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[null,"Ile odkładać na emeryturę, abyś mógł żyć, jak chcesz?"]
[null,"Ten plik jest dodatkiem do artykułu na blogu Finanse Bardzo Osobiste:",null,null,"https://marciniwuc.com/jak-obliczyc-emeryture/"]
[]
[null,"Założenia:",null,"Edytuj tylko te wartości, które są w niebieskich polach"]
[null,null,null,"Kwota miesięczna","Komentarz"]
[null,1,"Jaką kwotę netto (na rękę) miesięcznie chciałbyś mieć do dyspozycji na emeryturze?",3000,"Wpisz kwotę w \"dzisiejszych pieniądzach\" - inflację uwzględnimy odpowiednio w dalszych obliczeniach i założeniach"]
[null,2,"Jaką kwotę emerytury netto (na rękę) otrzymasz z ZUS?",2000,"Najlepszym sposobem na uzyskanie precyzyjnej informacji jest skorzystanie z kalkulatora ZUS. Jak tę kwotę policzyć dowiesz się z tego filmu: "]
[null,null,null,"O emeryturze z ZUS =>","Jak obliczyć emeryturę?"]
[null,3,"Takiej kwoty zabraknie Ci w każdym miesiącu na emeryturze, jeśli nie odłożysz dodatkowych pieniędzy:",{"$f":"D11-D12","v":1000},"To kwota, którą będziesz musiał zapewnić sobie samodzielnie, jeśli oczywiście chcesz żyć na zaplanowanym poziomie."]
[]
[null,4,"Za ile lat planujesz przejść na emeryturę?",35,"Tu określamy liczbę lat, która pozostała Ci jeszcze na uzbieranie dodatkowych oszczędności. Jeśli dziś masz np. 30 lat i planujesz przejść na emeryturę w wieku 65 lat, to wpisz: 65-30 = 35"]
[null,5,"Jaką średnią roczną stopę zwrotu uda Ci się Twoim zdaniem osiągnąć z pieniędzy inwestowanych na emeryturę?",0.04,"Wpisz NOMINALNĄ stopę zwrotu, jaką w Twojej ocenie dasz radę \"wykręcić\" z inwestycji. Bądź realistą. Dla przykładu moje założenia są obecnie takie: (a) 0,25% ponad inflację w przypadku lokat bankowych [nominalnie ok. 2,75%] (b) 1% ponad inflację w przypadku funduszy obligacji skarbowych [nominalnie 3,5%] (c) 1,5% ponad inflację w przypadku detalicznych obligacji skarbowych 10-letnich [nominalnie 4%] (d) ok. 3,0% ponad inflację w przypadku portfela międzynarodowych funduszy akcji [nominalnie ok. 5,5%]"]
[null,6,"Jaką średnią roczną stopę zwrotu uda Ci się Twoim zdaniem osiągnąć PO przejściu na emeryturę?",0.03,"Wiele osób po przejściu na emeryturę nadal inwestuje, choć zwykle w sposób bardziej bezpieczny. Jeśli Ty również zakładasz takie podejście, uwzględnij to, obniżając zakładaną stopę zwrotu."]
[null,7,"Jaką kwotę odłożyłeś na emeryturę do tej pory?",0,"Wpisz kwotę, którą z myślą o emeryturze masz już odłożoną (np. na IKE, IKZE, PPE). Uwzględnimy ją w obliczeniach."]
[null,8,"Zakładana inflacja",2.5000000000000001E-2,"To założenie uwzględniamy w wyliczeniach. Moim zdaniem racjonalnie jest założyć, że w długim terminie średnia roczna stopa inflacji będzie na poziomie celu inflacyjnego NBP, czyli 2,5% w skali roku. "]
[null,9,"Czy uwzględniamy w obliczeniach, że w każdym roku PRZED EMERYTURĄ z Twoich zysków zostanie potrącony podatek od zysków kapitałowych (tzw. podatek Belki)?","TAK","O ile nie inwestujesz w ramach IKE czy PPE, warto pozostawić opcję \"TAK\" - to ostrożne, ale racjonalne założenie. Jeśli w Twoim przypadku podatek nie będzie pobrany, wybierz po prostu \"NIE\"."]
[null,10,"Czy uwzględniamy w obliczeniach, że w każdym roku PO PRZEJŚCIU NA EMERYTURĘ z Twoich zysków zostanie potrącony podatek od zysków kapitałowych (tzw. podatek Belki)?","TAK","Jeśli po przejściu na emeryturę będziesz oszczędzać/inwestować poza produktami jak IKE czy PPE, będziesz musiał płacić podatek od zysków kapitałowych. W takiej sytuacji warto pozostawić opcję \"TAK\". Jeśli w Twoim przypadku podatek nie będzie pobrany, wybierz po prostu \"NIE\"."]
[null,11,"Stawka podatku od zysków kapitałowych:",0.19,"W obliczeniach w każdym roku taka część wypracowanych w tym roku odsetek/zysków zostanie odjęta od salda Twoich oszczędności."]
[]
[]
[]
[null,"Wyniki:"]
[]
[]
[]
[null,"Na ile lat emerytury ma wystarczyć? ","Tyle powinna wynieść wartość nominalna zgromadzonych przez Ciebie dodatkowych oszczędności w momencie przejścia na emeryturę:","Tyle powinieneś odkładać co miesiąc od dziś, aby uzbierać tę kwotę:","Tyle wynosi dzisiejsza wartość tej kwoty, którą musisz uzbierać (w kolumnie C widzisz faktyczne saldo, jakie powinno być na Twoim rachunku w momencie przejścia na emeryturę, po uwzględnieniu inflacji. W \"dzisiejszych pieniądzach\" ta kwota warta jest tyle, co poniżej)"]
[null,"na 5 lat",{"$f":"IF($D$22=\"TAK\",'Obliczenia - ile uzbierac'!C18,'Obliczenia - ile uzbierac'!J18)","v":142587.06418180693},{"$f":"IF($D$21=\"NIE\",'Obliczenia - ile odkladac'!E14,'Obliczenia - ile odkladac'!J14)","v":187.553322007692},{"$f":"PV($D$20,$D$16,0,-C32)","v":60082.063286805525}]
[null,"na 10 lat",{"$f":"IF($D$22=\"TAK\",'Obliczenia - ile uzbierac'!C27,'Obliczenia - ile uzbierac'!J27)","v":285662.01012919639},{"$f":"IF($D$21=\"NIE\",'Obliczenia - ile odkladac'!E15,'Obliczenia - ile odkladac'!J15)","v":375.74838417889072},{"$f":"PV($D$20,$D$16,0,-C33)","v":120369.70583344372}]
[null,"na 15 lat",{"$f":"IF($D$22=\"TAK\",'Obliczenia - ile uzbierac'!C41,'Obliczenia - ile uzbierac'!J41)","v":429226.50719849113},{"$f":"IF($D$21=\"NIE\",'Obliczenia - ile odkladac'!E16,'Obliczenia - ile odkladac'!J16)","v":564.58738231814357},180863.63105836845]
[null,"na 20 lat",{"$f":"IF($D$22=\"TAK\",'Obliczenia - ile uzbierac'!C60,'Obliczenia - ile uzbierac'!J60)","v":573282.23045795446},{"$f":"IF($D$21=\"NIE\",'Obliczenia - ile odkladac'!E17,'Obliczenia - ile odkladac'!J17)","v":754.07251974325675},241564.54478688011]
[null,"na 25 lat",{"$f":"IF($D$22=\"TAK\",'Obliczenia - ile uzbierac'!C84,'Obliczenia - ile uzbierac'!J84)","v":717830.86070732668},{"$f":"IF($D$21=\"NIE\",'Obliczenia - ile odkladac'!E18,'Obliczenia - ile odkladac'!J18)","v":944.20600731099091},302473.15525935765]
[null,"na 30 lat",{"$f":"IF($D$22=\"TAK\",'Obliczenia - ile uzbierac'!C113,'Obliczenia - ile uzbierac'!J113)","v":862874.08449744945},{"$f":"IF($D$21=\"NIE\",'Obliczenia - ile odkladac'!E19,'Obliczenia - ile odkladac'!J19)","v":1134.9900634428764},363590.17313952773]
[null,"na 35 lat",{"$f":"IF($D$22=\"TAK\",'Obliczenia - ile uzbierac'!C147,'Obliczenia - ile uzbierac'!J147)","v":1008413.5941499284},{"$f":"IF($D$21=\"NIE\",'Obliczenia - ile odkladac'!E20,'Obliczenia - ile odkladac'!J20)","v":1326.4269141510756},424916.31152275001]
