{"text_format":"1","workbook":"xlsx","n_sheets":1,"sheets":["BB_Renten-Rechner"],"not_rendered":{"charts":2,"images":1,"macros":1,"external_links":0,"defined_names":0,"comments":0,"pivot_tables":0},"unopened":[],"bounds":{"document_bytes":16777216,"sheet_cells":100000,"rows_first":2000,"rows_last":500,"rows_between":2000,"halvings":0,"cell_chars":16384,"cell_head_chars":4096},"cells_cut":0,"cells_raw":0,"read":"whole","date_system":"1900"}

{"sheet":"BB_Renten-Rechner","index":0,"n_rows":96,"n_cols":15,"rows_kept":96,"cut":false,"hidden":false,"merged":[[15,0,29,1],[29,14,57,17]]}
["Startkapital",20000,null,"Jahre","Alter","Jahr","Kapital","Sparrate p.a.","Entnahme p.a.","Kaufkraft (heute) p.a.","Rendite p.a.","Sondereinlagen/-entnahmen","Entnahmesatz %"]
["monatliche Sparrate €",500,null,1,{"$f":"B11","v":26},{"$f":"B3","v":2026},{"$f":"$B$1","v":20000},{"$f":"IF(F2<$B$4, 12*$B$2 * (1 + $B$14 / 100) ^ (F2 - $B$3), 0)","v":6000},{"$f":"IF(F2 >= $B$4, -12 * $B$5 / (1 - $B$13 / 100) * (1 + $B$7 / 100) ^ (F2 - $B$4), 0)","v":0},{"$f":"-(I2 * (1 - $B$13 / 100)) / (1 + $B$7 / 100) ^ (F2 - $B$3)","v":0},{"$f":"IF((G2+H2+L2)<=0, 0, (G2 + L2 + I2 +H2/2) * ($B$6 / 100))","v":1610.0000000000011},0,{"$f":"IF(AND(I2+L2<0,G2>0),-(I2+L2)/G2, 0)","v":0}]
["Beginn Investment (Jahr)",2026,null,2,{"$f":"E2+1","v":27},2027,{"$f":"IF( G2+H2+I2+K2+L2 <0, 0, G2+H2+I2+K2+L2)","v":27610},6120,0,0,2146.9000000000015,0,0]
["Beginn Entnahme (Jahr)",2064,null,3,{"$f":"E3+1","v":28},2028,35876.9,6242.4,0,0,2729.867000000002,0,0]
["monatliche Entnahme € (netto)",4000,null,4,{"$f":"E4+1","v":29},2029,44849.167000000001,6367.2479999999996,0,0,3362.2953700000021,0,0]
["Rendite p.a. in %",7.0000000000000044,null,5,{"$f":"E5+1","v":30},2030,54578.710370000001,6494.5929599999999,0,0,4047.8204795000029,0,0]
["Inflationsrate p.a. in %",2.5,null,6,{"$f":"E6+1","v":31},2031,65121.123809500008,6624.4848191999999,0,0,4790.3356353370036,0,0]
["Monatszins",{"$f":"(1 + $B$6 / 100)^(1 / 12) - 1","v":5.6541453874052738E-3},null,7,{"$f":"E7+1","v":32},2032,76535.944264037011,6756.9745155840001,0,0,5594.0102065280353,0,0]
["Kaufkraft Entnahme zum Start",{"$f":"$B$5/ (1 + $B$7 / 100) ^ ($B$4 - $B$3)","v":1565.139696090029},null,8,{"$f":"E8+1","v":33},2033,88886.928986149054,6892.1140058956789,0,0,6463.3090192367872,0,0]
["Vermögen vererben in €",1,null,9,{"$f":"E9+1","v":34},2034,102242.35201128152,7029.9562860135929,0,0,7403.013110800187,0,0]
["Alter bei Start",26,null,10,{"$f":"E10+1","v":35},2035,116675.32140809529,7170.5554117338652,0,0,8418.2419379773619,0,0]
["Lebenserwartung",100,null,11,{"$f":"E11+1","v":36},2036,132264.11875780651,7313.9665199685423,0,0,9514.4771412453611,0,0]
["Steuersatz in %",26,null,12,{"$f":"E12+1","v":37},2037,149092.56241902043,7460.2458503679118,0,0,10697.587974094315,0,0]
["Sparrate jährlich steigern um %",2,null,13,{"$f":"E13+1","v":38},2038,167250.39624348265,7609.4507673752714,0,0,11973.858513901929,0,0]
[null,null,null,14,{"$f":"E14+1","v":39},2039,186833.70552475986,7761.6397827227765,0,0,13350.016779128497,0,0]
[null,null,null,15,{"$f":"E15+1","v":40},2040,207945.36208661113,7916.8725783772325,0,0,14833.265886305993,0,0]
[null,null,null,16,{"$f":"E16+1","v":41},2041,230695.50055129436,8075.2100299447757,0,0,16431.317389638683,0,0]
