,641) (55,201,242,758)
(75,734,576,202,607) (504,897,174,684) (59,191,745,060)
(76,298,665,122,351) (508,657,767,482) (59,191,745,060)
(76,866,514,634,893) (512,443,430,899) (59,191,745,060)
(77,438,149,810,853) (516,254,332,072) (59,191,745,060)
(78,013,595,887,985) (520,090,639,253) (59,191,745,060)
(78,592,878,272,299) (523,952,521,815) (59,191,745,060)
(79,176,022,539,174) (527,840,150,261) (59,191,745,060)
(79,763,054,434,495) (531,753,696,230) (59,191,745,060)
(80,353,999,875,785) (535,693,332,505) (59,191,745,060)
(80,948,884,953,351) (539,659,233,022) (59,191,745,060)
(81,547,735,931,433) (543,651,572,876) (59,191,745,060)
(82,150,579,249,369) (547,670,528,329) (59,191,745,060)
(82,757,441,522,759) (551,716,276,818) (63,470,721,097)
(83,372,628,520,674) (555,817,523,471) (63,470,721,097)
(83,991,916,765,241) (559,946,111,768) (63,470,721,097)
(84,615,333,598,106) (564,102,223,987) (63,470,721,097)
(85,242,906,543,190) (568,286,043,621) (63,470,721,097)
(85,874,663,307,908) (572,497,755,386) (63,470,721,097)
(86,510,631,784,390) (576,737,545,229) (63,470,721,097)
(87,150,840,050,716) (581,005,600,338) (63,470,721,097)
(87,795,316,372,151) (585,302,109,148) (63,470,721,097)
(88,444,089,202,395) (589,627,261,349) (63,470,721,097)
(89,097,187,184,841) (593,981,247,899) (63,470,721,097)
(89,754,639,153,836) (598,364,261,026) (63,470,721,097)
(90,416,474,135,958) (602,776,494,240) (68,059,024,657)
(91,087,309,654,855) (607,248,731,032) (68,059,024,657)
(91,762,617,410,544) (611,750,782,737) (68,059,024,657)
(92,442,427,217,937) (616,282,848,120) (68,059,024,657)
(93,126,769,090,713) (620,845,127,271) (68,059,024,657)
(93,815,673,242,641) (625,437,821,618) (68,059,024,657)
(94,509,170,088,915) (630,061,133,926) (68,059,024,657)
(95,207,290,247,498) (634,715,268,317) (68,059,024,657)
(95,910,064,540,471) (639,400,430,270) (68,059,024,657)
(96,617,523,995,398) (644,116,826,636) (68,059,024,657)
(97,329,699,846,690) (648,864,665,645) (68,059,024,657)
(98,046,623,536,992) (653,644,156,913) (68,059,024,657)
(98,768,326,718,562) (658,455,511,457) (72,979,017,052)
(99,499,761,247,071) (663,331,741,647) (72,979,017,052)
(100,236,072,005,770) (668,240,480,038) (72,979,017,052)
(100,977,291,502,860) (673,181,943,352) (72,979,017,052)
(101,723,452,463,265) (678,156,349,755) (72,979,017,052)
(102,474,587,830,072) (683,163,918,867) (72,979,017,052)
(103,230,730,765,991) (688,204,871,773) (72,979,017,052)
(103,991,914,654,816) (693,279,431,032) (72,979,017,052)
(104,758,173,102,900) (698,387,820,686) (72,979,017,052)
(105,529,539,940,638) (703,530,266,271) (72,979,017,052)
(106,306,049,223,961) (708,706,994,826) (72,979,017,052)
(107,087,735,235,840) (713,918,234,906) (72,979,017,052)
(107,874,632,487,797) (719,164,216,585) (78,254,676,096)
(108,672,051,380,478) (724,480,342,537) (78,254,676,096)
(109,474,786,399,110) (729,831,909,327) (78,254,676,096)
(110,282,872,984,533) (735,219,153,230) (78,254,676,096)
(111,096,346,813,859) (740,642,312,092) (78,254,676,096)
(111,915,243,802,047) (746,101,625,347) (78,254,676,096)
(112,739,600,103,489) (751,597,334,023) (78,254,676,096)
(113,569,452,113,608) (757,129,680,757) (78,254,676,096)
(114,404,836,470,461) (762,698,909,803) (78,254,676,096)
(115,245,790,056,359) (768,305,267,042) (78,254,676,096)
(116,092,349,999,497) (773,948,999,997) (78,254,676,096)
(116,944,553,675,590) (779,630,357,837) (78,254,676,096)
(117,802,438,709,522) (785,349,591,397) (83,911,712,958)
(118,671,700,013,877) (791,144,666,759) (83,911,712,958)
(119,546,756,393,594) (796,978,375,957) (83,911,712,958)
(120,427,646,482,509) (802,850,976,550) (83,911,712,958)
(121,314,409,172,017) (808,762,727,813) (83,911,712,958)
(122,207,083,612,788) (814,713,890,752) (83,911,712,958)
(123,105,709,216,498) (820,704,728,110) (83,911,712,958)
(124,010,325,657,566) (826,735,504,384) (83,911,712,958)
(124,920,972,874,907) (832,806,485,833) (83,911,712,958)
(125,837,691,073,698) (838,917,940,491) (83,911,712,958)
(126,760,520,727,147) (845,070,138,181) (83,911,712,958)
(127,689,502,578,286) (851,263,350,522) (83,911,712,958)
ap Anda mendepositokan uang yang Anda miliki di Bank masukkan pada asumsi bunga