[null,"na 40 lat",{"$f":"IF($D$22=\"TAK\",'Obliczenia - ile uzbierac'!C186,'Obliczenia - ile uzbierac'!J186)","v":1154451.0877768935},{"$f":"IF($D$21=\"NIE\",'Obliczenia - ile odkladac'!E21,'Obliczenia - ile odkladac'!J21)","v":1518.5187930643744},486452.28594434349]

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[null,null,"Uwaga! To jest arkusz obliczeniowy. Najlepiej przy nim nie majstrować :) Jeśli chcesz zmienić założenia zrób to w zakładce \"Założenia i wyniki\""]
[]
[null,null,"Nominalna wartość przyszła brakującej kwoty (uwzględnienie inflacji)"]
[null,null,"Liczba lat do emerytury",{"$f":"'Zalozenia i wyniki'!D16","v":35}]
[null,null,"Stopa inflacji",{"$f":"'Zalozenia i wyniki'!D20","v":2.5000000000000001E-2}]
[null,null,"Wartość bieżąca",{"$f":"'Zalozenia i wyniki'!D14","v":1000},"Tyle będzie nam brakować \"w dzisiejszych pieniądzach\""]
[null,null,"Wartość przyszła",{"$f":"FV(D6,D5,,-D7)","v":2373.20518606624},"Taką nominalną wartość będzie miała ta kwota w momencie przejścia na emeryturę"]
[]
[null,null,"Jaka wartość oszczędności zapewni nam brakującą kwotę?"]
[null,null,"Uroczniona brakująca kwota",{"$f":"D8*12","v":28478.462232794882},"To 12-krotność miesięcznej kwoty, którą wypłacimy sobie na początku każdego roku"]
[null,null,"Stopa zwrotu na emeryturze",{"$f":"'Zalozenia i wyniki'!D18","v":0.03}]
[null,null,"Stawka podatku Belki",{"$f":"'Zalozenia i wyniki'!D23","v":0.19}]
[]
[null,"Obliczenia z podatkiem Belki (PO PRZEJŚCIU NA EMERYTURĘ):",null,null,null,null,null,null,"Obliczenia bez podatku Belki (PO PRZEJŚCIU NA EMERYTURĘ):"]
[null,"na 5 lat"]
[null,"Rok na emeryturze","Wartość rachunku na początku okresu","Wypłata na początku każdego roku:","Kwota pozostała jako inwestycja","Zyski w danym roku:","Podatek Belki",null,"Rok na emeryturze","Wartość rachunku na początku okresu","Wypłata na początku każdego roku:","Kwota pozostała jako inwestycja","Zyski w danym roku:"]
[null,1,142587.06418180693,{"$f":"$D$11","v":28478.462232794882},{"$f":"C18-D18","v":114108.60194901205},{"$f":"E18*$D$12","v":3423.2580584703614},{"$f":"F18*$D$13","v":650.41903110936869},null,1,141016.55618869516,{"$f":"$D$11","v":28478.462232794882},{"$f":"J18-K18","v":112538.09395590029},{"$f":"L18*$D$12","v":3376.1428186770086}]
[null,2,{"$f":"E18+F18-G18","v":116881.44097637305},{"$f":"D18*(1+$D$6)","v":29190.423788614753},{"$f":"C19-D19","v":87691.017187758291},{"$f":"E19*$D$12","v":2630.7305156327488},{"$f":"F19*$D$13","v":499.83879797022229},null,2,{"$f":"L18+M18","v":115914.23677457729},{"$f":"K18*(1+$D$6)","v":29190.423788614753},{"$f":"J19-K19","v":86723.812985962548},{"$f":"L19*$D$12","v":2601.7143895788763}]
[null,3,{"$f":"E19+F19-G19","v":89821.908905420816},{"$f":"D19*(1+$D$6)","v":29920.184383330121},{"$f":"C20-D20","v":59901.724522090692},{"$f":"E20*$D$12","v":1797.0517356627206},{"$f":"F20*$D$13","v":341.43982977591691},null,3,{"$f":"L19+M19","v":89325.527375541424},{"$f":"K19*(1+$D$6)","v":29920.184383330121},{"$f":"J20-K20","v":59405.342992211299},{"$f":"L20*$D$12","v":1782.160289766339}]
[null,4,{"$f":"E20+F20-G20","v":61357.336427977498},{"$f":"D20*(1+$D$6)","v":30668.188992913372},{"$f":"C21-D21","v":30689.147435064126},{"$f":"E21*$D$12","v":920.67442305192378},{"$f":"F21*$D$13","v":174.92814037986551},null,4,{"$f":"L20+M20","v":61187.503281977639},{"$f":"K20*(1+$D$6)","v":30668.188992913372},{"$f":"J21-K21","v":30519.314289064267},{"$f":"L21*$D$12","v":915.57942867192799}]
[null,5,{"$f":"E21+F21-G21","v":31434.893717736184},{"$f":"D21*(1+$D$6)","v":31434.893717736202},{"$f":"C22-D22","v":0},{"$f":"E22*$D$12","v":0},{"$f":"F22*$D$13","v":0},null,5,{"$f":"L21+M21","v":31434.893717736195},{"$f":"K21*(1+$D$6)","v":31434.893717736202},{"$f":"J22-K22","v":0},{"$f":"L22*$D$12","v":0}]
[]
[]
[null,"na 10 lat"]
[null,"Rok na emeryturze","Wartość rachunku na początku okresu","Wypłata na początku każdego roku:","Kwota pozostała jako inwestycja","Zyski w danym roku:","Podatek Belki",null,"Rok na emeryturze","Wartość rachunku na początku okresu","Wypłata na początku każdego roku:","Kwota pozostała jako inwestycja","Zyski w danym roku:"]
[null,1,285662.01012919639,{"$f":"$D$11","v":28478.462232794882},{"$f":"C27-D27","v":257183.54789640152},{"$f":"E27*$D$12","v":7715.5064368920457},{"$f":"F27*$D$13","v":1465.9462230094887},null,1,278643.44991680759,{"$f":"$D$11","v":28478.462232794882},{"$f":"J27-K27","v":250164.98768401271},{"$f":"L27*$D$12","v":7504.9496305203811}]
[null,2,{"$f":"E27+F27-G27","v":263433.10811028408},{"$f":"D27*(1+$D$6)","v":29190.423788614753},{"$f":"C28-D28","v":234242.68432166934},{"$f":"E28*$D$12","v":7027.2805296500801},{"$f":"F28*$D$13","v":1335.1833006335153},null,2,{"$f":"L27+M27","v":257669.9373145331},{"$f":"K27*(1+$D$6)","v":29190.423788614753},{"$f":"J28-K28","v":228479.51352591836},{"$f":"L28*$D$12","v":6854.3854057775507}]
[null,3,{"$f":"E28+F28-G28","v":239934.7815506859},{"$f":"D28*(1+$D$6)","v":29920.184383330121},{"$f":"C29-D29","v":210014.59716735579},{"$f":"E29*$D$12","v":6300.4379150206732},1197.0832038539279,null,3,{"$f":"L28+M28","v":235333.89893169591},{"$f":"K28*(1+$D$6)","v":29920.184383330121},{"$f":"J29-K29","v":205413.7145483658},{"$f":"L29*$D$12","v":6162.4114364509733}]
[null,4,215117.95187852255,30668.188992913372,{"$f":"C30-D30","v":184449.76288560918},5533.492886568275,1051.3636484479723,null,4,211576.12598481675,30668.188992913372,{"$f":"J30-K30","v":180907.93699190338},5427.2381097571015]
[null,5,188931.89212372949,31434.893717736202,{"$f":"C31-D31","v":157496.99840599328},4724.909952179798,897.73289091416166,null,5,186335.17510166048,31434.893717736202,{"$f":"J31-K31","v":154900.28138392427},4647.008441517728]
[null,6,161324.1754672589,32220.766060679605,129103.4094065793,3873.1022821973788,735.88943361750194,null,6,159547.28982544201,32220.766060679605,127326.52376476242,3819.7957129428723]
[null,7,132240.62225515919,33026.285212196592,99214.337042962608,2976.4301112888779,565.52172114488678,null,7,131146.31947770528,33026.285212196592,98120.034265508701,2943.601027965261]
