- 投資を始めてみたいけど、どれくらいお金が増えるのかわからない
- 実際に手を動かして、計算してみたい
このような人に向けて記事を書いている。
記事の終わりでは、数カ所記入するだけで自動で計算してくれるExcelのテンプレートを配布しているため、ぜひ最後まで見てほしい。
前提条件
計算するにあたって、前提条件を共有したい。
- 年始に一括で入金する（ボーナス月などは設定しない）
- 毎年一定の割合で増える（実際はある程度変動する）
毎月5万円入金、年利4%の場合
| 年 | 年初残高 | 年増加額 | 利息 | 年末残高 | 投資額累計 |
| 1 | ¥0 | ¥600,000 | ¥24,000 | ¥624,000 | ¥600,000 |
| 2 | ¥624,000 | ¥600,000 | ¥48,960 | ¥1,272,960 | ¥1,200,000 |
| 3 | ¥1,272,960 | ¥600,000 | ¥74,918 | ¥1,947,878 | ¥1,800,000 |
| 4 | ¥1,947,878 | ¥600,000 | ¥101,915 | ¥2,649,794 | ¥2,400,000 |
| 5 | ¥2,649,794 | ¥600,000 | ¥129,992 | ¥3,379,785 | ¥3,000,000 |
| 6 | ¥3,379,785 | ¥600,000 | ¥159,191 | ¥4,138,977 | ¥3,600,000 |
| 7 | ¥4,138,977 | ¥600,000 | ¥189,559 | ¥4,928,536 | ¥4,200,000 |
| 8 | ¥4,928,536 | ¥600,000 | ¥221,141 | ¥5,749,677 | ¥4,800,000 |
| 9 | ¥5,749,677 | ¥600,000 | ¥253,987 | ¥6,603,664 | ¥5,400,000 |
| 10 | ¥6,603,664 | ¥600,000 | ¥288,147 | ¥7,491,811 | ¥6,000,000 |
| 11 | ¥7,491,811 | ¥600,000 | ¥323,672 | ¥8,415,483 | ¥6,600,000 |
| 12 | ¥8,415,483 | ¥600,000 | ¥360,619 | ¥9,376,103 | ¥7,200,000 |
| 13 | ¥9,376,103 | ¥600,000 | ¥399,044 | ¥10,375,147 | ¥7,800,000 |
| 14 | ¥10,375,147 | ¥600,000 | ¥439,006 | ¥11,414,153 | ¥8,400,000 |
| 15 | ¥11,414,153 | ¥600,000 | ¥480,566 | ¥12,494,719 | ¥9,000,000 |
| 16 | ¥12,494,719 | ¥600,000 | ¥523,789 | ¥13,618,507 | ¥9,600,000 |
| 17 | ¥13,618,507 | ¥600,000 | ¥568,740 | ¥14,787,248 | ¥10,200,000 |
| 18 | ¥14,787,248 | ¥600,000 | ¥615,490 | ¥16,002,738 | ¥10,800,000 |
| 19 | ¥16,002,738 | ¥600,000 | ¥664,110 | ¥17,266,847 | ¥11,400,000 |
| 20 | ¥17,266,847 | ¥600,000 | ¥714,674 | ¥18,581,521 | ¥12,000,000 |
| 21 | ¥18,581,521 | ¥600,000 | ¥767,261 | ¥19,948,782 | ¥12,600,000 |
| 22 | ¥19,948,782 | ¥600,000 | ¥821,951 | ¥21,370,733 | ¥13,200,000 |
| 23 | ¥21,370,733 | ¥600,000 | ¥878,829 | ¥22,849,562 | ¥13,800,000 |
| 24 | ¥22,849,562 | ¥600,000 | ¥937,982 | ¥24,387,545 | ¥14,400,000 |
| 25 | ¥24,387,545 | ¥600,000 | ¥999,502 | ¥25,987,047 | ¥15,000,000 |
| 26 | ¥25,987,047 | ¥600,000 | ¥1,063,482 | ¥27,650,529 | ¥15,600,000 |
| 27 | ¥27,650,529 | ¥600,000 | ¥1,130,021 | ¥29,380,550 | ¥16,200,000 |
| 28 | ¥29,380,550 | ¥600,000 | ¥1,199,222 | ¥31,179,772 | ¥16,800,000 |
| 29 | ¥31,179,772 | ¥600,000 | ¥1,271,191 | ¥33,050,963 | ¥17,400,000 |