kan juga tingkat inflasi

lah Angka pada kolom 4 hingga Angka pada bagian usia masa depan Anda sesuai dengan harapan

nilai pada kolom 4 yang akan kita kejar

ahlah ke bagian tab rencana


SALDO AKHIR
17,029,598,528
17,059,394,379
17,089,388,870
17,119,583,323
17,149,979,073
17,180,577,462
17,211,379,839
17,242,387,566
17,273,602,011
17,305,024,552
17,336,656,577
17,368,499,482
17,394,501,477
17,420,676,819
17,447,026,663
17,473,552,173
17,500,254,520
17,527,134,882
17,554,194,446
17,581,434,408
17,608,855,969
17,636,460,341
17,664,248,742
17,692,222,399
17,713,891,765
17,735,705,594
17,757,664,848
17,779,770,497
17,802,023,517
17,824,424,891
17,846,975,607
17,869,676,661
17,892,529,056
17,915,533,799
17,938,691,908
17,962,004,404
17,978,512,316
17,995,130,281
18,011,859,032
18,028,699,308
18,045,651,852
18,062,717,414
18,079,896,745
18,097,190,606
18,114,599,759
18,132,124,974
18,149,767,022
18,167,526,685
18,177,941,605
18,188,425,958
18,198,980,207
18,209,604,818
18,220,300,259
18,231,067,003
18,241,905,525
18,252,816,304
18,263,799,822
18,274,856,563
18,285,987,016
18,297,191,672
18,300,468,375
18,303,766,922
18,307,087,459
18,310,430,134
18,313,795,092
18,317,182,484
18,320,592,459
18,324,025,167
18,327,480,759
18,330,959,389
18,334,461,209
18,337,986,375
18,332,953,879
18,327,887,833
18,322,788,013
18,317,654,195
18,312,486,151
18,307,283,653
18,302,046,472
18,296,774,376
18,291,467,134
18,286,124,509
18,280,746,267
18,275,332,170
18,260,680,483
18,245,931,118
18,231,083,424
18,216,136,745
18,201,090,421
18,185,943,789
18,170,696,179
18,155,346,919
18,139,895,330
18,124,340,730
18,108,682,434
18,092,919,748
18,067,185,305
18,041,279,298
18,015,200,586
17,988,948,014
17,962,520,426
17,935,916,654
17,909,135,524
17,882,175,852
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(6,439,810,544,597)
(6,491,734,056,988)
(6,544,003,726,128)
(6,596,621,859,729)
(6,649,590,780,887)
(6,702,912,828,187)
(6,756,590,355,801)
(6,810,625,733,600)
(6,865,021,347,251)
(6,919,779,598,326)
(6,974,902,904,409)
(7,031,043,691,274)
(7,087,558,750,052)
(7,144,450,575,889)
(7,201,721,680,564)
(7,259,374,592,604)
(7,317,411,857,391)
(7,375,836,037,276)
(7,434,649,711,694)
(7,493,855,477,275)
(7,553,455,947,960)
(7,613,453,755,116)
(7,673,851,547,653)
(7,735,348,972,196)
(7,797,256,379,569)
(7,859,576,502,991)
(7,922,312,093,903)
(7,985,465,922,087)
(8,049,040,775,793)
(8,113,039,461,857)
(8,177,464,805,828)
(8,242,319,652,092)
(8,307,606,863,998)
(8,373,329,323,983)
(8,439,489,933,701)
(8,506,838,978,951)