[null,8,101625.2454331066,33851.942342501505,67773.303090605099,2033.199092718153,386.30782761644906,null,8,101063.63529347396,33851.942342501505,67211.692950972443,2016.3507885291733]
[null,9,69420.194355706801,34698.24090106404,34721.95345464276,1041.6586036392828,197.91513469146372,null,9,69228.04373950162,34698.24090106404,34529.802838437579,1035.8940851531274]
[null,10,35565.696923590578,35565.696923590636,-5.8207660913467407E-11,-1.7462298274040222E-12,-3.3178366720676423E-13,null,10,35565.696923590709,35565.696923590636,7.2759576141834259E-11,2.1827872842550277E-12]
[]
[]
[null,"na 15 lat"]
[null,"Rok na emeryturze","Wartość rachunku na początku okresu","Wypłata na początku każdego roku:","Kwota pozostała jako inwestycja","Zyski w danym roku:","Podatek Belki",null,"Rok na emeryturze","Wartość rachunku na początku okresu","Wypłata na początku każdego roku:","Kwota pozostała jako inwestycja","Zyski w danym roku:"]
[null,1,429226.50719849113,{"$f":"$D$11","v":28478.462232794882},{"$f":"C41-D41","v":400748.04496569623},{"$f":"E41*$D$12","v":12022.441348970886},{"$f":"F41*$D$13","v":2284.2638563044684},null,1,412962.15964266245,{"$f":"$D$11","v":28478.462232794882},{"$f":"J41-K41","v":384483.69740986754},{"$f":"L41*$D$12","v":11534.510922296025}]
[null,2,{"$f":"E41+F41-G41","v":410486.22245836264},{"$f":"D41*(1+$D$6)","v":29190.423788614753},{"$f":"C42-D42","v":381295.79866974789},{"$f":"E42*$D$12","v":11438.873960092436},{"$f":"F42*$D$13","v":2173.386052417563},null,2,{"$f":"L41+M41","v":396018.20833216357},{"$f":"K41*(1+$D$6)","v":29190.423788614753},{"$f":"J42-K42","v":366827.78454354883},{"$f":"L42*$D$12","v":11004.833536306465}]
[null,3,{"$f":"E42+F42-G42","v":390561.28657742275},{"$f":"D42*(1+$D$6)","v":29920.184383330121},{"$f":"C43-D43","v":360641.10219409264},{"$f":"E43*$D$12","v":10819.233065822778},2055.6542825063279,null,3,{"$f":"L42+M42","v":377832.61807985528},{"$f":"K42*(1+$D$6)","v":29920.184383330121},{"$f":"J43-K43","v":347912.43369652517},{"$f":"L43*$D$12","v":10437.373010895755}]
[null,4,369404.68097740912,30668.188992913372,{"$f":"C44-D44","v":338736.49198449578},10162.094759534873,1930.7980043116261,null,4,358349.80670742091,30668.188992913372,{"$f":"J44-K44","v":327681.61771450756},9830.448531435226]
[null,5,346967.78873971902,31434.893717736202,{"$f":"C45-D45","v":315532.89502198284},9465.9868506594848,1798.5375016253022,null,5,337512.06624594278,31434.893717736202,{"$f":"J45-K45","v":306077.1725282066},9182.3151758461972]
[null,6,323200.34437101701,32220.766060679605,290979.57831033738,8729.3873493101219,1658.5835963689233,null,6,315259.48770405282,32220.766060679605,283038.7216433732,8491.1616493011952]
[null,7,298050.38206327858,33026.285212196592,265024.09685108199,7950.7229055324597,1510.6373520511675,null,7,291529.88329267438,33026.285212196592,258503.59808047779,7755.1079424143336]
[null,8,271464.1824045633,33851.942342501505,237612.24006206178,7128.3672018618536,1354.3897683537523,null,8,266258.70602289215,33851.942342501505,232406.76368039064,6972.2029104117191]
[null,9,243386.2174955699,34698.24090106404,208687.97659450586,6260.639297835176,1189.5214665886836,null,9,239378.96659080236,34698.24090106404,204680.72568973832,6140.421770692149]
[null,10,213759.09442575235,35565.696923590636,178193.39750216171,5345.8019250648513,1015.7023657623217,null,10,210821.14746043048,35565.696923590636,175255.45053683984,5257.6635161051954]
[null,11,182523.49706146424,36454.839346680397,146068.65771478385,4382.0597314435154,832.59134897426793,null,11,180513.11405294502,36454.839346680397,144058.27470626461,4321.7482411879382]
[null,12,149618.12609725312,37366.210330347407,112251.9157669057,3367.5574730071708,639.83591987136242,null,12,148380.02294745255,37366.210330347407,111013.81261710514,3330.4143785131541]
[null,13,114979.63732004151,38300.365588606088,76679.271731435423,2300.3781519430627,437.07184886918191,null,13,114344.2269956183,38300.365588606088,76043.861407012213,2281.3158422103661]
[null,14,78542.578034509308,39257.874728321236,39284.703306188072,1178.5410991856422,223.92280884527202,null,14,78325.177249222586,39257.874728321236,39067.30252090135,1172.0190756270404]
[null,15,40239.32159652844,40239.321596529262,-8.2218321040272713E-10,-2.4665496312081811E-11,-4.6864442992955439E-12,null,15,40239.321596528389,40239.321596529262,-8.7311491370201111E-10,-2.6193447411060331E-11]
[]
[]
[null,"na 20 lat"]
[null,"Rok na emeryturze","Wartość rachunku na początku okresu","Wypłata na początku każdego roku:","Kwota pozostała jako inwestycja","Zyski w danym roku:","Podatek Belki",null,"Rok na emeryturze","Wartość rachunku na początku okresu","Wypłata na początku każdego roku:","Kwota pozostała jako inwestycja","Zyski w danym roku:"]
[null,1,573282.23045795446,{"$f":"$D$11","v":28478.462232794882},{"$f":"C60-D60","v":544803.76822515961},{"$f":"E60*$D$12","v":16344.113046754788},{"$f":"F60*$D$13","v":3105.3814788834097},null,1,544052.20529944007,{"$f":"$D$11","v":28478.462232794882},{"$f":"J60-K60","v":515573.74306664517},{"$f":"L60*$D$12","v":15467.212291999354}]
[null,2,{"$f":"E60+F60-G60","v":558042.4997930309},{"$f":"D60*(1+$D$6)","v":29190.423788614753},{"$f":"C61-D61","v":528852.0760044161},{"$f":"E61*$D$12","v":15865.562280132483},{"$f":"F61*$D$13","v":3014.4568332251715},null,2,{"$f":"L60+M60","v":531040.95535864448},{"$f":"K60*(1+$D$6)","v":29190.423788614753},{"$f":"J61-K61","v":501850.53157002974},{"$f":"L61*$D$12","v":15055.515947100892}]
[null,3,{"$f":"E61+F61-G61","v":541703.18145132333},{"$f":"D61*(1+$D$6)","v":29920.184383330121},{"$f":"C62-D62","v":511782.99706799322},{"$f":"E62*$D$12","v":15353.489912039797},2917.1630832875612,null,3,{"$f":"L61+M61","v":516906.04751713062},{"$f":"K61*(1+$D$6)","v":29920.184383330121},{"$f":"J62-K62","v":486985.86313380051},{"$f":"L62*$D$12","v":14609.575894014015}]
[null,4,524219.32389674545,30668.188992913372,{"$f":"C63-D63","v":493551.13490383211},14806.534047114963,2813.2414689518432,null,4,501595.43902781454,30668.188992913372,{"$f":"J63-K63","v":470927.2500349012},14127.817501047035]
[null,5,505544.4274819952,31434.893717736202,{"$f":"C64-D64","v":474109.53376425902},14223.286012927771,2702.4243424562765,null,5,485055.06753594824,31434.893717736202,{"$f":"J64-K64","v":453620.17381821206},13608.605214546362]