[null,null,null,17,{"$f":"E17+1","v":42},2042,255202.02797087783,8236.7142305436719,0,0,18152.426956030489,0,0]
[null,null,null,18,{"$f":"E18+1","v":43},2043,281591.16915745201,8401.4485151545468,0,0,20005.432539052064,0,0]
[null,null,null,19,{"$f":"E19+1","v":44},2044,309998.05021165858,8569.4774854576372,0,0,21999.795226807135,0,0]
[null,null,null,20,{"$f":"E20+1","v":45},2045,340567.32292392332,8740.8670351667879,0,0,24145.642950905487,0,0]
[null,null,null,21,{"$f":"E21+1","v":46},2046,373453.83290999557,8915.6843758701252,0,0,26453.817256855164,0,0]
[null,null,null,22,{"$f":"E22+1","v":47},2047,408823.33454272081,9093.9980633875275,0,0,28935.923350209043,0,0]
[null,null,null,23,{"$f":"E23+1","v":48},2048,446853.25595631736,9275.8780246552778,0,0,31604.383647805171,0,0]
[null,null,null,24,{"$f":"E24+1","v":49},2049,487733.51762877783,9461.3955851483825,0,0,{"$f":"IF((G25+H25+L25)<=0, 0, (G25 + L25 + I25 +H25/2) * ($B$6 / 100))","v":34472.495079494664},0,{"$f":"IF(AND(I25+L25<0,G25>0),-(I25+L25)/G25, 0)","v":0}]
[null,null,null,25,{"$f":"E25+1","v":50},2050,{"$f":"IF( G25+H25+I25+K25+L25 <0, 0, G25+H25+I25+K25+L25)","v":531667.40829342091},9650.6234968513509,0,0,{"$f":"IF((G26+H26+L26)<=0, 0, (G26 + L26 + I26 +H26/2) * ($B$6 / 100))","v":37554.490402929288},0,{"$f":"IF(AND(I26+L26<0,G26>0),-(I26+L26)/G26, 0)","v":0}]
[null,null,null,26,{"$f":"E26+1","v":51},2051,{"$f":"IF( G26+H26+I26+K26+L26 <0, 0, G26+H26+I26+K26+L26)","v":578872.52219320147},9843.6359667883771,0,0,40865.603812361718,0,0]
[null,null,null,27,{"$f":"E27+1","v":52},2052,629581.76197235158,10040.508686124145,0,0,44422.141142078988,0,0]
[null,null,null,28,{"$f":"E28+1","v":53},2053,684044.41180055472,10241.318859846628,0,0,48241.554986133495,0,0]
[null,null,null,29,{"$f":"E29+1","v":54},2054,742527.28564653487,10446.145237043562,0,0,52342.525078553997,0,0,null,"Anleitung & Erklärungen\n\nBenutzung\nIn die hellgrünen Zellen kannst du deine individuellen Daten eintragen. Die Tabelle und Charts passen sich automatisch an.\n\n- Unter \"Vermögen vererben in €\" kannst du den Betrag definieren, den du vererben möchtest. Hier muss mindestens 1€ eingetragen werden.\n\n- In der Spalte L \"Sondereinlagen/-entnahmen\" kannst du individuelle Beträge eingeben. Beispielsweise für einen geplanten Hauskauf oder Verkauf, Erbe etc... Entnahmen mit Minus-Zeichen (-) eintragen.\n\nSimulationen\nFrüheste Rente ohne Verzehr – Berechnet das frühestmögliche Entnahmejahr, ab dem du in Rente gehen kannst, ohne dass dein Kapital je wieder schrumpft.\n\nKippunkt Rendite – Berechnet die minimale jährliche Durchschnittsrendite, bei der dein Vermögen trotz Entnahmen jedes Jahr wächst (maximale Rendite bei 19,9% p.a.)\n\nKippunkt Sparrate – Berechnet die minimale monatliche Sparrate, ab der dein Vermögen dauerhaft wächst – trotz Entnahmen.\n\nVolatilität 5/10/15/20 – Startet eine Monte-Carlo-Simulation mit der jeweiligen Volatilität (15 %, 10 %, 20 %, 5 %) auf Basis deiner Eingaben – inklusive Sondereinlagen, Inflation, Steuern, jährlicher Sparratensteigerung sowie der von dir angegebenen Lebenserwartung – und zeigt, mit welcher Wahrscheinlichkeit du dein gewünschtes Vererbungsziel am Ende deiner Lebenszeit erreichst. Hierfür wird automatisch ein weiteres Tabellenblatt erstellt. Die Simulation kann einige Sekunden dauern."]
