需要多少钱才能退休 - 中国
Mar 16, 2025·
·
2 min read
Haihao Sun
一个人活到老的版本
| 类别 | 月支出（元） | 月支出（美元） | 年支出（元） | 年支出（美元） |
|---|---|---|---|---|
| 住房（住在父母家，无需费用） | 0 | 0 | 0 | 0 |
| 饮食 | 2,700 | 375 | 32,400 | 4,500 |
| 交通 | ||||
| - 车险 | 250 | 35 | 3,000 | 417 |
| - 油费 | 250 | 35 | 3,000 | 417 |
| - 保养 | 100 | 14 | 1,200 | 167 |
| 交通合计 | 600 | 83 | 7,200 | 1,000 |
| 医疗 | ||||
| - 保险 | 1,500 | 208 | 18,000 | 2,500 |
| 医疗合计 | 1,500 | 208 | 18,000 | 2,500 |
| 娱乐 | 500 | 69 | 6,000 | 833 |
| 账单 | ||||
| - 话费 | 50 | 7 | 600 | 83 |
| - 网费 | 50 | 7 | 600 | 83 |
| - 衣服 | 300 | 42 | 3,600 | 500 |
| 账单合计 | 400 | 56 | 4,800 | 667 |
| 总支出 | 5,700 | 792 | 68,400 | 9,500 |
| FIRE 目标（4%提取率，25 倍年支出） | 1,710,000 | 237,500 | ||
| FIRE 目标（3%提取率，33 倍年支出） | 2,257,200 | 313,500 | ||
| FIRE 目标（2%提取率，50 倍年支出） | 3,420,000 | 475,000 |
两个人结婚版本
| Category | Cost Estimate (RMB) | Cost Estimate (USD) |
|---|---|---|
| Marriage Costs | 200,000 | 27,778 |
| - Venue & Catering | 80,000 - 120,000 | 11,111 - 16,667 |
| - Wedding Dress & Suit | 10,000 - 30,000 | 1,389 - 4,167 |
| - Photography & Videography | 5,000 - 20,000 | 694 - 2,778 |
| - Wedding Rings & Jewelry | 20,000 - 50,000 | 2,778 - 6,944 |
| - Decorations & Planning | 10,000 - 30,000 | 1,389 - 4,167 |
| - Honeymoon | 30,000 - 50,000 | 4,167 - 6,944 |
| Raising a Child (0-22 years) | 1,700,000 | 236,111 |
| - Birth & Medical Costs (with insurance) | 10,000 - 30,000 | 1,389 - 4,167 |
| - Infant & Toddler (0-3 years) | 90,000 | 12,500 |
| - Preschool (3-6 years) | 108,000 | 15,000 |
| - School Age (6-12 years) | 172,800 | 24,000 |
| - Teenage Years (12-18 years) | 226,800 | 31,500 |
| - University (18-22 years) | 105,600 | 14,667 |
| Annual Additional Cost for Child | 77,273 | 10,729 |
| Extra FIRE Funds for Raising a Child (50x Annual Cost) | 3,864,000 | 536,667 |
| Base FIRE Target (2% Rule - 50x Annual Expenses) | 3,420,000 | 475,000 |
| Marriage + Raising a Child Total Cost | 4,064,000 | 564,444 |
| Final FIRE Target (Including Marriage & Child, 2% Rule) | 7,484,000 | 1,039,444 |
| Category | Cost Estimate (RMB) | Cost Estimate (USD) |
|---|---|---|
| Marriage Costs | 200,000 | 27,778 |
| Raising a Child (0-22 years) | 1,700,000 | 236,111 |
| Extra FIRE Funds for Raising a Child (50x Annual Cost) | 3,420,000 | 475,000 |
| Base FIRE Target (2% Rule - 50x Annual Expenses, Doubled for Two People) | 6,840,000 | 950,000 |
| Marriage + Raising a Child Total Cost | 1,900,000 | 263,889 |
| Final FIRE Target (Including Marriage & Child, 2% Rule, Doubled Base) | 8,740,000 | 1,213,889 |