[null,6,485630.39543473051,32220.766060679605,453409.62937405088,13602.288881221526,2584.4348874320899,null,6,467228.77903275844,32220.766060679605,435008.01297207881,13050.240389162363]
[null,7,464427.48336784035,33026.285212196592,431401.19815564377,12942.035944669313,2458.9868294871694,null,7,448058.25336124119,33026.285212196592,415031.96814904461,12450.959044471338]
[null,8,441884.24727082596,33851.942342501505,408032.30492832448,12240.969147849733,2325.7841380914492,null,8,427482.92719351593,33851.942342501505,393630.98485101445,11808.929545530433]
[null,9,417947.48993808276,34698.24090106404,383249.24903701874,11497.477471110562,2184.520719511007,null,9,405439.91439654486,34698.24090106404,370741.67349548079,11122.250204864424]
[null,10,392562.2057886183,35565.696923590636,356996.50886502769,10709.89526595083,2034.8801005306577,null,10,381863.92370034521,35565.696923590636,346298.2267767546,10388.946803302637]
[null,11,365671.52403044788,36454.839346680397,329216.6846837675,9876.500540513025,1876.5351026974747,null,11,356687.17358005722,36454.839346680397,320232.33423337684,9606.9700270013054]
[null,12,337216.65012158302,37366.210330347407,299850.43979123561,8995.5131937370679,1709.1475068100428,null,12,329839.30426037812,37366.210330347407,292473.09393003071,8774.192817900921]
[null,13,307136.80547816266,38300.365588606088,268836.43988955655,8065.0931966866965,1532.3677073704723,null,13,301247.28674793162,38300.365588606088,262946.92115932552,7888.4076347797654]
[null,14,275369.16537887277,39257.874728321236,236111.29065055153,7083.338719516546,1345.8343567081438,null,14,270835.32879410527,39257.874728321236,231577.45406578403,6947.3236219735209]
[null,15,241848.79501335995,40239.321596529262,201609.4734168307,6048.2842025049213,1149.1739984759352,null,15,238524.77768775754,40239.321596529262,198285.45609122829,5948.5636827368489]
[null,16,206508.58362085969,41245.304636442488,165263.27898441721,4957.898369532516,942.00069021117804,null,16,204234.01977396515,41245.304636442488,162988.71513752267,4889.6614541256795]
[null,17,169279.17666373856,42276.437252353549,127002.739411385,3810.0821823415499,723.9156146448945,null,17,167878.37659164835,42276.437252353549,125601.9393392948,3768.0581801788439]
[null,18,130088.90597908165,43333.348183662383,86755.55779541927,2602.666733862578,494.50667943388981,null,18,129369.99751947365,43333.348183662383,86036.649335811264,2581.0994800743379]
[null,19,88863.717849847962,44416.681888253937,44447.035961594025,1333.4110788478208,253.34810498108595,null,19,88617.748815885599,44416.681888253937,44201.066927631662,1326.0320078289499]
[null,20,45527.098935460759,45527.098935460279,4.8021320253610611E-10,1.4406396076083183E-11,2.7372152544558047E-12,null,20,45527.098935460614,45527.098935460279,3.3469405025243759E-10,1.0040821507573127E-11]
[]
[]
[null,"na 25 lat"]
[null,"Rok na emeryturze","Wartość rachunku na początku okresu","Wypłata na początku każdego roku:","Kwota pozostała jako inwestycja","Zyski w danym roku:","Podatek Belki",null,"Rok na emeryturze","Wartość rachunku na początku okresu","Wypłata na początku każdego roku:","Kwota pozostała jako inwestycja","Zyski w danym roku:"]
[null,1,717830.86070732668,{"$f":"$D$11","v":28478.462232794882},{"$f":"C84-D84","v":689352.39847453183},{"$f":"E84*$D$12","v":20680.571954235955},{"$f":"F84*$D$13","v":3929.3086713048315},null,1,671991.1953728972,{"$f":"$D$11","v":28478.462232794882},{"$f":"J84-K84","v":643512.73314010235},{"$f":"L84*$D$12","v":19305.381994203071}]
[null,2,{"$f":"E84+F84-G84","v":706103.66175746289},{"$f":"D84*(1+$D$6)","v":29190.423788614753},{"$f":"C85-D85","v":676913.23796884809},{"$f":"E85*$D$12","v":20307.397139065441},{"$f":"F85*$D$13","v":3858.4054564224339},null,2,{"$f":"L84+M84","v":662818.11513430544},{"$f":"K84*(1+$D$6)","v":29190.423788614753},{"$f":"J85-K85","v":633627.69134569063},{"$f":"L85*$D$12","v":19008.830740370719}]
[null,3,{"$f":"E85+F85-G85","v":693362.22965149104},{"$f":"D85*(1+$D$6)","v":29920.184383330121},{"$f":"C86-D86","v":663442.04526816087},{"$f":"E86*$D$12","v":19903.261358044827},3781.6196580285173,null,3,{"$f":"L85+M85","v":652636.5220860613},{"$f":"K85*(1+$D$6)","v":29920.184383330121},{"$f":"J86-K86","v":622716.33770273114},{"$f":"L86*$D$12","v":18681.490131081933}]
[null,4,679563.68696817721,30668.188992913372,{"$f":"C87-D87","v":648895.49797526386},19466.864939257914,3698.7043384590038,null,4,641397.82783381303,30668.188992913372,{"$f":"J87-K87","v":610729.63884089969},18321.889165226989]
[null,5,664663.65857606288,31434.893717736202,{"$f":"C88-D88","v":633228.76485832664},18996.862945749799,3609.4039596924617,null,5,629051.52800612664,31434.893717736202,{"$f":"J88-K88","v":597616.6342883904},17928.49902865171]
[null,6,648616.22384438396,32220.766060679605,616395.45778370439,18491.863733511131,3513.4541093671151,null,6,615545.13331704214,32220.766060679605,583324.36725636257,17499.731017690876]
[null,7,631373.86740784848,33026.285212196592,598347.58219565183,17950.427465869554,3410.5812185152154,null,7,600824.09827405342,33026.285212196592,567797.81306185678,17033.934391855702]
[null,8,612887.42844300624,33851.942342501505,579035.48610050476,17371.064583015141,3300.5022707728767,null,8,584831.74745371251,33851.942342501505,550979.80511121103,16529.394153336329]
[null,9,593106.0484127471,34698.24090106404,558407.80751168309,16752.23422535049,3182.9245028165933,null,9,567509.19926454732,34698.24090106404,532810.95836348331,15984.328750904499]
[null,10,571977.11723421689,35565.696923590636,536411.42031062627,16092.342609318788,3057.5450957705698,null,10,548795.28711438784,35565.696923590636,513229.59019079723,15396.887705723917]
[null,11,549446.21782417444,36454.839346680397,512991.37847749406,15389.74135432482,2924.0508573217157,null,11,528626.4778965211,36454.839346680397,492171.63854984072,14765.149156495221]
[null,12,525457.06897449715,37366.210330347407,488090.85864414973,14642.725759324492,2782.1178942716538,null,12,506936.78770633595,37366.210330347407,469570.57737598853,14087.117321279655]
[null,13,499951.46650920255,38300.365588606088,461651.10092059645,13849.533027617894,2631.4112752473998,null,13,483657.69469726819,38300.365588606088,445357.32910866209,13360.719873259863]
