ライフプラン・保険の窓口(ホームへ) >利率・金利 > 毎月積立受取速見表
毎月積み立てて、それが何倍になるか一覧表を作成しました。
毎月1万円ずつ積み立てて、何万円になるかと見ていただければ良いです。
2万円なら2倍、3万円なら3倍してください。
例えば0.5パーセントなら、0.5%割る12して、それを毎月の額1万円にかけています。
初月は月末入金で0、2ヶ月目以降は前月末にある、残高に対してかけています。
毎月1万円ずつ貯めれば30年後で比べると、利率0.5%元金360万円に対して388万円と、たった28万円しか付いていません。
それに対して利率2%で493万円で133万円もの利息が、利率6%では1005万円にもなっており、約3倍にもなっています。
利率12%ではなんと、3494万円になっており、約10倍近いお金になっています。
何パーセントで運用するかによってぜんぜん変わってくるので、利率は本当に大切です。
年/利率 | 元金 | 0.5 | 1 | 1.5 | 2 | 2.5 | 3 | 3.5 | 4 | 4.5 | 5 | 5.5 | 6 | 6.5 | 7 | 7.5 | 8 | 8.5 | 9 | 9.5 | 10 | 10.5 | 11 | 11.5 | 12 | ||
1 | 12 | 12.028 | 12.055 | 12.083 | 12.111 | 12.138 | 12.166 | 12.194 | 12.222 | 12.251 | 12.279 | 12.307 | 12.336 | 12.364 | 12.393 | 12.421 | 12.450 | 12.479 | 12.508 | 12.537 | 12.566 | 12.595 | 12.624 | 12.653 | 12.683 | ||
2 | 24 | 24.115 | 24.231 | 24.348 | 24.466 | 24.584 | 24.703 | 24.822 | 24.943 | 25.064 | 25.186 | 25.309 | 25.432 | 25.556 | 25.681 | 25.807 | 25.933 | 26.060 | 26.188 | 26.317 | 26.447 | 26.577 | 26.709 | 26.841 | 26.973 | ||
3 | 36 | 36.264 | 36.530 | 36.799 | 37.070 | 37.344 | 37.621 | 37.900 | 38.182 | 38.466 | 38.753 | 39.043 | 39.336 | 39.632 | 39.930 | 40.231 | 40.536 | 40.843 | 41.153 | 41.466 | 41.782 | 42.101 | 42.423 | 42.748 | 43.077 | ||
4 | 48 | 48.473 | 48.952 | 49.437 | 49.929 | 50.427 | 50.931 | 51.442 | 51.960 | 52.484 | 53.015 | 53.553 | 54.098 | 54.650 | 55.209 | 55.776 | 56.350 | 56.931 | 57.521 | 58.118 | 58.722 | 59.335 | 59.956 | 60.585 | 61.223 | ||
5 | 60 | 60.743 | 61.499 | 62.267 | 63.047 | 63.841 | 64.647 | 65.466 | 66.299 | 67.146 | 68.006 | 68.881 | 69.770 | 70.674 | 71.593 | 72.527 | 73.477 | 74.442 | 75.424 | 76.422 | 77.437 | 78.469 | 79.518 | 80.585 | 81.670 | ||
6 | 72 | 73.075 | 74.172 | 75.290 | 76.431 | 77.593 | 78.779 | 79.989 | 81.223 | 82.481 | 83.764 | 85.073 | 86.409 | 87.771 | 89.161 | 90.579 | 92.025 | 93.501 | 95.007 | 96.544 | 98.111 | 99.711 | 101.344 | 103.010 | 104.710 | ||
7 | 84 | 85.469 | 86.972 | 88.510 | 90.084 | 91.694 | 93.342 | 95.028 | 96.754 | 98.521 | 100.329 | 102.179 | 104.074 | 106.013 | 107.999 | 110.032 | 112.113 | 114.245 | 116.427 | 118.662 | 120.950 | 123.294 | 125.695 | 128.154 | 130.672 | ||
8 | 96 | 97.925 | 99.901 | 101.930 | 104.013 | 106.151 | 108.347 | 110.603 | 112.919 | 115.297 | 117.741 | 120.250 | 122.829 | 125.477 | 128.199 | 130.995 | 133.869 | 136.821 | 139.856 | 142.975 | 146.181 | 149.476 | 152.864 | 156.347 | 159.927 | ||
9 | 108 | 110.443 | 112.960 | 115.552 | 118.223 | 120.974 | 123.809 | 126.731 | 129.741 | 132.845 | 136.043 | 139.341 | 142.740 | 146.245 | 149.859 | 153.586 | 157.430 | 161.394 | 165.483 | 169.702 | 174.054 | 178.544 | 183.177 | 187.958 | 192.893 | ||
