<% if request.Form("postback")<>"selected" then PSel="selected" else Psel="" end if %> 1秒鐘，算出你的退休金
<%if Request.Form ("Submit")="試算結果" then CBOldYearEx = 0 CBYearEx = 0 CBNSYear = 0 CBRtYear = 0 CBRte = 0.0 CBNGvRt = 0.0 CBMoneyRt = 0.0 CBPRt = 0.0 CBhopeRt = 0.0 TBoxSMoney = 0.0 TBoxOG = 0.0 TBoxRtM = 0.0 TBoxANeed = 0.0 TBoxAM = 0.0 TBoxAll = 0.0 TBoxMM = 0.0 TBoxEct = 0.0 TBoxRRMoney = 0 TBoxNM = 0 Y = 0 RtY = 0 ExR = 0.0 V = 0.0 Vt = 0.0 VtY = 0.0 YExt = 0.0 M1 = 0.0 M2 = 0.0 M3 = 0.0 M4 = 0 CBNSYear = Request.form("CBNSYear") CBRtYear = Request.form("CBRtYear") CBYearEx = Request.form("CBYearEx") CBOldYearEx = Request.form("CBOldYearEx") TBoxSMoney = Request.form("TBoxSMoney") if trim(TBoxSmoney)="" then TBoxSmoney=0 CBMoneyRt = Request.form("CBMoneyRt") / 100 CBRte = Request.form("CBRte") / 100 CBepRt = Request.form("CBepRt") / 100 CBPRt = Request.form("CBPRt") / 100 CBhopeRt = Request.form("CBhopeRt") / 100 CBNGvRt = Request.form("CBNGvRt") / 100 TBoxEct = Request.form("TBoxEct") Y =CBRtYear - CBNSYear call calculate %>
 
 
您是否曾經想過退休後要過怎樣的生活？當社會越來越高齡化，您是否準備好一筆足夠的退休金安養餘年？
只要您輸入年齡，預計退休年齡，目前月薪、預期平均月薪成長率等假設條件，立即幫您算出假設選擇舊制、先留在舊制幾年後再選新制或選擇新制所產生的退休金；進一步為您評估退休理財需求，協助您規劃出理想的退休理財計劃。
現在就動手規劃一下，提早作退休準備，讓自己退休後享受悠閒、知性、寧適的生活。
 
 
 
 
新制起算日年齡 歲 預定薪資成長率 %
預計退休年齡 歲 預定利率 %
勞保年資 年 預期通貨膨脹率 %
舊制年資 年 希望所得替代率＊ %
起算日之月薪 > 元 新制提撥率 %
 
 
＊ 所得替代率 = 退休後所能得到之資金／退休前之平均薪資（可依年或月為單位 衡量）。
 是衡量退休以後能否過著與退休前相同的生活水準的指標。
例如：退休前每月薪資是10萬元，期望退休後還能享有每個月6萬元的生活水準，則所得替代率為60%。
 
     
 
預估個人理財投資
年平均報酬率		   %
＊建議您先進行投資屬性分析，以瞭解您最適投資平均年報酬率
 
 
 
 
 
推估退休前月薪
<%=formatnumber(TBoxRRMoney,"0,000")%>  元
勞保養老給付
<%=formatnumber(TBoxOG,"0,000")%>  元
勞基法退休金
<%=formatnumber(TBoxRtM,"0,000")%>  元
新制退休金
<%=formatnumber(TBoxNM,"0,000")%>  元
現有退休準備金
<%=formatnumber(TBoxAll,"0,000")%>  元
 
 
 
退休總需求
<%=formatnumber(TBoxANeed,"0,000")%>  元
總需求不足金額
<%=formatnumber(TBoxAM,"0,000")%>  元
每月應投資
<%=formatnumber(TBoxMM,"0,000")%>  元
 
請注意
1. 本試算為假設性之電腦試算，僅供退休理財準備之參考用。
2. 新制起算日年齡為轉換為新制時之實際年齡。
3. 勞保年資為自參加勞保起算至退休之年資。
4. 舊制年資為自進入公司起算至轉換為新制之年資。
5. 預定利率用於勞退新制之計算及個人退休需求之估計。
6. 個人理財投資 年平均報酬率用於計算每月投資金額，以填補總需求不足之缺口。 建議您先進行投資屬性分析，以瞭解您最適投資平均年報酬率
7. 本試算男女平均壽命皆以80歲計算。
 