[null,14,472869.22267296695,39257.874728321236,433611.34794464573,13008.340438339372,2471.5846832844809,null,14,458718.04898192198,39257.874728321236,419460.17425360077,12583.805227608023]
[null,15,444148.10369970067,40239.321596529262,403908.7821031714,12117.263463095142,2302.2800579880768,null,15,432043.97948120878,40239.321596529262,391804.6578846795,11754.139736540385]
[null,16,413723.76550827845,41245.304636442488,372478.46087183594,11174.353826155078,2123.127226969465,null,16,403558.79762121988,41245.304636442488,362313.49298477737,10869.404789543321]
[null,17,381529.68747102155,42276.437252353549,339253.25021866802,10177.59750656004,1933.7435262464076,null,17,373182.89777432068,42276.437252353549,330906.46052196715,9927.1938156590149]
[null,18,347497.10419898166,43333.348183662383,304163.75601531926,9124.912680459578,1733.7334092873198,null,18,340833.65433762618,43333.348183662383,297500.30615396379,8925.0091846189134]
[null,19,311554.93528649153,44416.681888253937,267138.25339823758,8014.1476019471265,1522.688044369954,null,19,306425.31533858267,44416.681888253937,262008.63345032872,7860.259003509861]
[null,20,273629.71295581473,45527.098935460279,228102.61402035446,6843.0784206106337,1300.1848999160204,null,20,269868.89245383861,45527.098935460279,224341.79351837834,6730.2538055513496]
[null,21,233645.50754104907,46665.276408846781,186980.23113220229,5609.4069339660682,1065.787317453553,null,21,231072.0473239297,46665.276408846781,184406.77091508292,5532.203127452487]
[null,22,191523.85074871479,47831.908319067945,143691.94242964685,4310.7582728894049,819.04407184898696,null,22,189938.97404253541,47831.908319067945,142107.06572346747,4263.2119717040241]
[null,23,147183.65663068727,49027.706027044638,98155.950603642632,2944.6785181092787,559.48891844076297,null,23,146370.27769517151,49027.706027044638,97342.571668126868,2920.2771500438057]
[null,24,100541.14020331115,50253.398677720746,50287.741525590405,1508.632245767712,286.64012669586526,null,24,100262.84881817068,50253.398677720746,50009.450140449931,1500.283504213498]
[null,25,51509.73364466225,51509.733644663764,-1.5133991837501526E-9,-4.5401975512504579E-11,-8.6263753473758697E-12,null,25,51509.733644663429,51509.733644663764,-3.3469405025243759E-10,-1.0040821507573127E-11]
[]
[]
[null,"na 30 lat"]
[null,"Rok na emeryturze","Wartość rachunku na początku okresu","Wypłata na początku każdego roku:","Kwota pozostała jako inwestycja","Zyski w danym roku:","Podatek Belki",null,"Rok na emeryturze","Wartość rachunku na początku okresu","Wypłata na początku każdego roku:","Kwota pozostała jako inwestycja","Zyski w danym roku:"]
[null,1,862874.08449744945,{"$f":"$D$11","v":28478.462232794882},{"$f":"C113-D113","v":834395.62226465461},{"$f":"E113*$D$12","v":25031.868667939638},{"$f":"F113*$D$13","v":4756.055046908531},null,1,796854.87284748058,{"$f":"$D$11","v":28478.462232794882},{"$f":"J113-K113","v":768376.41061468574},{"$f":"L113*$D$12","v":23051.29231844057}]
[null,2,{"$f":"E113+F113-G113","v":854671.43588568573},{"$f":"D113*(1+$D$6)","v":29190.423788614753},{"$f":"C114-D114","v":825481.01209707092},{"$f":"E114*$D$12","v":24764.430362912128},{"$f":"F114*$D$13","v":4705.241768953304},null,2,{"$f":"L113+M113","v":791427.70293312636},{"$f":"K113*(1+$D$6)","v":29190.423788614753},{"$f":"J114-K114","v":762237.27914451156},{"$f":"L114*$D$12","v":22867.118374335347}]
[null,3,{"$f":"E114+F114-G114","v":845540.20069102978},{"$f":"D114*(1+$D$6)","v":29920.184383330121},{"$f":"C115-D115","v":815620.01630769961},{"$f":"E115*$D$12","v":24468.600489230987},4649.0340929538879,null,3,{"$f":"L114+M114","v":785104.3975188469},{"$f":"K114*(1+$D$6)","v":29920.184383330121},{"$f":"J115-K115","v":755184.21313551674},{"$f":"L115*$D$12","v":22655.526394065502}]
[null,4,835439.58270397666,30668.188992913372,{"$f":"C116-D116","v":804771.39371106331},24143.141811331898,4587.1969441530609,null,4,777839.73952958221,30668.188992913372,{"$f":"J116-K116","v":747171.55053666886},22415.146516100063]
[null,5,824327.33857824211,31434.893717736202,{"$f":"C117-D117","v":792892.44486050587},23786.773345815174,4519.4869357048829,null,5,769586.6970527689,31434.893717736202,{"$f":"J117-K117","v":738151.80333503266},22144.55410005098]
[null,6,812159.73127061618,32220.766060679605,779938.96520993661,23398.168956298097,4445.652101696639,null,6,760296.3574350836,32220.766060679605,728075.59137440403,21842.267741232121]
[null,7,798891.48206453817,33026.285212196592,765865.19685234153,22975.955905570245,4365.4316220583469,null,7,749917.85911563621,33026.285212196592,716891.57390343957,21506.747217103188]
[null,8,784475.72113585344,33851.942342501505,750623.77879335196,22518.713363800558,4278.555539122106,null,8,738398.32112054271,33851.942342501505,704546.37877804122,21136.391363341238]
[null,9,768863.93661803042,34698.24090106404,734165.69571696641,22024.970871508991,4184.7444655867084,null,9,725682.77014138247,34698.24090106404,690984.52924031846,20729.535877209553]
[null,10,752005.92212288862,35565.696923590636,716440.225199298,21493.206755978939,4083.7092836359984,null,10,711714.06511752796,35565.696923590636,676148.36819393735,20284.451045818121]
[null,11,733849.72267164104,36454.839346680397,697394.8833249606,20921.846499748815,3975.1508349522751,null,11,696432.81923975551,36454.839346680397,659977.97989307507,19799.339396792253]
[null,12,714341.57898975711,37366.210330347407,676975.36865940969,20309.26105978229,3858.7596013586349,null,12,679777.3192898673,37366.210330347407,642411.10895951989,19272.333268785595]
[null,13,693425.87011783326,38300.365588606088,655125.50452922715,19653.765135876813,3734.2153758165946,null,13,661683.4422283055,38300.365588606088,623383.0766396994,18701.492299190981]
[null,14,671045.05428928742,39257.874728321236,631787.17956096621,18953.615386828984,3601.186923497507,null,14,642084.56893889036,39257.874728321236,602826.69421056914,18084.800826317074]
[null,15,647139.60802429775,40239.321596529262,606900.28642776853,18207.008592833055,3459.3316326382806,null,15,620911.49503688619,40239.321596529262,580672.17344035697,17420.165203210709]