10 | 120 | 123.024 | 126.150 | 129.380 | 132.720 | 136.172 | 139.741 | 143.433 | 147.250 | 151.198 | 155.282 | 159.508 | 163.879 | 168.403 | 173.085 | 177.930 | 182.946 | 188.138 | 193.514 | 199.081 | 204.845 | 210.815 | 216.998 | 223.403 | 230.039 | ||
11 | 132 | 135.668 | 139.472 | 143.417 | 147.509 | 151.754 | 156.158 | 160.728 | 165.471 | 170.395 | 175.506 | 180.812 | 186.323 | 192.045 | 197.990 | 204.165 | 210.580 | 217.247 | 224.175 | 231.375 | 238.860 | 246.642 | 254.733 | 263.146 | 271.896 | ||
12 | 144 | 148.376 | 152.929 | 157.666 | 162.597 | 167.730 | 173.074 | 178.639 | 184.435 | 190.473 | 196.764 | 203.319 | 210.150 | 217.271 | 224.695 | 232.436 | 240.508 | 248.928 | 257.712 | 266.875 | 276.438 | 286.417 | 296.834 | 307.708 | 319.062 | ||
13 | 156 | 161.147 | 166.520 | 172.130 | 177.990 | 184.110 | 190.505 | 197.187 | 204.172 | 211.474 | 219.109 | 227.095 | 235.447 | 244.186 | 253.331 | 262.902 | 272.920 | 283.410 | 294.394 | 305.899 | 317.950 | 330.576 | 343.807 | 357.674 | 372.209 | ||
14 | 168 | 173.982 | 180.248 | 186.813 | 193.693 | 200.904 | 208.466 | 216.395 | 224.713 | 233.440 | 242.598 | 252.212 | 262.305 | 272.904 | 284.037 | 295.733 | 308.023 | 320.940 | 334.518 | 348.795 | 363.809 | 379.602 | 396.216 | 413.698 | 432.097 | ||
15 | 180 | 186.882 | 194.114 | 201.717 | 209.713 | 218.123 | 226.973 | 236.286 | 246.090 | 256.415 | 267.289 | 278.746 | 290.819 | 303.545 | 316.962 | 331.112 | 346.038 | 361.786 | 378.406 | 395.949 | 414.470 | 434.030 | 454.690 | 476.516 | 499.580 | ||
16 | 192 | 199.846 | 208.119 | 216.847 | 226.057 | 235.778 | 246.043 | 256.884 | 268.339 | 280.445 | 293.243 | 306.776 | 321.091 | 336.238 | 352.268 | 369.239 | 387.209 | 406.244 | 426.410 | 447.782 | 470.436 | 494.456 | 519.930 | 546.951 | 575.622 | ||
17 | 204 | 212.875 | 222.265 | 232.205 | 242.730 | 253.879 | 265.693 | 278.215 | 291.494 | 305.579 | 320.525 | 336.388 | 353.231 | 371.120 | 390.126 | 410.325 | 431.797 | 454.631 | 478.918 | 504.760 | 532.263 | 561.542 | 592.719 | 625.927 | 661.308 | ||
18 | 216 | 225.969 | 236.553 | 247.795 | 259.740 | 272.438 | 285.940 | 300.305 | 315.592 | 331.868 | 349.202 | 367.670 | 387.353 | 408.339 | 430.721 | 454.601 | 480.086 | 507.295 | 536.352 | 567.393 | 600.563 | 636.020 | 673.932 | 714.480 | 757.861 | ||
19 | 228 | 239.129 | 250.985 | 263.620 | 277.093 | 291.466 | 306.804 | 323.180 | 340.673 | 359.365 | 379.347 | 400.717 | 423.580 | 448.050 | 474.250 | 502.314 | 532.383 | 564.614 | 599.173 | 636.242 | 676.016 | 718.706 | 764.542 | 813.771 | 866.659 | ||
20 | 240 | 252.355 | 265.561 | 279.685 | 294.797 | 310.975 | 328.302 | 346.869 | 366.775 | 388.124 | 411.034 | 435.627 | 462.041 | 490.421 | 520.927 | 553.731 | 589.020 | 626.999 | 667.887 | 711.924 | 759.369 | 810.505 | 865.638 | 925.101 | 989.255 | ||