(8,574,637,017,836)
(8,642,887,043,647)
(8,711,592,069,630)
(8,780,755,129,120)
(8,850,379,275,673)
(8,920,467,583,203)
(8,991,023,146,116)
(9,062,049,079,449)
(9,133,548,519,004)
(9,205,524,621,490)
(9,277,980,564,658)
(9,351,720,939,310)
(9,425,952,916,460)
(9,500,679,773,457)
(9,575,904,809,501)
(9,651,631,345,785)
(9,727,862,725,645)
(9,804,602,314,703)
(9,881,853,501,022)
(9,959,619,695,250)
(10,037,904,330,773)
(10,116,710,863,865)
(10,196,042,773,845)
(10,276,762,887,770)
(10,358,021,135,787)
(10,439,821,105,458)
(10,522,166,408,260)
(10,605,060,679,747)
(10,688,507,579,711)
(10,772,510,792,341)
(10,857,074,026,389)
(10,942,201,015,330)
(11,027,895,517,531)
(11,114,161,316,413)
(11,201,002,220,622)
(11,289,343,509,377)
(11,378,273,740,057)
(11,467,796,838,941)
(11,557,916,758,485)
(11,648,637,477,493)
(11,739,963,001,293)
(11,831,897,361,920)
(11,924,444,618,283)
(12,017,608,856,356)
(12,111,394,189,349)
(12,205,804,757,896)
(12,300,844,730,233)
(12,397,506,358,918)
(12,494,812,398,460)
(12,592,767,144,934)
(12,691,374,923,050)
(12,790,640,086,353)
(12,890,567,017,412)
(12,991,160,128,012)
(13,092,423,859,348)
(13,194,362,682,227)
(13,296,981,097,259)
(13,400,283,635,057)
(13,504,274,856,441)
(13,610,018,835,853)
(13,716,467,775,127)
(13,823,626,373,997)
(13,931,499,363,526)
(14,040,091,506,319)
(14,149,407,596,730)
(14,259,452,461,077)
(14,370,230,957,853)
(14,481,747,977,941)
(14,594,008,444,829)
(14,707,017,314,831)
(14,820,779,577,298)
(14,936,436,328,196)
(15,052,864,124,099)
(15,170,068,105,309)
(15,288,053,446,393)
(15,406,825,356,418)
(15,526,389,079,176)
(15,646,749,893,420)
(15,767,913,113,091)
(15,889,884,087,561)
(16,012,668,201,860)
(16,136,270,876,921)
(16,260,697,569,816)
(16,387,171,974,178)
(16,514,489,541,235)
(16,642,655,892,073)
(16,771,676,685,250)
(16,901,557,617,048)
(17,032,304,421,724)
(17,163,922,871,765)
(17,296,418,778,140)
(17,429,797,990,557)
(17,564,066,397,723)
(17,699,229,927,604)
(17,835,294,547,684)
(17,973,572,529,202)
(18,112,772,363,930)
(18,252,900,197,556)
(18,393,962,216,739)
(18,535,964,649,384)
(18,678,913,764,913)
(18,822,815,874,545)
(18,967,677,331,575)
(19,113,504,531,652)
(19,260,303,913,063)
(19,408,081,957,016)
(19,556,845,187,929)
(19,708,000,867,614)
(19,860,164,251,829)
(20,013,342,058,606)
(20,167,541,050,761)
(20,322,768,036,197)
(20,479,029,868,203)
(20,636,333,445,756)
(20,794,685,713,826)
(20,954,093,663,682)
(21,114,564,333,205)
(21,276,104,807,191)
(21,438,722,217,670)
(21,603,925,694,393)
(21,770,230,527,626)