[null,16,621647.96338796336,41245.304636442488,580402.65875152091,17412.079762545625,3308.2951548836691,null,16,598092.33864356764,41245.304636442488,556847.03400712518,16705.411020213756]
[null,17,594506.44335918291,42276.437252353549,552230.00610682939,16566.900183204882,3147.7110348089277,null,17,573552.44502733892,42276.437252353549,531276.0077749854,15938.280233249561]
[null,18,565649.19525522541,43333.348183662383,522315.84707156301,15669.47541214689,2977.2003283079093,null,18,547214.28800823493,43333.348183662383,503880.93982457253,15116.428194737175]
[null,19,535008.12215540197,44416.681888253937,490591.44026714802,14717.743208014441,2796.3712095227438,null,19,518997.36801930971,44416.681888253937,474580.68613105576,14237.420583931673]
[null,20,502512.81226563972,45527.098935460279,456985.71333017945,13709.571399905382,2604.8185659820228,null,20,488818.10671498743,45527.098935460279,443291.00777952716,13298.730233385815]
[null,21,468090.46616410278,46665.276408846781,421425.189755256,12642.75569265768,2402.1235816049593,null,21,456589.73801291297,46665.276408846781,409924.46160406619,12297.733848121985]
[null,22,431665.82186630869,47831.908319067945,383833.91354724072,11515.017406417221,2187.8533072192718,null,22,422222.1954521882,47831.908319067945,374390.28713312023,11231.708613993607]
[null,23,393161.07764643867,49027.706027044638,344133.37161939405,10324.001148581821,1961.5602182305461,null,23,385621.99574711383,49027.706027044638,336594.28972006921,10097.828691602075]
[null,24,352495.81254974531,50253.398677720746,302242.41387202457,9067.2724161607366,1722.7817590705399,null,24,346692.11841167131,50253.398677720746,296438.71973395057,8893.1615920185159]
[null,25,309586.90452911478,51509.733644663764,258077.17088445101,7742.31512653353,1471.0398740413707,null,25,305331.88132596907,51509.733644663764,253822.1476813053,7614.6644304391584]
[null,26,264348.44613694312,52797.476985780355,211550.96915116278,6346.529074534883,1205.8405241616279,null,26,261436.81211174445,52797.476985780355,208639.33512596411,6259.1800537789231]
[null,27,216691.65770153602,54117.413910424861,162574.24379111116,4877.227313733335,926.67318960933369,null,27,214898.51517974303,54117.413910424861,160781.10126931817,4823.4330380795445]
[null,28,166524.79791523516,55470.349258185481,111054.44865704968,3331.6334597114901,633.01035734518314,null,28,165604.53430739773,55470.349258185481,110134.18504921225,3304.0255514763671]
[null,29,113753.07175941599,56857.107989640113,56895.963769775881,1706.8789130932764,324.30699348772254,null,29,113438.21060068862,56857.107989640113,56581.102611048504,1697.4330783314551]
[null,30,58278.535689381439,58278.535689381111,3.2741809263825417E-10,9.822542779147624E-12,1.8662831280380484E-12,null,30,58278.535689379962,58278.535689381111,-1.1496013030409813E-9,-3.448803909122944E-11]
[]
[]
[null,"na 35 lat"]
[null,"Rok na emeryturze","Wartość rachunku na początku okresu","Wypłata na początku każdego roku:","Kwota pozostała jako inwestycja","Zyski w danym roku:","Podatek Belki",null,"Rok na emeryturze","Wartość rachunku na początku okresu","Wypłata na początku każdego roku:","Kwota pozostała jako inwestycja","Zyski w danym roku:"]
[null,1,1008413.5941499284,{"$f":"$D$11","v":28478.462232794882},{"$f":"C147-D147","v":979935.13191713358},{"$f":"E147*$D$12","v":29398.053957514006},{"$f":"F147*$D$13","v":5585.6302519276614},null,1,918717.16004800668,{"$f":"$D$11","v":28478.462232794882},{"$f":"J147-K147","v":890238.69781521184},{"$f":"L147*$D$12","v":26707.160934456355}]
[null,2,{"$f":"E147+F147-G147","v":1003747.5556227199},{"$f":"D147*(1+$D$6)","v":29190.423788614753},{"$f":"C148-D148","v":974557.13183410512},{"$f":"E148*$D$12","v":29236.713955023151},{"$f":"F148*$D$13","v":5554.9756514543988},null,2,{"$f":"L147+M147","v":916945.85874966823},{"$f":"K147*(1+$D$6)","v":29190.423788614753},{"$f":"J148-K148","v":887755.43496105343},{"$f":"L148*$D$12","v":26632.6630488316}]
[null,3,{"$f":"E148+F148-G148","v":998238.8701376738},{"$f":"D148*(1+$D$6)","v":29920.184383330121},{"$f":"C149-D149","v":968318.68575434363},{"$f":"E149*$D$12","v":29049.560572630307},5519.416508799758,null,3,{"$f":"L148+M148","v":914388.09800988506},{"$f":"K148*(1+$D$6)","v":29920.184383330121},{"$f":"J149-K149","v":884467.91362655489},{"$f":"L149*$D$12","v":26534.037408796645}]
[null,4,991848.82981817413,30668.188992913372,{"$f":"C150-D150","v":961180.64082526078},28835.419224757821,5478.7296527039862,null,4,911001.95103535149,30668.188992913372,{"$f":"J150-K150","v":880333.76204243815},26410.012861273142]
[null,5,984537.33039731462,31434.893717736202,{"$f":"C151-D151","v":953102.43667957839},28593.073100387352,5432.6838890735971,null,5,906743.77490371128,31434.893717736202,{"$f":"J151-K151","v":875308.88118597504},26259.266435579251]
[null,6,976262.82589089219,32220.766060679605,944042.05983021262,28321.261794906379,5381.0397410322121,null,6,901568.14762155432,32220.766060679605,869347.38156087475,26080.42144682624]
[null,7,966982.28188408678,33026.285212196592,933955.99667189014,28018.679900156701,5323.5491810297735,null,7,895427.80300770095,33026.285212196592,862401.5177955043,25872.045533865126]
[null,8,956651.12739101704,33851.942342501505,922799.18504851556,27683.975551455467,5259.955354776539,null,8,888273.56332936941,33851.942342501505,854421.62098686793,25632.648629606036]
[null,9,945223.20524519449,34698.24090106404,910524.96434413048,27315.748930323913,5189.9922967615439,null,9,880054.26961647393,34698.24090106404,845356.02871540992,25360.680861462297]
[null,10,932650.72097769275,35565.696923590636,897085.02405410213,26912.550721623062,5113.3846371083819,null,10,870716.70957687218,35565.696923590636,835151.01265328156,25054.530379598447]
[null,11,918884.19013861672,36454.839346680397,882429.35079193627,26472.880523758085,5029.8472995140364,null,11,860205.54303288006,36454.839346680397,823750.70368619962,24712.521110585989]
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[null,13,887562.27370639879,38300.365588606088,849261.90811779269,25477.857243533781,4840.7928762714182,null,13,835429.9249004313,38300.365588606088,797129.5593118252,23913.886779354754]