| 30 | ¥33,050,963 | ¥600,000 | ¥1,346,039 | ¥34,997,001 | ¥18,000,000 |
毎月5万円入金、年利8%の場合
| 年 | 年初残高 | 年増加額 | 利息 | 年末残高 | 投資額累計 |
| 1 | ¥0 | ¥600,000 | ¥48,000 | ¥648,000 | ¥600,000 |
| 2 | ¥648,000 | ¥600,000 | ¥99,840 | ¥1,347,840 | ¥1,200,000 |
| 3 | ¥1,347,840 | ¥600,000 | ¥155,827 | ¥2,103,667 | ¥1,800,000 |
| 4 | ¥2,103,667 | ¥600,000 | ¥216,293 | ¥2,919,961 | ¥2,400,000 |
| 5 | ¥2,919,961 | ¥600,000 | ¥281,597 | ¥3,801,557 | ¥3,000,000 |
| 6 | ¥3,801,557 | ¥600,000 | ¥352,125 | ¥4,753,682 | ¥3,600,000 |
| 7 | ¥4,753,682 | ¥600,000 | ¥428,295 | ¥5,781,977 | ¥4,200,000 |
| 8 | ¥5,781,977 | ¥600,000 | ¥510,558 | ¥6,892,535 | ¥4,800,000 |
| 9 | ¥6,892,535 | ¥600,000 | ¥599,403 | ¥8,091,937 | ¥5,400,000 |
| 10 | ¥8,091,937 | ¥600,000 | ¥695,355 | ¥9,387,292 | ¥6,000,000 |
| 11 | ¥9,387,292 | ¥600,000 | ¥798,983 | ¥10,786,276 | ¥6,600,000 |
| 12 | ¥10,786,276 | ¥600,000 | ¥910,902 | ¥12,297,178 | ¥7,200,000 |
| 13 | ¥12,297,178 | ¥600,000 | ¥1,031,774 | ¥13,928,952 | ¥7,800,000 |
| 14 | ¥13,928,952 | ¥600,000 | ¥1,162,316 | ¥15,691,268 | ¥8,400,000 |
| 15 | ¥15,691,268 | ¥600,000 | ¥1,303,301 | ¥17,594,570 | ¥9,000,000 |
| 16 | ¥17,594,570 | ¥600,000 | ¥1,455,566 | ¥19,650,135 | ¥9,600,000 |
| 17 | ¥19,650,135 | ¥600,000 | ¥1,620,011 | ¥21,870,146 | ¥10,200,000 |
| 18 | ¥21,870,146 | ¥600,000 | ¥1,797,612 | ¥24,267,758 | ¥10,800,000 |
| 19 | ¥24,267,758 | ¥600,000 | ¥1,989,421 | ¥26,857,179 | ¥11,400,000 |
| 20 | ¥26,857,179 | ¥600,000 | ¥2,196,574 | ¥29,653,753 | ¥12,000,000 |
| 21 | ¥29,653,753 | ¥600,000 | ¥2,420,300 | ¥32,674,053 | ¥12,600,000 |
| 22 | ¥32,674,053 | ¥600,000 | ¥2,661,924 | ¥35,935,977 | ¥13,200,000 |
| 23 | ¥35,935,977 | ¥600,000 | ¥2,922,878 | ¥39,458,856 | ¥13,800,000 |
| 24 | ¥39,458,856 | ¥600,000 | ¥3,204,708 | ¥43,263,564 | ¥14,400,000 |
| 25 | ¥43,263,564 | ¥600,000 | ¥3,509,085 | ¥47,372,649 | ¥15,000,000 |
| 26 | ¥47,372,649 | ¥600,000 | ¥3,837,812 | ¥51,810,461 | ¥15,600,000 |
| 27 | ¥51,810,461 | ¥600,000 | ¥4,192,837 | ¥56,603,298 | ¥16,200,000 |
| 28 | ¥56,603,298 | ¥600,000 | ¥4,576,264 | ¥61,779,562 | ¥16,800,000 |
| 29 | ¥61,779,562 | ¥600,000 | ¥4,990,365 | ¥67,369,927 | ¥17,400,000 |
| 30 | ¥67,369,927 | ¥600,000 | ¥5,437,594 | ¥73,407,521 | ¥18,000,000 |