(21,937,644,059,749)
(22,106,173,682,085)
(22,275,826,835,237)
(22,446,611,009,410)
(22,618,533,744,744)
(22,791,602,631,647)
(22,965,825,311,129)
(23,141,209,475,141)
(23,317,762,866,914)
(23,495,493,281,298)
(23,676,019,091,384)
(23,857,748,406,871)
(24,040,689,251,127)
(24,224,849,701,012)
(24,410,237,887,230)
(24,596,861,994,689)
(24,784,730,262,865)
(24,973,850,986,161)
(25,164,232,514,280)
(25,355,883,252,586)
(25,548,811,662,481)
(25,743,026,261,775)
(25,940,262,576,411)
(26,138,813,799,812)
(26,338,688,698,036)
(26,539,896,095,581)
(26,742,444,875,777)
(26,946,343,981,173)
(27,151,602,413,939)
(27,358,229,236,257)
(27,566,233,570,724)
(27,775,624,600,753)
(27,986,411,570,983)
(28,198,603,787,681)
(28,414,062,411,957)
(28,630,957,427,062)
(28,849,298,408,934)
(29,069,094,997,351)
(29,290,356,896,359)
(29,513,093,874,692)
(29,737,315,766,215)
(29,963,032,470,348)
(30,190,253,952,508)
(30,418,990,244,550)
(30,649,251,445,205)
(30,881,047,720,531)
(31,116,374,963,411)
(31,353,271,054,576)
(31,591,746,453,016)
(31,831,811,687,445)
(32,073,477,356,771)
(32,316,754,130,558)
(32,561,652,749,505)
(32,808,184,025,910)
(33,056,358,844,159)
(33,306,188,161,196)
(33,557,683,007,013)
(33,810,854,485,136)
(34,067,842,975,617)
(34,326,544,722,702)
(34,586,971,148,100)
(34,849,133,749,668)
(35,113,044,101,913)
(35,378,713,856,506)
(35,646,154,742,796)
(35,915,378,568,328)
(36,186,397,219,364)
(36,459,222,661,407)
(36,733,866,939,730)
(37,010,342,179,909)
(37,290,943,711,081)
(37,573,415,919,128)
(37,857,771,275,228)
(38,144,022,333,702)
(38,432,181,732,566)
(38,722,262,194,089)
(39,014,276,525,356)
(39,308,237,618,831)
(39,604,158,452,929)
(39,902,052,092,588)
(40,201,931,689,845)
(40,503,810,484,417)
(40,810,149,974,138)
(41,118,531,727,123)
(41,428,969,358,462)
(41,741,476,574,010)
(42,056,067,170,995)
(42,372,755,038,627)
(42,691,554,158,709)
(43,012,478,606,259)
(43,335,542,550,125)
(43,660,760,253,618)
(43,988,146,075,133)
(44,317,714,468,792)
(44,652,105,133,325)
(44,988,725,068,954)
(45,327,589,137,487)
(45,668,712,299,810)
(46,012,109,616,549)
(46,357,796,248,733)
(46,705,787,458,465)
(47,056,098,609,595)
(47,408,745,168,399)
(47,763,742,704,262)
(48,121,106,890,364)
(48,480,853,504,373)
(48,845,813,349,571)
(49,213,206,260,403)
(49,583,048,457,307)
(49,955,356,268,857)
(50,330,146,132,484)
(50,707,434,595,202)
(51,087,238,314,338)
(51,469,574,058,268)
(51,854,458,707,158)
(52,241,909,253,707)
(52,631,942,803,900)
(53,024,576,577,761)
(53,422,846,321,367)
(53,823,771,196,597)