[null,14,869898.9724850551,39257.874728321236,830641.09775673389,24919.232932702016,4734.6542572133831,null,14,821043.44609117997,39257.874728321236,781785.57136285875,23453.567140885763]
[null,15,850825.67643222259,40239.321596529262,810586.35483569338,24317.590645070799,4620.3422225634522,null,15,805239.1385037445,40239.321596529262,764999.81690721528,22949.994507216459]
[null,16,830283.60325820069,41245.304636442488,789038.29862175824,23671.148958652746,4497.5183021440216,null,16,787949.81141443178,41245.304636442488,746704.50677798933,22401.13520333968]
[null,17,808211.92927826697,42276.437252353549,765935.49202591344,22978.064760777401,4365.8323045477064,null,17,769105.64198132895,42276.437252353549,726829.20472897543,21804.876141869263]
[null,18,784547.72448214318,43333.348183662383,741214.37629848078,22236.431288954424,4224.9219449013408,null,18,748634.08087084466,43333.348183662383,705300.73268718226,21159.021980615467]
[null,19,759225.88564253389,44416.681888253937,714809.20375428,21444.276112628399,4074.4124613993959,null,19,726459.75466779771,44416.681888253937,682043.07277954381,20461.292183386315]
[null,20,732179.06740550895,45527.098935460279,686651.96847004863,20599.559054101457,3913.9162202792768,null,20,702504.36496293009,45527.098935460279,656977.26602746977,19709.317980824093]
[null,21,703337.6113038708,46665.276408846781,656672.33489502408,19700.170046850722,3743.0323089016374,null,21,676686.58400829381,46665.276408846781,630021.30759944697,18900.639227983407]
[null,22,672629.47263297311,47831.908319067945,624797.5643139052,18743.926929417154,3561.3461165892591,null,22,648921.94682743039,47831.908319067945,601090.03850836249,18032.701155250874]
[null,23,639980.14512673311,49027.706027044638,590952.43909968843,17728.573172990651,3368.4289028682238,null,23,619122.73966361338,49027.706027044638,570095.0336365687,17102.851009097059]
[null,24,605312.58336981095,50253.398677720746,555059.18469209014,16651.775540762705,3163.8373527449139,null,24,587197.88464566576,50253.398677720746,536944.48596794507,16108.334579038352]
[null,25,568547.12288010796,51509.733644663764,517037.38923544419,15511.121677063325,2947.1131186420321,null,25,553052.82054698339,51509.733644663764,501543.08690231963,15046.292607069588]
[null,26,529601.39779386553,52797.476985780355,476803.92080808518,14304.117624242555,2717.7823486060856,null,26,516589.37950938923,52797.476985780355,463791.90252360888,13913.757075708267]
[null,27,488390.25608372164,54117.413910424861,434272.84217329678,13028.185265198903,2475.3552003877917,null,27,477705.65959931712,54117.413910424861,423588.24568889226,12707.647370666768]
[null,28,444825.67223810789,55470.349258185481,389355.32297992241,11680.659689397671,2219.3253409855574,null,28,436295.89305955905,55470.349258185481,380825.54380137357,11424.766314041206]
[null,29,398816.65732833452,56857.107989640113,341959.54933869443,10258.786480160832,1949.1694312305581,null,29,392250.31011541479,56857.107989640113,335393.2021257747,10061.796063773241]
[null,30,350269.16638762469,58278.535689381111,291990.63069824356,8759.7189209473072,1664.3465949799884,null,30,345454.99818954791,58278.535689381111,287176.46250016679,8615.2938750050034]
[null,31,299086.00302421086,59735.499081615635,239350.50394259521,7180.5151182778563,1364.2978724727927,null,31,295791.75637517177,59735.499081615635,236056.25729355612,7081.6877188066837]
[null,32,245166.72118840029,61228.88655865602,183937.83462974426,5518.1350388923274,1048.4456573895422,null,32,243137.94501236279,61228.88655865602,181909.05845370676,5457.2717536112023]
[null,33,188407.52401124706,62759.608722622419,125647.91528862464,3769.4374586587392,716.1931171451605,null,33,187366.33020731795,62759.608722622419,124606.72148469553,3738.2016445408658]
[null,34,128701.15963013822,64328.598940687974,64372.560689450249,1931.1768206835075,366.92359592986639,null,34,128344.9231292364,64328.598940687974,64016.324188548424,1920.4897256564527]
[null,35,65936.813914203885,65936.813914205166,-1.280568540096283E-9,-3.8417056202888484E-11,-7.2992406785488119E-12,null,35,65936.813914204875,65936.813914205166,-2.9103830456733704E-10,-8.7311491370201108E-12]
[]
[]
[null,"na 40 lat"]
[null,"Rok na emeryturze","Wartość rachunku na początku okresu","Wypłata na początku każdego roku:","Kwota pozostała jako inwestycja","Zyski w danym roku:","Podatek Belki",null,"Rok na emeryturze","Wartość rachunku na początku okresu","Wypłata na początku każdego roku:","Kwota pozostała jako inwestycja","Zyski w danym roku:"]
[null,1,1154451.0877768935,{"$f":"$D$11","v":28478.462232794882},{"$f":"C186-D186","v":1125972.6255440987},{"$f":"E186*$D$12","v":33779.178766322962},{"$f":"F186*$D$13","v":6418.0439656013632},null,1,1037650.2024034683,{"$f":"$D$11","v":28478.462232794882},{"$f":"J186-K186","v":1009171.7401706735},{"$f":"L186*$D$12","v":30275.152205120205}]
[null,2,{"$f":"E186+F186-G186","v":1153333.7603448203},{"$f":"D186*(1+$D$6)","v":29190.423788614753},{"$f":"C187-D187","v":1124143.3365562055},{"$f":"E187*$D$12","v":33724.300096686165},{"$f":"F187*$D$13","v":6407.6170183703716},null,2,{"$f":"L186+M186","v":1039446.8923757937},{"$f":"K186*(1+$D$6)","v":29190.423788614753},{"$f":"J187-K187","v":1010256.4685871789},{"$f":"L187*$D$12","v":30307.694057615365}]
[null,3,{"$f":"E187+F187-G187","v":1151460.0196345213},{"$f":"D187*(1+$D$6)","v":29920.184383330121},{"$f":"C188-D188","v":1121539.8352511912},{"$f":"E188*$D$12","v":33646.195057535733},6392.7770609317895,null,3,{"$f":"L187+M187","v":1040564.1626447942},{"$f":"K187*(1+$D$6)","v":29920.184383330121},{"$f":"J188-K188","v":1010643.978261464},{"$f":"L188*$D$12","v":30319.319347843921}]
[null,4,1148793.2532477952,30668.188992913372,{"$f":"C189-D189","v":1118125.0642548818},33543.751927646452,6373.3128662528261,null,4,1040963.2976093079,30668.188992913372,{"$f":"J189-K189","v":1010295.1086163946},30308.853258491836]
[null,5,1145295.5033162753,31434.893717736202,{"$f":"C190-D190","v":1113860.6095985391},33415.818287956172,6349.0054747116728,null,5,1040603.9618748864,31434.893717736202,{"$f":"J190-K190","v":1009169.0681571502},30275.072044714503]
