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[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,"Basisrente für Selbstständige"]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,"Die Basisrente ist für Selbstständige die einzige geförderte Form der Altersvorsorge."]
[]
[]
[null,"Zusätzlich kann die Basisrente mit Zuzahlungen flexibel bespart werden. Dies ist gerade für Selbstständige mit schwankenden Jahreseinkünften sehr interessant."]
[]
[]
[]
[]
[null,"Folgende Berechnungsmöglichkeiten stehen Ihnen zur Verfügung."]
[]
[]
[null,"1. Berechnung der Steuerersparnis durch Zuzahlung"]
[]
[]
[]
[null,"2. Berechnung eines Zuzahlungsbetrags zur Vermeidung von Nachzahlung"]
[]
[]
[]
[null,"3. Rendite durch Förderung ohne Berücksichtigung von Überschüssen"]
[]
[]
[]
[]
[]
[]
[null,"Geben Sie für den Ausdruck hier den Namen des Interessenten ein. Berechnung erfolgt für:"]
[]
[null,"Herrn",null,null,null,null,null,"Martin",null,null,null,null,null,null,null,null,null,null,"Muster"]
[null,"Anrede",null,null,null,null,null,"Vorname",null,null,null,null,null,null,null,null,null,null,"Nachname"]

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[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,"Basisrente für Selbstständige -"]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,"flexibel und als einzige Form der Altersvorsorge steuerlich gefördert"]
[]
[]
[null,"Mit flexiblen Zuzahlungen sparen Sie Steuern und sorgen gleichzeitig für Ihr Alter vor."]
[]
[]
[]
[]
[null,"Berechnung Ihrer Steuerersparnis durch Ihre Zuzahlung"]
[]
[]
[null,"Zuzahlung zur Basisrente",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,10000]
[]
[null,"Berechnung erfolgt für das Jahr",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"YEAR(TODAY())","v":2019}]
[]
[null,"Voraussichtliches zu versteuerndes Einkommen",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,100000]
[]
[null,"Kirchensteuersatz",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0.09]
[]
[null,"Anzuwendende Steuertabelle",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Grundtabelle"]
[]
[null,"Ihre voraussichtliche Steuerersparnis beträgt*",null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(W17>22172,W25=\"Grundtabelle\"),\"Maximalbeitrag von 22.766 EUR überschritten.\",(VLOOKUP(Z19,Steuerber1!$K$3:$Q$11,7,FALSE)))","v":4231.92}]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,"* Berechnung auf Basis Ihrer Angaben und des am 1.1.2019 gültigen Steuertarifs."]

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[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,"Basisrente für Selbstständige -"]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,"flexibel und als einzige Form der Altersvorsorge steuerlich gefördert"]
[]
[]
[null,"Mit flexiblen Zuzahlungen sparen Sie Steuern und sorgen gleichzeitig für Ihr Alter vor."]
[]
[]
[]
[]
[null,"Berechnung Ihrer Zuzahlung zur Vermeidung einer Steuernachzahlung"]
[]
[]
[null,"Zu versteuerndes Einkommen im Vorjahr",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,70000]
[]
[null,"Voraussichtlicher Mehrgewinn in diesem Jahr",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,10000]
[]
[null,"Berechnung erfolgt für das Jahr",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"YEAR(TODAY())","v":2019}]
[]
[null,"Kirchensteuersatz",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0.09]
[]
[null,"Anzuwendende Steuertabelle",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Grundtabelle"]
[]
[null,"Ihre voraussichtliche Nachzahlung beträgt",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"VLOOKUP(Z21,Steuerber2!$K$3:$Q$12,7,FALSE)","v":4809}]
[]
[null,"Im laufenden Jahr bereits geleistete Beiträge",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[]
[null,"Noch mögliche Zuzahlung",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(W25=\"Grundtabelle\",MIN(W19/VLOOKUP(Z21,Steuerber3!$K$3:$M$12,3,FALSE),22766-W29),MIN(W19/VLOOKUP(Z21,Steuerber3!$K$3:$M$12,3,FALSE),45532-W29))","v":11363.636363636364}]
[]
[null,"Dadurch zu vermeidende Nachzahlung",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"VLOOKUP(Z21,Steuerber22!$K$3:$Q$11,7,FALSE)","v":4809}]
[]
[]
[]
[]
[]
[null,"* Berechnung auf Basis Ihrer Angaben und des am 1.1.2019 gültigen Steuertarifs."]