(54,227,368,904,329)
(54,633,657,263,446)
(55,042,654,211,624)
(55,454,377,806,122)
(55,868,846,224,585)
(56,286,077,765,836)
(56,706,090,850,697)
(57,128,904,022,789)
(57,554,535,949,362)
(57,983,005,422,113)
(58,417,567,970,461)
(58,855,027,602,466)
(59,295,403,632,017)
(59,738,715,501,765)
(60,184,982,783,978)
(60,634,225,181,406)
(61,086,462,528,150)
(61,541,714,790,539)
(62,000,002,068,011)
(62,461,344,593,999)
(62,925,762,736,827)
(63,393,277,000,607)
(63,867,378,613,568)
(64,344,640,903,948)
(64,825,084,942,932)
(65,308,731,942,175)
(65,795,603,254,746)
(66,285,720,376,068)
(66,779,104,944,865)
(67,275,778,744,121)
(67,775,763,702,039)
(68,279,081,893,009)
(68,785,755,538,586)
(69,295,807,008,467)
(69,812,980,297,948)
(70,333,601,409,359)
(70,857,693,328,179)
(71,385,279,193,124)
(71,916,382,297,170)
(72,451,026,088,575)
(72,989,234,171,924)
(73,531,030,309,161)
(74,076,438,420,646)
(74,625,482,586,208)
(75,178,187,046,208)
(75,734,576,202,607)
(76,298,665,122,351)
(76,866,514,634,893)
(77,438,149,810,853)
(78,013,595,887,985)
(78,592,878,272,299)
(79,176,022,539,174)
(79,763,054,434,495)
(80,353,999,875,785)
(80,948,884,953,351)
(81,547,735,931,433)
(82,150,579,249,369)
(82,757,441,522,759)
(83,372,628,520,674)
(83,991,916,765,241)
(84,615,333,598,106)
(85,242,906,543,190)
(85,874,663,307,908)
(86,510,631,784,390)
(87,150,840,050,716)
(87,795,316,372,151)
(88,444,089,202,395)
(89,097,187,184,841)
(89,754,639,153,836)
(90,416,474,135,958)
(91,087,309,654,855)
(91,762,617,410,544)
(92,442,427,217,937)
(93,126,769,090,713)
(93,815,673,242,641)
(94,509,170,088,915)
(95,207,290,247,498)
(95,910,064,540,471)
(96,617,523,995,398)
(97,329,699,846,690)
(98,046,623,536,992)
(98,768,326,718,562)
(99,499,761,247,071)
(100,236,072,005,770)
(100,977,291,502,860)
(101,723,452,463,265)
(102,474,587,830,072)
(103,230,730,765,991)
(103,991,914,654,816)
(104,758,173,102,900)
(105,529,539,940,638)
(106,306,049,223,961)
(107,087,735,235,840)
(107,874,632,487,797)
(108,672,051,380,478)
(109,474,786,399,110)
(110,282,872,984,533)
(111,096,346,813,859)
(111,915,243,802,047)
(112,739,600,103,489)
(113,569,452,113,608)
(114,404,836,470,461)
(115,245,790,056,359)
(116,092,349,999,497)
(116,944,553,675,590)
(117,802,438,709,522)
(118,671,700,013,877)
(119,546,756,393,594)
(120,427,646,482,509)
(121,314,409,172,017)
(122,207,083,612,788)
(123,105,709,216,498)
(124,010,325,657,566)
(124,920,972,874,907)
(125,837,691,073,698)
(126,760,520,727,147)
(127,689,502,578,286)
(128,624,677,641,766)
Prinsip Anuitas