[null,6,1140927.4224117834,32220.766060679605,1108706.6563511037,33261.199690533111,6319.6279412012909,null,6,1039444.1402018646,32220.766060679605,1007223.3741411851,30216.701224235552]
[null,7,1135648.2281004356,33026.285212196592,1102621.9428882389,33078.658286647165,6284.9450744629612,null,7,1037440.0753654207,33026.285212196592,1004413.790153224,30132.413704596718]
[null,8,1129415.6561004231,33851.942342501505,1095563.7137579215,32866.911412737645,6244.7131684201522,null,8,1034546.2038578207,33851.942342501505,1000694.2615153192,30020.827845459575]
[null,9,1122185.9120022389,34698.24090106404,1087487.6711011748,32624.630133035243,6198.6797252766964,null,9,1030715.0893607788,34698.24090106404,996016.84845971479,29880.505453791444]
[null,10,1113913.6215089331,35565.696923590636,1078347.9245853424,32350.437737560271,6146.5831701364514,null,10,1025897.3539135063,35565.696923590636,990331.65698991565,29709.949709697466]
[null,11,1104551.7791527663,36454.839346680397,1068096.939806086,32042.908194182579,6088.15255689469,null,11,1020041.6066996132,36454.839346680397,983586.76735293271,29507.60302058798]
[null,12,1094051.6954433741,37366.210330347407,1056685.4851130268,31700.564553390803,6023.1072651442528,null,12,1013094.3703735207,37366.210330347407,975728.16004317324,29271.844801295196]
[null,13,1082362.9424012732,38300.365588606088,1044062.5768126671,31321.87730438001,5951.1566878322019,null,13,1005000.0048444684,38300.365588606088,966699.63925586233,29000.98917767587]
[null,14,1069433.2974292149,39257.874728321236,1030175.4227008937,30905.262681026812,5871.9999093950946,null,14,995700.62843353825,39257.874728321236,956442.75370521704,28693.282611156512]
[null,15,1055208.6854725254,40239.321596529262,1014969.3638759962,30449.080916279883,5785.3253740931777,null,15,985136.0363163735,40239.321596529262,944896.71471984428,28346.901441595328]
[null,16,1039633.119418183,41245.304636442488,998387.81478174054,29951.634443452214,5690.8105442559208,null,16,973243.61616143957,41245.304636442488,931998.31152499712,27959.949345749912]
[null,17,1022648.6386809369,42276.437252353549,980372.20142858336,29411.166042857501,5588.1215481429253,null,17,959958.26087074704,42276.437252353549,917681.82361839351,27530.454708551802]
[null,18,1004195.2459232978,43333.348183662383,960861.89773963543,28825.856932189061,5476.9128171159218,null,18,945212.27832694526,43333.348183662383,901878.93014328287,27056.367904298484]
[null,19,984210.84185470862,44416.681888253937,939794.15996645472,28193.824798993639,5356.8267118087915,null,19,928935.29804758134,44416.681888253937,884518.61615932744,26535.558484779824]
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{"sheet":"Obliczenia - ile odkladac","index":2,"n_rows":21,"n_cols":11,"rows_kept":21,"cut":false,"hidden":false,"merged":[]}
[]
[null,null,"Uwaga! To jest arkusz obliczeniowy. Najlepiej przy nim nie majstrować :) Jeśli chcesz zmienić założenia zrób to w zakładce \"Założenia i wyniki\""]
[]
[null,null,"Obliczenie miesięcznej kwoty oszczędności"]
[null,null,"Liczba lat do emerytury",{"$f":"'Zalozenia i wyniki'!D16","v":35}]
[null,null,"Stopa zwrotu przed emeryturą",{"$f":"'Zalozenia i wyniki'!D17","v":0.04}]
[null,null,"Stopa zwrotu po podatku Belki",{"$f":"$D$6*(1-$D$9)","v":3.2400000000000005E-2}]
[null,null,"Obecne oszczędności",{"$f":"'Zalozenia i wyniki'!D19","v":0}]
[null,null,"Stawka podatku Belki",{"$f":"'Zalozenia i wyniki'!D23","v":0.19}]
[]
[]
[null,"Bez podatku Belki (PRZED EMERYTURĄ)",null,null,12,"m-cy","Z podatkiem Belki (PRZED EMERYTURĄ)",null,null,12,"m-cy"]
[null,"Na ile lat emerytury ma wystarczyć? ","FV","PMT roczne","PMT miesięczne",null,"Na ile lat emerytury ma wystarczyć? ","FV","PMT roczne","PMT miesięczne"]
[null,"na 5 lat",{"$f":"'Zalozenia i wyniki'!C32","v":142587.06418180693},{"$f":"IF(-PMT($D$6,$D$5,-$D$8,C14)>=0,-PMT($D$6,$D$5,-$D$8,C14),0)","v":1935.9505359402508},{"$f":"D14/$E$12","v":161.32921132835423},null,"na 5 lat",{"$f":"'Zalozenia i wyniki'!C32","v":142587.06418180693},{"$f":"IF(-PMT($D$7,$D$5,-$D$8,H14)>=0,-PMT($D$7,$D$5,-$D$8,H14,0),0)","v":2250.6398640923039},{"$f":"I14/$J$12","v":187.553322007692}]
[null,"na 10 lat",{"$f":"'Zalozenia i wyniki'!C33","v":285662.01012919639},{"$f":"IF(-PMT($D$6,$D$5,-$D$8,C15)>=0,-PMT($D$6,$D$5,-$D$8,C15),0)","v":3878.5251998894128},{"$f":"D15/$E$12","v":323.21043332411773},null,"na 10 lat",{"$f":"'Zalozenia i wyniki'!C33","v":285662.01012919639},{"$f":"IF(-PMT($D$7,$D$5,-$D$8,H15)>=0,-PMT($D$7,$D$5,-$D$8,H15,0),0)","v":4508.9806101466884},{"$f":"I15/$J$12","v":375.74838417889072}]
[null,"na 15 lat",{"$f":"'Zalozenia i wyniki'!C34","v":429226.50719849113},5827.7466572364283,485.64555476970236,null,"na 15 lat",{"$f":"'Zalozenia i wyniki'!C34","v":429226.50719849113},6775.0485878177233,564.58738231814357]
[null,"na 20 lat",{"$f":"'Zalozenia i wyniki'!C35","v":573282.23045795446},7783.6376509230913,648.63647091025757,null,"na 20 lat",{"$f":"'Zalozenia i wyniki'!C35","v":573282.23045795446},9048.8702369190814,754.07251974325675]
[null,"na 25 lat",{"$f":"'Zalozenia i wyniki'!C36","v":717830.86070732668},9746.2210017093184,812.18508347577654,null,"na 25 lat",{"$f":"'Zalozenia i wyniki'!C36","v":717830.86070732668},11330.47208773189,944.20600731099091]
[null,"na 30 lat",{"$f":"'Zalozenia i wyniki'!C37","v":862874.08449744945},11715.51960843957,976.29330070329752,null,"na 30 lat",{"$f":"'Zalozenia i wyniki'!C37","v":862874.08449744945},13619.880761314516,1134.9900634428764]
[null,"na 35 lat",{"$f":"'Zalozenia i wyniki'!C38","v":1008413.5941499284},13691.556448309846,1140.9630373591538,null,"na 35 lat",{"$f":"'Zalozenia i wyniki'!C38","v":1008413.5941499284},15917.122969812906,1326.4269141510756]
[null,"na 40 lat",{"$f":"'Zalozenia i wyniki'!C39","v":1154451.0877768935},15674.354577135957,1306.1962147613297,null,"na 40 lat",{"$f":"'Zalozenia i wyniki'!C39","v":1154451.0877768935},18222.225516772494,1518.5187930643744]

{"sheet":"Techniczne","index":3,"n_rows":5,"n_cols":4,"rows_kept":5,"cut":false,"hidden":false,"merged":[[0,3,0,16]]}
[null,null,null,"Uwaga! To jest arkusz obliczeniowy. Najlepiej przy nim nie majstrować :) Jeśli chcesz zmienić założenia zrób to w zakładce \"Założenia i wyniki\""]
[]
[null,"Lista rozwijalna podatku Belki:"]
[null,"TAK"]
[null,"NIE"]