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[null,null,null,null,null,null,null,"Eingang"]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,"Basisrente für Selbstständige -"]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,"Die Basisrente ist für Selbstständige die einzige geförderte Form der Altersvorsorge."]
[]
[]
[null,{"$f":"CONCATENATE(\"Im Jahr \",$Z$21,\" wirken sich bereits \",VLOOKUP($Z$21,Steuerber3!$K$3:$M$12,3,FALSE)*100,\"% der Beiträge, also bis zu \",ROUNDDOWN(24305*VLOOKUP($Z$21,Steuerber3!$K$3:$M$12,3,FALSE),0),\" EUR bzw. \",ROUNDDOWN(48608*VLOOKUP($Z$21,Steuerber3!$K$3:$M$12,3,FALSE),0),\" EUR, steuermindernd aus. Bis 2025 werden daraus noch 100%.\")","v":"Im Jahr 2019 wirken sich bereits 88% der Beiträge, also bis zu 21388 EUR bzw. 42775 EUR, steuermindernd aus. Bis 2025 werden daraus noch 100%."}]
[]
[]
[]
[null,"Berechnen Sie welchen Zins eine ungeförderte Anlage erzielen müsste um bei gleichem Nettoaufwand die Garantie der Basisrente zu erbringen."]
[]
[]
[]
[null,"Jahresbeitrag zur Basisrente ohne Zusatzversicherungen",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1200]
[]
[null,"Laufzeit in Jahren",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,32]
[]
[null,"Berechnung erfolgt für das Jahr ",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"YEAR(TODAY())","v":2019}]
[]
[null,"Summe der Beiträge ohne Zusatzversicherungen  ",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"x",0.8,"Garantie",null,null,null,{"$f":"IF(AND(W17>0,Z19>0),W17*Z19,\"\")*R23","v":30720}]
[]
[null,"Voraussichtliches zu versteuerndes Einkommen",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,70000]
[]
[null,"Kirchensteuersatz",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0.09]
[]
[null,"Anzuwendende Steuertabelle",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Grundtabelle"]
[]
[]
[]
[null,"Die Steuerersparnis über die Laufzeit beträgt",null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(W17>22172,W29=\"Grundtabelle\"),\"Maximalbeitrag von 22.172 EUR überschritten.\",IF(AND($W$17>0,$Z$19>0,$W$25>0,$Z$27<>\"\",Rend!$W$29<>\"\",Steuerber3!$C$30=10000),Steuerber3!$C$18,\"\"))","v":18226.110000000004}]
[]
[null,"Der Nettoaufwand über die Laufzeit beträgt",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(Q33=\"Maximalbeitrag von 22.172 EUR überschritten.\",\" \",IF(AND($W$17>0,$Z$19>0,$W$25>0,$Z$27<>\"\",Rend!$W$29<>\"\",Steuerber3!$C$30=10000),Steuerber3!$C$20,\"\"))","v":20173.889999999989}]
[]
[null,"Der Zinssatz, den eine ungeförderte Anlage erzielen müsste, beträgt",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(Q33=\"Maximalbeitrag von 22.172 EUR überschritten.\",\" \",IF(AND($W$17>0,$Z$19>0,$W$25>0,$Z$27<>\"\",Rend!$W$29<>\"\",Steuerber3!$C$30=10000),ROUND(Steuerber3!$C$22,4),\"\"))","v":2.41E-2}]
[]
[null,"* Berechnung auf Basis Ihrer Angaben und des am 1.1.2019 gültigen Steuertarifs."]