[null,null,null,30,{"$f":"E30+1","v":55},2055,805315.95596213243,10655.068141784432,0,0,56745.04430231177,0,0]
[null,null,null,31,{"$f":"E31+1","v":56},2056,872716.06840622856,10868.16950462012,0,0,61470.510721097744,0,0]
[null,null,null,32,{"$f":"E32+1","v":57},2057,945054.74863194639,11085.53289471252,0,0,66541.826055551224,0,0]
[null,null,null,33,{"$f":"E33+1","v":58},2058,1022682.1075822101,11307.243552606773,0,0,71983.501055096,0,0]
[null,null,null,34,{"$f":"E34+1","v":59},2059,1105972.8521899129,11533.388423658909,0,0,77821.768248122025,0,0]
[null,null,null,35,{"$f":"E35+1","v":60},2060,1195328.0088616938,11764.056192132086,0,0,84084.702587043255,0,0]
[null,null,null,36,{"$f":"E36+1","v":61},2061,1291176.7676408691,11999.337315974728,0,0,90802.350540920015,0,0]
[null,null,null,37,{"$f":"E37+1","v":62},2062,1393978.4554977638,12239.324062294221,0,0,98006.868227023835,0,0]
[null,null,null,38,{"$f":"E38+1","v":63},2063,1504224.647787082,12484.110543540108,0,0,105732.66921411973,0,0]
[null,null,null,39,{"$f":"E39+1","v":64},2064,1622441.4275447419,0,-64864.864864864867,18781.676353080347,109030.35938759147,0,3.9979788338507585E-2]
[null,null,null,40,{"$f":"E40+1","v":65},2065,1666606.9220674685,0,-66486.486486486479,18781.676353080344,112008.43049066882,0,3.9893321938209818E-2]
[null,null,null,41,{"$f":"E41+1","v":66},2066,1712128.866071651,0,-68148.648648648639,18781.676353080344,115078.61521961023,0,3.9803457554576781E-2]
[null,null,null,42,{"$f":"E42+1","v":67},2067,1759058.8326426125,0,-69852.364864864852,18781.676353080347,118244.45274444242,0,3.9710078803860412E-2]
[null,null,null,43,{"$f":"E43+1","v":68},2068,1807450.9205221902,0,-71598.673986486479,18781.676353080347,121509.65725749935,0,3.9613066763550586E-2]
[null,null,null,44,{"$f":"E44+1","v":69},2069,1857361.9037932032,0,-73388.640836148625,18781.676353080344,124878.12840699391,0,3.9512300045710234E-2]
[null,null,null,45,{"$f":"E45+1","v":70},2070,1908851.3913640485,0,-75223.356857052335,18781.676353080344,128353.96241548982,0,3.9407654884699217E-2]
[null,null,null,46,{"$f":"E46+1","v":71},2071,1961981.996922486,0,-77103.940778478645,18781.676353080344,131941.46393008059,0,3.9299005240324265E-2]
[null,null,null,47,{"$f":"E47+1","v":72},2072,2016819.5200740879,0,-79031.539297940617,18781.676353080351,135645.15865433039,0,3.918622291747622E-2]
[null,null,null,48,{"$f":"E48+1","v":73},2073,2073433.1394304775,0,-81007.327780389111,18781.67635308034,139469.80681550628,0,3.9069177703333076E-2]
[null,null,null,49,{"$f":"E49+1","v":74},2074,2131895.6184655949,0,-83032.510974898847,18781.676353080344,143420.41752434883,0,3.8947737523219103E-2]
[null,null,null,50,{"$f":"E50+1","v":75},2075,2192283.525015045,0,-85108.323749271309,18781.676353080347,147502.26408860425,0,3.8821768616213649E-2]
[null,null,null,51,{"$f":"E51+1","v":76},2076,2254677.4653543779,0,-87236.031843003089,18781.676353080344,151720.90034579634,0,3.8691135731598672E-2]
[null,null,null,52,{"$f":"E52+1","v":77},2077,2319162.3338571712,0,-89416.932639078164,18781.67635308034,156082.17808526661,0,3.8555702347218709E-2]
[null,null,null,53,{"$f":"E53+1","v":78},2078,2385827.5793033596,0,-91652.3559550551,18781.67635308034,160592.26563438145,0,3.8415330910801515E-2]