毎月5万円入金、年利12%の場合
| 年 | 年初残高 | 年増加額 | 利息 | 年末残高 | 投資額累計 |
| 1 | ¥0 | ¥600,000 | ¥72,000 | ¥672,000 | ¥600,000 |
| 2 | ¥672,000 | ¥600,000 | ¥152,640 | ¥1,424,640 | ¥1,200,000 |
| 3 | ¥1,424,640 | ¥600,000 | ¥242,957 | ¥2,267,597 | ¥1,800,000 |
| 4 | ¥2,267,597 | ¥600,000 | ¥344,112 | ¥3,211,708 | ¥2,400,000 |
| 5 | ¥3,211,708 | ¥600,000 | ¥457,405 | ¥4,269,113 | ¥3,000,000 |
| 6 | ¥4,269,113 | ¥600,000 | ¥584,294 | ¥5,453,407 | ¥3,600,000 |
| 7 | ¥5,453,407 | ¥600,000 | ¥726,409 | ¥6,779,816 | ¥4,200,000 |
| 8 | ¥6,779,816 | ¥600,000 | ¥885,578 | ¥8,265,394 | ¥4,800,000 |
| 9 | ¥8,265,394 | ¥600,000 | ¥1,063,847 | ¥9,929,241 | ¥5,400,000 |
| 10 | ¥9,929,241 | ¥600,000 | ¥1,263,509 | ¥11,792,750 | ¥6,000,000 |
| 11 | ¥11,792,750 | ¥600,000 | ¥1,487,130 | ¥13,879,880 | ¥6,600,000 |
| 12 | ¥13,879,880 | ¥600,000 | ¥1,737,586 | ¥16,217,466 | ¥7,200,000 |
| 13 | ¥16,217,466 | ¥600,000 | ¥2,018,096 | ¥18,835,561 | ¥7,800,000 |
| 14 | ¥18,835,561 | ¥600,000 | ¥2,332,267 | ¥21,767,829 | ¥8,400,000 |
| 15 | ¥21,767,829 | ¥600,000 | ¥2,684,139 | ¥25,051,968 | ¥9,000,000 |
| 16 | ¥25,051,968 | ¥600,000 | ¥3,078,236 | ¥28,730,204 | ¥9,600,000 |
| 17 | ¥28,730,204 | ¥600,000 | ¥3,519,625 | ¥32,849,829 | ¥10,200,000 |
| 18 | ¥32,849,829 | ¥600,000 | ¥4,013,979 | ¥37,463,808 | ¥10,800,000 |
| 19 | ¥37,463,808 | ¥600,000 | ¥4,567,657 | ¥42,631,465 | ¥11,400,000 |
| 20 | ¥42,631,465 | ¥600,000 | ¥5,187,776 | ¥48,419,241 | ¥12,000,000 |
| 21 | ¥48,419,241 | ¥600,000 | ¥5,882,309 | ¥54,901,550 | ¥12,600,000 |
| 22 | ¥54,901,550 | ¥600,000 | ¥6,660,186 | ¥62,161,736 | ¥13,200,000 |
| 23 | ¥62,161,736 | ¥600,000 | ¥7,531,408 | ¥70,293,145 | ¥13,800,000 |
| 24 | ¥70,293,145 | ¥600,000 | ¥8,507,177 | ¥79,400,322 | ¥14,400,000 |
| 25 | ¥79,400,322 | ¥600,000 | ¥9,600,039 | ¥89,600,361 | ¥15,000,000 |
| 26 | ¥89,600,361 | ¥600,000 | ¥10,824,043 | ¥101,024,404 | ¥15,600,000 |
| 27 | ¥101,024,404 | ¥600,000 | ¥12,194,928 | ¥113,819,332 | ¥16,200,000 |
| 28 | ¥113,819,332 | ¥600,000 | ¥13,730,320 | ¥128,149,652 | ¥16,800,000 |
| 29 | ¥128,149,652 | ¥600,000 | ¥15,449,958 | ¥144,199,611 | ¥17,400,000 |
| 30 | ¥144,199,611 | ¥600,000 | ¥17,375,953 | ¥162,175,564 | ¥18,000,000 |
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