Kalkylator - kapital som behövs för din ekonomiska frihet | RikaTillsammans
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Kalkylator – kapital som behövs för din ekonomiska frihet

Räkna ut hur mycket pengar du behöver för att ha möjlighet att äga din tid

Syftet med nedanstående kalkylator är att beräkna hur lång tid och vilket kapital det behövs för att du ska kunna bli ekonomiskt oberoende.

Börja med att fylla i den passiva inkomst som du vill ha varje månad som du lever det liv du älskar på. T.ex. 20.000 SEK. Detta medför i så fall att du behöver ha en årlig avkastning på 240.000 SEK.

Ange sedan en ränta på en relativt säkert placering som du tror kan ge dig den här avkastning varje år. Exempelvis är bankräntan på 4.75% i dagsläget en sådan ränta. Ett annat exempel är t.ex. en lågrisk hedgefond som ger i genomsnitt 8%. Låt oss använda det senare.

Slutligen kommer detta att beräkna det kapital du behöver placera till den ovanstående räntan för att du ska kunna nå din årliga avkastning som du anger i den första rutan. Du får även den faktor på hur många gånger du behöver öka ditt kapital för att komma upp i denna summa.

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    Är inflationen inräknad i räknemodellen?
    Tack i övrigt, för en super bra och inspirerande blogg!
    /Christina

    Christina

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      Nej, det är det inte. Det kommer en uppdaterad sådan variant framgent. :-)

      Jan Bolmeson

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    Hej!

    Förutsatt att man har sparat ihop tillräckligt enligt modellen ovan och därav slutat arbeta. Hur ska man agera de år där avkastningen på kapitalet uteblir?

    Mvh
    Laila

    Laila

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      Beror på hur beroende av pengarna man är. Ofta finns det en nivå så kallad safe withdrawal rate på någon procent. Kommer en artikel på ämnet snart.

      Jan Bolmeson

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    Tack för en mycket lärorik blogg!
    Jag har ett förslag till utökning av denna kalkylator (kapital som behövs för din ekonomiska frihet). Det hade varit väldigt intressant om man kunde fylla i ett månadsspar också, då jag tror det ger en mer rimlig bild över hur processen kan se ut mot målet om ekonomisk frihet.

    Mvh
    Johan

    Johan Jakobsson

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      Hej,
      Tycker precis som Johan att du bör komplettera denna kalkylator med en funktion för månadssparande!

      Viktor

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      Tack så mycket för förslaget. Det var lite klurigare än jag trodde, men nu är det gjort!

      Jan Bolmeson