 
<% end if %>
 
<% sub calculate '計算 for Yi=0 to Y-1 TBoxRRMoney = round(TBoxSMoney * (1 + CBMoneyRt)^Yi) ' TBoxRRMoney = round(TBoxSMoney * Math.pow((1 + CBMoneyRt), Yi)) if TBoxRRMoney >= 147901 then M2 = 150000 elseif TBoxRRMoney <= 147900 and TBoxRRMoney > 142500 then M2 = 147900 elseif TBoxRRMoney <= 142500 and TBoxRRMoney > 137100 then M2 = 142500 elseif TBoxRRMoney <= 137100 and TBoxRRMoney > 131700 then M2 = 137100 elseif TBoxRRMoney <= 131700 and TBoxRRMoney > 126300 then M2 = 131700 elseif TBoxRRMoney <= 126300 and TBoxRRMoney > 120900 then M2 = 126300 elseif TBoxRRMoney <= 120900 and TBoxRRMoney > 115500 then M2 = 120900 elseif TBoxRRMoney <= 115500 and TBoxRRMoney > 110100 then M2 = 115500 elseif TBoxRRMoney <= 110100 and TBoxRRMoney > 105600 then M2 = 110100 elseif TBoxRRMoney <= 105600 and TBoxRRMoney > 101100 then M2 = 105600 elseif TBoxRRMoney <= 101100 and TBoxRRMoney > 96600 then M2 = 101100 elseif TBoxRRMoney <= 96600 and TBoxRRMoney > 92100 then M2 = 96600 elseif TBoxRRMoney <= 92100 and TBoxRRMoney > 87600 then M2 = 92100 elseif TBoxRRMoney <= 87600 and TBoxRRMoney > 83900 then M2 = 87600 elseif BoxRRMoney <= 83900 and TBoxRRMoney > 80200 then M2 = 83900 elseif BoxRRMoney <= 80200 and TBoxRRMoney > 76500 then M2 = 80200 elseif TBoxRRMoney <= 76500 and TBoxRRMoney > 72800 then M2 = 76500 elseif TBoxRRMoney <= 72800 and TBoxRRMoney > 69800 then M2 = 72800 elseif TBoxRRMoney <= 69800 and TBoxRRMoney > 66800 then M2 = 69800 elseif TBoxRRMoney <= 66800 and TBoxRRMoney > 63800 then M2 = 66800 elseif TBoxRRMoney <= 63800 and TBoxRRMoney > 60800 then M2 = 63800 elseif BoxRRMoney <= 60800 and TBoxRRMoney > 57800 then M2= 60800 elseif TBoxRRMoney <= 57800 and TBoxRRMoney > 55400 then M2= 57800 elseif TBoxRRMoney <= 55400 and TBoxRRMoney > 53000 then M2= 55400 elseif BoxRRMoney <= 53000 and TBoxRRMoney > 50600 then M2= 53000 elseif BoxRRMoney <= 50600 and TBoxRRMoney > 48200 then M2= 50600 elseif TBoxRRMoney <= 48200 and TBoxRRMoney > 45800 then M2= 48200 elseif TBoxRRMoney <= 45800 and TBoxRRMoney > 43900 then M2= 45800 elseif TBoxRRMoney <= 43900 and TBoxRRMoney > 42000 then M2= 43900 elseif TBoxRRMoney <= 42000 and TBoxRRMoney > 40100 then M2= 42000 elseif TBoxRRMoney <= 40100 and TBoxRRMoney > 38200 then M2= 40100 elseif TBoxRRMoney <= 38200 and TBoxRRMoney > 36300 then M2= 38200 elseif TBoxRRMoney <= 36300 and TBoxRRMoney > 34800 then M2= 36300 elseif TBoxRRMoney <= 34800 and TBoxRRMoney > 33300 then M2= 34800 elseif TBoxRRMoney <= 33300 and TBoxRRMoney > 31800 then M2= 33300 elseif TBoxRRMoney <= 31800 and TBoxRRMoney > 30300 then M2= 31800 elseif TBoxRRMoney <= 30300 and TBoxRRMoney > 28800 then M2= 30300 elseif TBoxRRMoney <= 28800 and TBoxRRMoney > 27600 then M2= 28800 elseif TBoxRRMoney <= 27600 and TBoxRRMoney > 26400 then M2= 27600 elseif TBoxRRMoney <= 26400 and TBoxRRMoney > 25200 then M2= 26400 elseif TBoxRRMoney <= 25200 and TBoxRRMoney > 24000 then M2= 25200 elseif TBoxRRMoney <= 24000 and TBoxRRMoney > 22800 then M2= 24000 elseif TBoxRRMoney <= 22800 and TBoxRRMoney > 21900 then M2= 22800 elseif TBoxRRMoney <= 21900 and TBoxRRMoney > 21000 then M2= 21900 elseif TBoxRRMoney <= 21000 and TBoxRRMoney > 20100 then M2= 21000 elseif TBoxRRMoney <= 20100 and TBoxRRMoney > 19200 then M2= 20100 elseif TBoxRRMoney <= 19200 and TBoxRRMoney > 18300 then M2= 19200 elseif TBoxRRMoney <= 18300 and TBoxRRMoney > 17400 then M2= 18300 elseif TBoxRRMoney <= 17400 and TBoxRRMoney > 16500 then M2= 17400 elseif TBoxRRMoney <= 