Haalbaar
Stoppen op je 67e kan.
Met €4.000 per maand reikt je vermogen tot na je 90e.
Vroegst stoppen
54 jaar
Max. uitgeven na pensioen
€10.860
netto per maand
Vermogen bij stoppen
€2,8 mln
in koopkracht van nu
Over op je 90e
€3,4 mln
nalatenschap
Je vermogen door de jaren
Per pot, in koopkracht van nu
- Lijfrente: €11.651 inleg per jaar levert €5.880 belastingteruggave op (50%). Later betaal je over de uitkering vaak een lager tarief.
- €2,3 mln van je vermogen zit in de BV. Bij uitkeren betaal je nog 24,5–31% box 2. Spreid uitkeringen om de lage schijf elk jaar te benutten.
| Leeftijd | BV-winst | Netto salaris | Netto dividend | AOW | Lijfrente uit | Lijfrente in | Uitgaven | Belasting | BV | Lijfrente | Privé | Totaal |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 40 | 150.000 | 43.107 | 4.893 | 0 | 0 | 11.651 | 48.000 | 33.865 | 116.304 | 11.651 | 14.203 | 142.157 |
| 41 | 150.000 | 43.107 | 0 | 0 | 0 | 11.651 | 48.000 | 33.033 | 190.597 | 23.699 | 4.024 | 218.320 |
| 42 | 150.000 | 43.107 | 6.640 | 0 | 0 | 11.651 | 48.000 | 36.035 | 257.785 | 36.159 | 137 | 294.081 |
| 43 | 150.000 | 43.107 | 10.527 | 0 | 0 | 11.651 | 48.000 | 38.062 | 321.353 | 49.045 | 5 | 370.403 |
| 44 | 150.000 | 43.107 | 10.659 | 0 | 0 | 11.651 | 48.000 | 38.830 | 386.192 | 62.371 | 0 | 448.562 |
| 45 | 150.000 | 43.107 | 10.664 | 0 | 0 | 11.651 | 48.000 | 39.570 | 452.499 | 76.151 | 0 | 528.650 |
| 46 | 150.000 | 43.107 | 10.664 | 0 | 0 | 11.651 | 48.000 | 40.326 | 520.315 | 90.402 | 0 | 610.717 |
| 47 | 150.000 | 43.107 | 10.664 | 0 | 0 | 11.651 | 48.000 | 41.099 | 589.673 | 105.140 | 0 | 694.813 |
| 48 | 150.000 | 43.107 | 10.664 | 0 | 0 | 11.651 | 48.000 | 41.890 | 660.609 | 120.381 | 0 | 780.990 |
| 49 | 150.000 | 43.107 | 10.664 | 0 | 0 | 11.651 | 48.000 | 42.699 | 733.158 | 136.142 | 0 | 869.300 |
| 50 | 150.000 | 43.107 | 10.664 | 0 | 0 | 11.651 | 48.000 | 43.526 | 807.358 | 152.442 | 0 | 959.800 |
| 51 | 150.000 | 43.107 | 10.664 | 0 | 0 | 11.651 | 48.000 | 44.372 | 883.245 | 169.298 | 0 | 1.052.543 |
| 52 | 150.000 | 43.107 | 10.664 | 0 | 0 | 11.651 | 48.000 | 45.237 | 960.859 | 186.729 | 0 | 1.147.588 |
| 53 | 150.000 | 43.107 | 10.664 | 0 | 0 | 11.651 | 48.000 | 46.121 | 1.040.238 | 204.756 | 0 | 1.244.994 |
| 54 | 150.000 | 43.107 | 10.664 | 0 | 0 | 11.651 | 48.000 | 47.026 | 1.121.422 | 223.399 | 0 | 1.344.821 |
| 55 | 150.000 | 43.107 | 10.664 | 0 | 0 | 11.651 | 48.000 | 47.952 | 1.204.453 | 242.678 | 0 | 1.447.131 |
| 56 | 150.000 | 43.107 | 10.664 | 0 | 0 | 11.651 | 48.000 | 48.898 | 1.289.373 | 262.615 | 0 | 1.551.988 |
| 57 | 150.000 | 43.107 | 10.664 | 0 | 0 | 11.651 | 48.000 | 49.867 | 1.376.224 | 283.233 | 0 | 1.659.458 |
| 58 | 150.000 | 43.107 | 10.664 | 0 | 0 | 11.651 | 48.000 | 50.857 | 1.465.051 | 304.556 | 0 | 1.769.607 |
| 59 | 150.000 | 43.107 | 10.664 | 0 | 0 | 11.651 | 48.000 | 51.869 | 1.555.899 | 326.606 | 0 | 1.882.505 |
| 60 | 150.000 | 43.107 | 10.664 | 0 | 0 | 11.651 | 48.000 | 52.905 | 1.648.813 | 349.409 | 0 | 1.998.222 |