[null,null,null,54,{"$f":"E54+1","v":79},2079,2454767.4889826858,0,-93943.664853931492,18781.676353080344,165257.66768901292,0,3.8269883105248384E-2]
[null,null,null,55,{"$f":"E55+1","v":80},2080,2526081.4918177673,0,-96292.256475279777,18781.676353080347,170085.24647397426,0,3.811922013885146E-2]
[null,null,null,56,{"$f":"E56+1","v":81},2081,2599874.4818164618,0,-98699.562887161752,18781.676353080344,175082.24432505111,0,3.7963203061327423E-2]
[null,null,null,57,{"$f":"E57+1","v":82},2082,2676257.1632543509,0,-101167.05195934081,18781.676353080347,180256.30779065081,0,3.7801693106472939E-2]
[null,null,null,58,{"$f":"E58+1","v":83},2083,2755346.4190856609,0,-103696.22825832432,18781.676353080344,185615.5133579137,0,3.7634552062145082E-2]
[null,null,null,59,{"$f":"E59+1","v":84},2084,2837265.7041852502,0,-106288.63396478242,18781.676353080347,191168.39491543287,0,3.746164266814915E-2]
[null,null,null,60,{"$f":"E60+1","v":85},2085,2922145.4651359003,0,-108945.84981390196,18781.676353080344,196923.97307254004,0,3.728282904247384E-2]
[null,null,null,61,{"$f":"E61+1","v":86},2086,3010123.5883945385,0,-111669.4960592495,18781.676353080344,202891.78646347037,0,3.7097977136151039E-2]
[null,null,null,62,{"$f":"E62+1","v":87},2087,3101345.8787987591,0,-114461.23346073076,18781.676353080344,209081.92517366211,0,3.6906955216831509E-2]
[null,null,null,63,{"$f":"E63+1","v":88},2088,3195966.5705116903,0,-117322.76429724901,18781.676353080347,215505.06643501105,0,3.67096343809582E-2]
[null,null,null,64,{"$f":"E64+1","v":89},2089,3294148.8726494526,0,-120255.83340468022,18781.676353080336,222172.51274713423,0,3.6505889094186443E-2]
[null,null,null,65,{"$f":"E65+1","v":90},2090,3396065.5519919065,0,-123262.22923979722,18781.67635308034,229096.23259264781,0,3.629559775944248E-2]
[null,null,null,66,{"$f":"E66+1","v":91},2091,3501899.5553447572,0,-126343.78497079214,18781.676353080344,236288.90392617774,0,3.6078643311730788E-2]
[null,null,null,67,{"$f":"E67+1","v":92},2092,3611844.674300143,0,-129502.37959506194,18781.676353080344,243763.96062935586,0,3.5854913838495907E-2]
[null,null,null,68,{"$f":"E68+1","v":93},2093,3726106.2553344369,0,-132739.93908493849,18781.676353080344,251535.64213746504,0,3.5624303224016461E-2]
[null,null,null,69,{"$f":"E69+1","v":94},2094,3844901.9583869632,0,-136058.43756206194,18781.676353080344,259619.04645774327,0,3.5386711815960585E-2]
[null,null,null,70,{"$f":"E70+1","v":95},2095,3968462.5672826446,0,-139459.89850111352,18781.676353080351,268030.18681470735,0,3.5142047111863514E-2]
[null,null,null,71,{"$f":"E71+1","v":96},2096,4097032.8555962383,0,-142946.39596364132,18781.676353080344,276786.05217428197,0,3.4890224462903026E-2]
[null,null,null,72,{"$f":"E72+1","v":97},2097,4230872.5118068792,0,-146520.05586273235,18781.676353080344,285904.67191609048,0,3.463116779194985E-2]
[null,null,null,73,{"$f":"E73+1","v":98},2098,4370257.1278602378,0,-150183.05725930067,18781.676353080347,295405.1849420658,0,3.4364810322461095E-2]
[null,null,null,74,{"$f":"E74+1","v":99},2099,4515479.2555430029,0,-153937.63369078314,18781.676353080347,305307.91352965561,0,3.4091095314371357E-2]