16500 and TBoxRRMoney > 15840 then M2= 16500 elseif TBoxRRMoney <= 15840 and TBoxRRMoney > 13500 then M2= 15840 elseif TBoxRRMoney <= 13500 and TBoxRRMoney > 12300 then M2= 13500 elseif TBoxRRMoney <= 12300 and TBoxRRMoney > 11100 then M2= 12300 elseif TBoxRRMoney <= 11100 and TBoxRRMoney > 9900 then M2= 11100 elseif TBoxRRMoney <= 9900 and TBoxRRMoney > 8700 then M2= 9900 elseif TBoxRRMoney <= 8700 and TBoxRRMoney > 7500 then M2= 8700 elseif TBoxRRMoney <= 7500 and TBoxRRMoney > 6000 then M2= 7500 elseif TBoxRRMoney <= 6000 and TBoxRRMoney > 4500 then M2= 6000 elseif TBoxRRMoney <= 4500 and TBoxRRMoney > 3000 then M2= 4500 elseif TBoxRRMoney <= 3000 and TBoxRRMoney > 1500 then M2= 3000 else M2= 1500 end if M3 = M2 * CBNGvRt M4 = 0 'dim j for j = 1 to 11 M4 = (M4 + M3) * ((1 + CBRte / 12)) next M4 = M4 + M3 TBoxNM = TBoxNM * (1 + CBRte) + M4 next RtY = 80 - CBRtYear + 1 TBoxRRMoney = round(TBoxSMoney * (1 + CBMoneyRt)^(Y - 1)) 'TBoxRRMoney = round(TBoxSMoney * Math.pow( (1 + CBMoneyRt),(Y - 1))) ExR = CBRte - CBepRt if TBoxRRMoney >= 40101 then M1= 42000 elseif TBoxRRMoney <= 40100 and TBoxRRMoney > 38200 then M1= 40100 elseif TBoxRRMoney <= 38200 and TBoxRRMoney > 36300 then M1= 38200 elseif TBoxRRMoney <= 36300 and TBoxRRMoney > 34800 then M1= 36300 elseif TBoxRRMoney <= 34800 and TBoxRRMoney > 33300 then M1= 34800 elseif TBoxRRMoney <= 33300 and TBoxRRMoney > 31800 then M1= 33300 elseif TBoxRRMoney <= 31800 and TBoxRRMoney > 30300 then M1= 31800 elseif TBoxRRMoney <= 30300 and TBoxRRMoney > 28800 then M1= 30300 elseif TBoxRRMoney <= 28800 and TBoxRRMoney > 27600 then M1= 28800 elseif TBoxRRMoney <= 27600 and TBoxRRMoney > 26400 then M1= 27600 elseif TBoxRRMoney <= 26400 and TBoxRRMoney > 25200 then M1= 26400 elseif TBoxRRMoney <= 25200 and TBoxRRMoney > 24000 then M1= 25200 elseif TBoxRRMoney <= 24000 and TBoxRRMoney > 22800 then M1= 24000 elseif TBoxRRMoney <= 22800 and TBoxRRMoney > 21900 then M1= 22800 elseif TBoxRRMoney <= 21900 and TBoxRRMoney > 21000 then M1= 21900 elseif TBoxRRMoney <= 21000 and TBoxRRMoney > 20100 then M1= 21000 elseif TBoxRRMoney <= 20100 and TBoxRRMoney > 19200 then M1= 20100 elseif TBoxRRMoney <= 19200 and TBoxRRMoney > 18300 then M1= 19200 elseif TBoxRRMoney <= 18300 and TBoxRRMoney > 17400 then M1= 18300 elseif TBoxRRMoney <= 17400 and TBoxRRMoney > 16500 then M1= 17400 elseif TBoxRRMoney <= 16500 and TBoxRRMoney > 15840 then M1= 16500 else M1= 15840 end if if CBYearEx <= 15 then TBoxOG = (CBYearEx * M1) elseif CBYearEx >= 15 and CBYearEx <= 30 then TBoxOG = (2 * (CBYearEx - 15) + 15) * M1 else TBoxOG = (45 * M1) end if if CBOldYearEx <= 15 then TBoxRtM = (2 * CBOldYearEx * TBoxRRMoney) elseif CBOldYearEx >= 15 and CBOldYearEx <= 30 then TBoxRtM = (30 + (CBOldYearEx - 15)) * TBoxRRMoney else TBoxRtM = (45 * TBoxRRMoney) end if if ExR = 0 then VtY = RtY else V = (1 / (1 + ExR)) VtY = (1 - V^ RtY) / ((ExR) * V) 'VtY = (1 - Math.pow(V, RtY)) / ((ExR) * V) end if TBoxANeed = round(TBoxRRMoney * CBhopeRt * 12 * VtY) TBoxOG = round(TBoxOG) TBoxRtM = round(TBoxRtM) TBoxNM = round(TBoxNM) TBoxEct = round(TBoxEct) TBoxAll = TBoxOG + TBoxRtM + TBoxNM + TBoxEct TBoxAM = TBoxANeed - TBoxAll if CBPRt = 0 then YExt = Y else Vt = (1 / (1 + CBPRt)) YExt =(((1 + CBPRt)^Y) - 1) / ((CBPRt) * Vt) 'YExt =(Math.pow((1 + CBPRt),Y) - 1) / ((CBPRt) * Vt) end if TBoxMM = round(( TBoxAM / 12 ) / YExt) end sub function BackSel(Num,name) ifsel=Request.Form (name) if ifsel=Num then BackSel="Selected" else BackSel="" end function %>