| 61 | 150.000 | 43.107 | 10.664 | 0 | 0 | 11.651 | 48.000 | 53.964 | 1.743.840 | 372.991 | 0 | 2.116.831 |
| 62 | 150.000 | 43.107 | 10.664 | 0 | 0 | 11.651 | 48.000 | 55.047 | 1.841.029 | 397.378 | 0 | 2.238.407 |
| 63 | 150.000 | 43.107 | 10.664 | 0 | 0 | 11.651 | 48.000 | 56.155 | 1.940.429 | 422.598 | 0 | 2.363.026 |
| 64 | 150.000 | 43.107 | 10.664 | 0 | 0 | 11.651 | 48.000 | 57.620 | 2.041.757 | 448.679 | 0 | 2.490.436 |
| 65 | 150.000 | 43.107 | 10.664 | 0 | 0 | 11.651 | 48.000 | 59.189 | 2.144.978 | 475.650 | 0 | 2.620.628 |
| 66 | 150.000 | 43.107 | 10.664 | 0 | 0 | 11.651 | 48.000 | 60.787 | 2.250.125 | 503.543 | 0 | 2.753.667 |
| 67 | 0 | 0 | 42.120 | 0 | 0 | 0 | 48.000 | 39.320 | 2.245.518 | 520.737 | 0 | 2.766.255 |
| 68 | 0 | 0 | 32.840 | 15.160 | 0 | 0 | 48.000 | 37.028 | 2.253.099 | 538.518 | 0 | 2.791.617 |
| 69 | 0 | 0 | 6.109 | 20.213 | 21.678 | 0 | 48.000 | 42.165 | 2.296.258 | 520.562 | 0 | 2.816.820 |
| 70 | 0 | 0 | 6.109 | 20.213 | 21.678 | 0 | 48.000 | 42.657 | 2.340.398 | 501.992 | 0 | 2.842.390 |
| 71 | 0 | 0 | 6.109 | 20.213 | 21.678 | 0 | 48.000 | 43.160 | 2.385.543 | 482.788 | 0 | 2.868.331 |
| 72 | 0 | 0 | 6.109 | 20.213 | 21.678 | 0 | 48.000 | 43.675 | 2.431.714 | 462.929 | 0 | 2.894.643 |
| 73 | 0 | 0 | 6.109 | 20.213 | 21.678 | 0 | 48.000 | 44.201 | 2.478.936 | 442.391 | 0 | 2.921.327 |
| 74 | 0 | 0 | 6.109 | 20.213 | 21.678 | 0 | 48.000 | 44.739 | 2.527.232 | 421.152 | 0 | 2.948.384 |
| 75 | 0 | 0 | 6.109 | 20.213 | 21.678 | 0 | 48.000 | 45.290 | 2.576.626 | 399.188 | 0 | 2.975.814 |
| 76 | 0 | 0 | 6.109 | 20.213 | 21.678 | 0 | 48.000 | 45.853 | 2.627.144 | 376.474 | 0 | 3.003.618 |
| 77 | 0 | 0 | 6.109 | 20.213 | 21.678 | 0 | 48.000 | 46.429 | 2.678.811 | 352.984 | 0 | 3.031.795 |
| 78 | 0 | 0 | 6.109 | 20.213 | 21.678 | 0 | 48.000 | 47.018 | 2.731.653 | 328.693 | 0 | 3.060.345 |
| 79 | 0 | 0 | 6.109 | 20.213 | 21.678 | 0 | 48.000 | 47.620 | 2.785.697 | 303.571 | 0 | 3.089.268 |
| 80 | 0 | 0 | 6.109 | 20.213 | 21.678 | 0 | 48.000 | 48.237 | 2.840.970 | 277.592 | 0 | 3.118.562 |
| 81 | 0 | 0 | 6.109 | 20.213 | 21.678 | 0 | 48.000 | 48.867 | 2.897.501 | 250.726 | 0 | 3.148.227 |
| 82 | 0 | 0 | 6.109 | 20.213 | 21.678 | 0 | 48.000 | 49.511 | 2.955.317 | 222.942 | 0 | 3.178.260 |
| 83 | 0 | 0 | 6.109 | 20.213 | 21.678 | 0 | 48.000 | 50.170 | 3.014.449 | 194.210 | 0 | 3.208.659 |
| 84 | 0 | 0 | 6.109 | 20.213 | 21.678 | 0 | 48.000 | 50.844 | 3.074.926 | 164.497 | 0 | 3.239.423 |
| 85 | 0 | 0 | 6.109 | 20.213 | 21.678 | 0 | 48.000 | 51.534 | 3.136.778 | 133.769 | 0 | 3.270.547 |
| 86 | 0 | 0 | 6.109 | 20.213 | 21.678 | 0 | 48.000 | 52.239 | 3.200.037 | 101.992 | 0 | 3.302.029 |
| 87 | 0 | 0 | 6.109 | 20.213 | 21.678 | 0 | 48.000 | 52.960 | 3.264.735 | 69.129 | 0 | 3.333.865 |
| 88 | 0 | 0 | 6.109 | 20.213 | 21.678 | 0 | 48.000 | 53.698 | 3.330.905 | 35.145 | 0 | 3.366.050 |
| 89 | 0 | 0 | 6.109 | 20.213 | 21.678 | 0 | 48.000 | 54.452 | 3.398.580 | 0 | 0 | 3.398.580 |