Tabungan Awal 4,143,658 < Tabungan kita setiap bulan


Waktu (Bulan) 30 < Jangka waktu menabung dalam hitungan bulan
Bunga (Tahun) 0.18 < Bunga dalam 1 tahun dalam bentuk desimal
Bunga (Bulan) 0.015

1.015
1.5630802205
0.5630802205
2333211.8603
Tabungan Akhir 155,547,457 < Uang yang diterima setelah menabung

Tabungan Akhir 1,000,000 < Uang yang diharapkan kita terima


Waktu (Bulan) 360 < Jangka waktu menabung dalam hitungan bulan
Bunga (Tahun) 0.15 < Bunga dalam 1 tahun dalam bentuk desimal
Bunga (Bulan) 0.0125
12500
86.540995136
Tabungan Awal 144 < Uang yang harus kita tabungkan setiap bulan

www.Treinamento.co.id/investment
Twitter @RyanFilbert

Materi Pelengkap "Menjadi Kaya dan Terencana dengan Rek


g dalam hitungan bulan
alam bentuk desimal

elah menabung

1. Gunakan Angka yang Anda dapatkan pada tab FinFreedom


g dalam hitungan bulan 2. Masukkan waktu dengan jumlah lamanya bulan Anda akan pensiun
alam bentuk desimal 3. Masukkan harapan return atau bunga dalam 1 tahun
4. Pada kolom tabungan awal adalah uang yang harus kita siapkan setiap bulan untuk investasi

bungkan setiap bulan

ana dengan Reksadana"


ulan untuk investasi
Acuan bunga 5% untuk 12-24 bulan
Acuan bunga 10% sampai dengan 48 bulan
Acuan bunga 15% diatas 48 bulan

Jenis Kebutuhan Dana Dibutuhkan


Tahun 1 0
Tahun 2 0
Tahun 3 0
Tahun 4 0
Tahun 5 0
Tahun 6 227,113,300
Tahun 7 137,570,950
Tahun 8 86,385,880
Tahun 9 93,723,202
Tahun 10 97,048,352
Tahun 11 53,783,512
Tahun 12 43,033,512
Tahun 13 43,033,512
Tahun 14 43,033,512
Tahun 15 43,033,512
Tahun 16 9,000,000
Tahun 17 39,700,000
Tahun 18 17,400,000
Tahun 19 57,400,000
Tahun 20 17,400,000
Tahun 21 17,400,000
Tahun 22 23,400,000
Tahun 23 92,900,000
Tahun 24 23,400,000
Tahun 25 23,400,000
Tahun 26
Tahun 27
Tahun 28
Tahun 29
Tahun 30 6,700,000,000

Anda harus nabung perbulan 4,839,538


Berapa bulan lagi? Bunga /tahun Nabung/bulan bunga/bln nominal bunga
12 5% - 0.00416667 0 0.0511619
24 5% - 0.00416667 0 0.10494134
36 5% - 0.00416667 0 0.16147223
48 5% - 0.00416667 0 0.22089536
60 5% - 0.00416667 0 0.28335868
72 15% 1,963,398 0.0125 2838916.25 1.44592027
84 15% 935,036 0.0125 1719636.88 1.839113
96 15% 470,406 0.0125 1079823.5 2.29551324
108 15% 414,663 0.0125 1171540.03 2.82528188
120 15% 352,625 0.0125 1213104.4 3.44021323
132 15% 161,843 0.0125 672293.9 4.15399757
144 15% 107,961 0.0125 537918.9 4.98252596
156 15% 90,494 0.0125 537918.9 5.94424403
168 15% 76,186 0.0125 537918.9 7.06056263
180 15% 64,373 0.0125 537918.9 8.35633449
192 15% 11,409 0.0125 112500 9.86040753
204 15% 42,757 0.0125 496250 11.6062671
216 15% 15,954 0.0125 217500 13.6327815
228 15% 44,886 0.0125 717500 15.9850672
240 15% 11,621 0.0125 217500 18.7154935
252 15% 9,938 0.0125 217500 21.8848482
264 15% 11,442 0.0125 292500 25.5636909
276 15% 38,924 0.0125 1161250 29.8339242
288 15% 8,407 0.0125 292500 34.7906168
300 15% 7,214 0.0125 292500 40.5441202
312 15% - 0.0125 0 47.2225252
324 15% - 0.0125 0 54.974514
336 15% - 0.0125 0 63.97267
348 15% - 0.0125 0 74.4173202
360 15% 967,749 0.0125 83750000 86.5409951

