セミリタイア(FIRE)を目指すための、退職金の把握

お金術

前回の、セミリタイア(FIRE)を目指すための、今後の給与水準の把握で確認した、給与の見通しをもとに、退職金を計算していきます。

退職金の計算

退職金は、次の式により計算しています。

退職手当=①基本額+②調整額

①基本額=退職時の給料月額×支給割合×調整率(83.7%)

※支給割合の最大は57月、支給割合=勤務年数と退職事由から算定

②調整額=調整月額×月数

※調整月額=職位又は級で定められた額

※月数=調整月額の大きい方から数えて最大60月分支給

今後の退職金を計算

給与見通し基本額調整額
キャリア自己都合
(支給割合)
①基本額(定年)②基本額(自己都合)調整額区分単価③調整額合計(自己都合)
201732247,9005.022247,900.001,244,953.80第7号区分27,1001,366,8002,611,754
253,5005.022253,500.001,273,077.00第7号区分27,1001,431,6002,704,677
201833253,5005.6916253,500.001,442,820.60第7号区分27,1001,496,4002,939,221
260,0005.6916260,000.001,479,816.00第7号区分27,1001,561,2003,041,016
201934260,0006.3612260,000.001,653,912.00第7号区分27,1001,626,0003,279,912
266,5006.3612266,500.001,695,259.80第7号区分27,1001,626,0003,321,260
202035266,5007.0308266,500.001,873,708.20第7号区分27,1001,626,0003,499,708
273,6007.0308273,600.001,923,626.88第7号区分27,1001,626,0003,549,627
202136273,6007.7004273,600.002,106,829.44第7号区分27,1001,626,0003,732,829
280,3007.7004280,300.002,158,422.12第7号区分27,1001,626,0003,784,422
202237280,3008.37280,300.002,346,111.00第7号区分27,1001,626,0003,972,111
287,4008.37287,400.002,405,538.00第7号区分27,1001,626,0004,031,538
202338300,5009.1233300,500.002,741,551.65第6号区分32,5001,690,8004,432,352
308,6009.1233308,600.002,815,450.38第6号区分32,5001,755,6004,571,050
202439308,6009.8766308,600.003,047,918.76第6号区分32,5001,820,4004,868,319
316,4009.8766316,400.003,124,956.24第6号区分32,5001,885,2005,010,156
202540316,40010.6299316,400.003,363,300.36第6号区分32,5001,950,0005,313,300
324,30010.6299324,300.003,447,276.57第6号区分32,5001,950,0005,397,277
202641337,20011.3832337,200.003,838,415.04第5号区分43,3502,080,2005,918,615
344,30011.3832344,300.003,919,235.76第5号区分43,3502,210,4006,129,636
202742344,30019.6695344,300.006,772,208.85第5号区分43,3502,340,6009,112,809
351,50019.6695351,500.006,913,829.25第5号区分43,3502,470,8009,384,629
202843351,50021.3435351,500.007,502,240.25第5号区分43,3502,601,00010,103,240
358,70021.3435358,700.007,655,913.45第5号区分43,3502,601,00010,256,913
202944358,70023.0175358,700.008,256,377.25第5号区分43,3502,601,00010,857,377
364,20023.0175364,200.008,382,973.50第5号区分43,3502,601,00010,983,974
203045364,20024.6915364,200.008,992,644.30第5号区分43,3502,601,00011,593,644
368,60024.6915368,600.009,101,286.90第5号区分43,3502,601,00011,702,287
203146368,60026.3655368,600.009,718,323.30第5号区分43,3502,601,00012,319,323
372,10026.3655372,100.009,810,602.55第5号区分43,3502,601,00012,411,603
203247372,10028.0395372,100.0010,433,497.95第5号区分43,3502,601,00013,034,498
375,40028.0395375,400.0010,526,028.30第5号区分43,3502,601,00013,127,028
203348375,40029.3787375,400.0011,028,763.98第5号区分43,3502,601,00013,629,764
378,20029.3787378,200.0011,111,024.34第5号区分43,3502,601,00013,712,024
203449378,20030.7179378,200.0011,617,509.78第5号区分43,3502,601,00014,218,510
380,60030.7179380,600.0011,691,232.74第5号区分43,3502,601,00014,292,233
203550380,60032.0571380,600.0012,200,932.26第5号区分43,3502,601,00014,801,932
381,00032.0571381,000.0012,213,755.10第5号区分43,3502,601,00014,814,755
203651398,90033.3963398,900.0013,321,784.07第4号区分54,1502,730,60016,052,384
401,00033.3963401,000.0013,391,916.30第4号区分54,1502,860,20016,252,116
203752401,00034.7355401,000.0013,928,935.50第4号区分54,1502,989,80016,918,736
402,30034.7355402,300.0013,974,091.65第4号区分54,1503,119,40017,093,492
203853402,30035.7399402,300.0014,378,161.77第4号区分54,1503,249,00017,627,162
403,50035.7399403,500.0014,421,049.65第4号区分54,1503,249,00017,670,050
203954403,50036.7443403,500.0014,826,325.05第4号区分54,1503,249,00018,075,325
404,70036.7443404,700.0014,870,418.21第4号区分54,1503,249,00018,119,418
204055404,70037.7487404,700.0015,276,898.89第4号区分54,1503,249,00018,525,899
405,90037.7487405,900.0015,322,197.33第4号区分54,1503,249,00018,571,197
204156405,90038.7531405,900.0015,729,883.29第4号区分54,1503,249,00018,978,883
407,00038.7531407,000.0015,772,511.70第4号区分54,1503,249,00019,021,512
204257407,00039.7575407,000.0016,181,302.50第4号区分54,1503,249,00019,430,303
408,00039.7575408,000.0016,221,060.00第4号区分54,1503,249,00019,470,060
204358426,10040.7619426,100.0017,368,645.59第2号区分65,0003,379,20020,747,846
431,10040.7619431,100.0017,572,455.09第2号区分65,0003,509,40021,081,855
204459431,10041.7663431,100.0018,005,451.93第2号区分65,0003,639,60021,645,052
434,70041.7663434,700.0018,155,810.61第2号区分65,0003,769,80021,925,611
204560434,70042.7707434,700.0018,592,423.29第2号区分65,0003,900,00022,492,423
437,40042.7707437,400.0018,707,904.18第2号区分65,0003,900,00022,607,904
退職金計算

まとめ

実際に計算してみると、かなり金額が高い印象です。例えば、2022年3月いっぱいで自己都合退職をすると、3,972,111円となります。漠然と想像していた金額とはかなり差があるので、やはり計算して把握することは大事だと改めて感じました。

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