[null,null,null,75,{"$f":"E75+1","v":100},2100,4666849.5353818759,0,-157786.07453305274,18781.676353080347,315634.44225941785,0,3.3809976802721478E-2]
[null,null,null,76,{"$f":"E76+1","v":101},2101,4824697.903108241,0,-161730.72639637903,18781.676353080344,326407.70236983057,0,3.3521420334356351E-2]
[null,null,null,77,{"$f":"E77+1","v":102},2102,4989374.8790816925,0,-165773.99455628847,18781.67635308034,337652.06191677856,0,3.3225403697627068E-2]
[null,null,null,78,{"$f":"E78+1","v":103},2103,5161252.9464421831,0,-169918.3444201957,18781.676353080347,349393.4221415394,0,3.2921917639654893E-2]
[null,null,null,79,{"$f":"E79+1","v":104},2104,5340728.0241635274,0,-174166.30303070057,18781.676353080344,361659.32047929813,0,3.2610966565364233E-2]
[null,null,null,80,{"$f":"E80+1","v":105},2105,5528221.041612125,0,-178520.46060646808,18781.676353080344,374479.04067039624,0,3.2292569212176152E-2]
[null,null,null,81,{"$f":"E81+1","v":106},2106,5724179.6216760529,0,-182983.47212162978,18781.67635308034,387883.7304688099,0,3.1966759293981031E-2]
[null,null,null,82,{"$f":"E82+1","v":107},2107,5929079.8800232327,0,-187558.05892467053,18781.676353080344,401906.52747689962,0,3.1633586107788381E-2]
[null,null,null,83,{"$f":"E83+1","v":108},2108,6143428.3485754617,0,-192247.01039778726,18781.676353080344,416582.69367243751,0,3.1293115096290743E-2]
[null,null,null,84,{"$f":"E84+1","v":109},2109,6367764.0318501117,0,-197053.18565773196,18781.676353080344,431949.75923346687,0,3.0945428359486406E-2]
[null,null,null,85,{"$f":"E85+1","v":110},2110,6602660.6054258468,0,-201979.5152991752,18781.67635308034,448047.67630886735,0,3.0590625108489623E-2]
[null,null,null,86,{"$f":"E86+1","v":111},2111,6848728.7664355393,0,-207029.00318165464,18781.676353080347,464918.98342777224,0,3.0228822054724776E-2]
[null,null,null,87,{"$f":"E87+1","v":112},2112,7106618.7466816567,0,-212204.72826119597,18781.676353080344,482608.98128943256,0,2.9860153727858583E-2]
[null,null,null,88,{"$f":"E88+1","v":113},2113,7377022.999709893,0,-217509.84646772585,18781.676353080344,501165.92072695203,0,2.948477271607796E-2]
[null,null,null,89,{"$f":"E89+1","v":114},2114,7660679.0739691192,0,-222947.592629419,18781.676353080344,520641.20369377942,0,2.910284982267327E-2]
[null,null,null,90,{"$f":"E90+1","v":115},2115,7958372.6850334797,0,-228521.2824451545,18781.676353080351,541089.59818118322,0,2.8714574133341577E-2]
[null,null,null,91,{"$f":"E91+1","v":116},2116,8270941.000769509,0,-234234.31450628332,18781.676353080344,562569.46803842625,0,2.8320152989181124E-2]
[null,null,null,92,{"$f":"E92+1","v":117},2117,8599276.1543016527,0,-240090.17236894037,18781.676353080344,585143.01873529027,0,2.7919811861006352E-2]
[null,null,null,93,{"$f":"E93+1","v":118},2118,8944329.0006680023,0,-246092.42667816387,18781.676353080347,608876.56017928908,0,2.7513794121368364E-2]
[null,null,null,94,{"$f":"E94+1","v":119},2119,9307113.1341691278,0,-252244.73734511796,18781.676353080344,633840.78777768114,0,2.7102360711513642E-2]
[null,null,null,95,{"$f":"E95+1","v":120},2120,9688709.1846016906,0,-258550.85577874593,18781.676353080347,660111.08301760652,0,2.6685789701445677E-2]