4,839,538
Acuan bunga 5% untuk 12-24 bulan
Acuan bunga 10% sampai dengan 48 bulan
Acuan bunga 15% diatas 48 bulan

Jenis Kebutuhan Dana Dibutuhkan


Tahun 1 227,113,300
Tahun 2 137,570,950
Tahun 3 86,385,880
Tahun 4 93,723,202
Tahun 5 97,048,352
Tahun 6 53,783,512
Tahun 7 43,033,512
Tahun 8 43,033,512
Tahun 9 43,033,512
Tahun 10 43,033,512
Tahun 11 9,000,000
Tahun 12 39,700,000
Tahun 13 17,400,000
Tahun 14 57,400,000
Tahun 15 17,400,000
Tahun 16 17,400,000
Tahun 17 23,400,000
Tahun 18 92,900,000
Tahun 19 23,400,000
Tahun 20 23,400,000
Tahun 21 -
Tahun 22 -
Tahun 23 -
Tahun 24 -
Tahun 25 -
Tahun 26
Tahun 27
Tahun 28
Tahun 29
Tahun 30 6,700,000,000

Anda harus nabung perbulan 32,015,369


Berapa bulan lagi? Bunga /tahun Nabung/bulan bunga/bln nominal bunga
12 5% 18,496,292 0.00416667 946305.417 0.0511619
24 5% 5,462,216 0.00416667 573212.292 0.10494134
36 7% 2,163,428 0.00583333 503917.633 0.23292559
48 7% 1,697,600 0.00583333 546718.678 0.32205388
60 7% 1,355,558 0.00583333 566115.387 0.41762526
72 7% 603,218 0.00583333 313737.153 0.5201055
84 7% 398,462 0.00583333 251028.82 0.62999405
96 7% 335,678 0.00583333 251028.82 0.74782646
108 7% 287,160 0.00583333 251028.82 0.87417697
120 7% 248,627 0.00583333 251028.82 1.00966138
132 7% 45,457 0.00583333 52500 1.15493996
144 7% 176,684 0.00583333 231583.333 1.31072074
156 7% 68,685 0.00583333 101500 1.47776293
168 7% 202,087 0.00583333 334833.333 1.65688062
180 7% 54,896 0.00583333 101500 1.84894673
192 7% 49,394 0.00583333 101500 2.05489732
204 7% 59,981 0.00583333 136500 2.27573609
216 7% 215,685 0.00583333 541916.667 2.51253932
228 7% 49,341 0.00583333 136500 2.76646107
240 7% 44,920 0.00583333 136500 3.03873885
252 7% - 0.00583333 0 3.33069961
264 7% - 0.00583333 0 3.64376623
276 7% - 0.00583333 0 3.97946447
288 7% - 0.00583333 0 4.33943036
300 7% - 0.00583333 0 4.72541821
312 7% - 0.00583333 0 5.13930915
324 7% - 0.00583333 0 5.58312031
336 7% - 0.00583333 0 6.05901461
348 7% - 0.00583333 0 6.56931135
360 7% 5,491,934 0.00583333 39083333.3 7.11649748
32,015,369

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