21 | 252 | 265.647 | 280.284 | 295.992 | 312.858 | 330.977 | 350.454 | 371.401 | 393.940 | 418.205 | 444.342 | 472.507 | 502.874 | 535.629 | 570.977 | 609.139 | 650.359 | 694.899 | 743.047 | 795.117 | 851.450 | 912.420 | 978.433 | 1049.931 | 1127.400 | ||
22 | 264 | 279.006 | 295.155 | 312.545 | 331.283 | 351.486 | 373.280 | 396.805 | 422.212 | 449.668 | 479.354 | 511.468 | 546.226 | 583.865 | 624.646 | 668.850 | 716.788 | 768.800 | 825.257 | 886.567 | 953.174 | 1025.567 | 1104.279 | 1189.898 | 1283.065 | ||
23 | 276 | 292.432 | 310.175 | 329.349 | 350.081 | 372.513 | 396.800 | 423.112 | 451.636 | 482.577 | 516.158 | 552.626 | 592.251 | 635.332 | 682.194 | 733.196 | 788.731 | 849.234 | 915.180 | 987.093 | 1065.549 | 1151.182 | 1244.689 | 1346.838 | 1458.473 | ||
24 | 288 | 305.925 | 325.347 | 346.406 | 369.257 | 394.071 | 421.035 | 450.355 | 482.259 | 516.997 | 554.844 | 596.105 | 641.116 | 690.245 | 743.902 | 802.537 | 866.645 | 936.777 | 1013.538 | 1097.596 | 1189.692 | 1290.641 | 1401.347 | 1522.808 | 1656.126 | ||
25 | 300 | 319.485 | 340.670 | 363.721 | 388.821 | 416.175 | 446.008 | 478.568 | 514.130 | 552.998 | 595.510 | 642.037 | 692.994 | 748.837 | 810.072 | 877.261 | 951.026 | 1032.058 | 1121.122 | 1219.066 | 1326.833 | 1445.469 | 1576.133 | 1720.115 | 1878.847 | ||
26 | 312 | 333.114 | 356.148 | 381.297 | 408.780 | 438.838 | 471.740 | 507.783 | 547.298 | 590.653 | 638.256 | 690.561 | 748.072 | 811.352 | 881.024 | 957.786 | 1042.411 | 1135.762 | 1238.798 | 1352.592 | 1478.336 | 1617.359 | 1771.145 | 1941.349 | 2129.814 | ||
27 | 324 | 346.811 | 371.781 | 399.139 | 429.141 | 462.074 | 498.255 | 538.038 | 581.819 | 630.038 | 683.189 | 741.821 | 806.547 | 878.053 | 957.106 | 1044.563 | 1141.381 | 1248.631 | 1367.514 | 1499.370 | 1645.702 | 1808.192 | 1988.724 | 2189.408 | 2412.610 | ||
28 | 336 | 360.577 | 387.571 | 417.250 | 449.914 | 485.898 | 525.576 | 569.369 | 617.745 | 671.233 | 730.421 | 795.972 | 868.628 | 949.222 | 1038.688 | 1138.076 | 1248.565 | 1371.478 | 1508.304 | 1660.716 | 1830.595 | 2020.056 | 2231.481 | 2467.548 | 2731.272 | ||
29 | 348 | 374.411 | 403.519 | 435.635 | 471.106 | 510.324 | 553.728 | 601.814 | 655.136 | 714.320 | 780.070 | 853.179 | 934.539 | 1025.157 | 1126.168 | 1238.849 | 1364.645 | 1505.183 | 1662.301 | 1838.074 | 2034.847 | 2255.268 | 2502.329 | 2779.414 | 3090.348 | ||
30 | 360 | 388.315 | 419.628 | 454.297 | 492.725 | 535.368 | 582.737 | 635.413 | 694.049 | 759.386 | 832.259 | 913.612 | 1004.515 | 1106.178 | 1219.971 | 1347.445 | 1490.359 | 1650.706 | 1830.743 | 2033.035 | 2260.488 | 2516.401 | 2804.520 | 3129.097 | 3494.964 |