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[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Basisrente für Selbstständige –"]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"'St Ersp'!N6","v":"flexibel und als einzige Form der Altersvorsorge steuerlich gefördert"}]
[]
[]
[null,null,{"$f":"Rend!B9","v":"Im Jahr 2019 wirken sich bereits 88% der Beiträge, also bis zu 21388 EUR bzw. 42775 EUR, steuermindernd aus. Bis 2025 werden daraus noch 100%."}]
[]
[]
[]
[null,null,{"$f":"'St Ersp'!B9","v":"Mit flexiblen Zuzahlungen sparen Sie Steuern und sorgen gleichzeitig für Ihr Alter vor."}]
[]
[]
[null,null,{"$f":"CONCATENATE(\"Berechnung für \",Startseite!B34,\" \",Startseite!H34,\" \",Startseite!S34)","v":"Berechnung für Herrn Martin Muster"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"TODAY()","v":"2019-12-03"}]
[]
[null,null,{"$f":"'St Ersp'!B19","v":"Berechnung erfolgt für das Jahr"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"'St Ersp'!Z19","v":2019}]
[]
[null,null,"Basisrente"]
[]
[null,null,{"$f":"'St Ersp'!B17","v":"Zuzahlung zur Basisrente"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"'St Ersp'!W17","v":10000},null,null,null,"EUR"]
[]
[null,null,{"$f":"'St Ersp'!B21","v":"Voraussichtliches zu versteuerndes Einkommen"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"'St Ersp'!W21","v":100000},null,null,null,"EUR"]
[]
[null,null,{"$f":"'St Ersp'!B23","v":"Kirchensteuersatz"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"'St Ersp'!Z23","v":0.09}]
[]
[null,null,{"$f":"'St Ersp'!B25","v":"Anzuwendende Steuertabelle"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"'St Ersp'!W25","v":"Grundtabelle"}]
[]
[null,null,"zu versteuerndes Einkommen nach Zuzahlung",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"VLOOKUP(AB17,Steuerber1!$K$3:$O$11,5,FALSE)","v":91200},null,null,null,"EUR"]
[]
[null,null,{"$f":"'St Ersp'!B27","v":"Ihre voraussichtliche Steuerersparnis beträgt*"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"'St Ersp'!Q27","v":4231.92},null,null,"EUR"]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,null,"Um die Option der flexiblen Zuzahlung nutzen zu können benötigen Sie einen Grundvertrag mit überschaubarer laufender Beitragszahlung."]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Jahr","Zuzahlung","Steuerlich wirksam","Steuerersparnis","Nettoaufwand"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"AB17","v":2019},{"$f":"Z21","v":10000},{"$f":"VLOOKUP(AB17,Steuerber1!$K$3:$M$11,3,FALSE)*AP45","v":8800},{"$f":"AA31","v":4231.92},{"$f":"AP45-AR45","v":5768.08}]
[null,"*","Berechnung auf Basis Ihrer Angaben und des am 1.1.2019 gültigen Steuertarifs inkl. Solidaritätszuschlag und ggfs. Kirchensteuer ohne Berücksichtigung von Kindern und Kappungssätzen."]
[]
[null,{"$f":"C15&\" Steuerersparnis \"&AA15","v":"Berechnung für Herrn Martin Muster Steuerersparnis 43802"}]

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[]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Basisrente für Selbstständige –"]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"'St Ersp'!N6","v":"flexibel und als einzige Form der Altersvorsorge steuerlich gefördert"}]
[]
[]
[null,null,{"$f":"Rend!B9","v":"Im Jahr 2019 wirken sich bereits 88% der Beiträge, also bis zu 21388 EUR bzw. 42775 EUR, steuermindernd aus. Bis 2025 werden daraus noch 100%."}]
[]
[]
[]
[null,null,{"$f":"'St Ersp'!B9&\" Mit Zuzahlungen vermeiden Sie Steuernachzahlungen für das laufende Jahr und erhöhte Vorauszahlungen im nächsten Jahr.\"","v":"Mit flexiblen Zuzahlungen sparen Sie Steuern und sorgen gleichzeitig für Ihr Alter vor. Mit Zuzahlungen vermeiden Sie Steuernachzahlungen für das laufende Jahr und erhöhte Vorauszahlungen im nächsten Jahr."}]
[]
[]
[]
[null,null,{"$f":"CONCATENATE(\"Berechnung für \",Startseite!B34,\" \",Startseite!H34,\" \",Startseite!S34)","v":"Berechnung für Herrn Martin Muster"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"TODAY()","v":"2019-12-03"}]
[]
[null,null,{"$f":"'EB ZZ'!B21","v":"Berechnung erfolgt für das Jahr"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"'EB ZZ'!Z21","v":2019}]
[]
[null,null,"Basisrente"]
[]
[null,null,{"$f":"'EB ZZ'!B17","v":"Zu versteuerndes Einkommen im Vorjahr"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"'EB ZZ'!W17","v":70000},null,null,null,"EUR"]
[]
[null,null,{"$f":"'EB ZZ'!B19","v":"Voraussichtlicher Mehrgewinn in diesem Jahr"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"'EB ZZ'!W19","v":10000},null,null,null,"EUR"]
[]
[null,null,{"$f":"'EB ZZ'!B23","v":"Kirchensteuersatz"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"'EB ZZ'!Z23","v":0.09}]
[]
[null,null,{"$f":"'EB ZZ'!B25","v":"Anzuwendende Steuertabelle"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"'EB ZZ'!W25","v":"Grundtabelle"}]
[]
[null,null,{"$f":"'EB ZZ'!B27","v":"Ihre voraussichtliche Nachzahlung beträgt"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"'EB ZZ'!W27","v":4809},null,null,null,"EUR"]
[]
[null,null,{"$f":"'EB ZZ'!B29","v":"Im laufenden Jahr bereits geleistete Beiträge"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"'EB ZZ'!W29","v":0},null,null,null,"EUR"]
[]
[null,null,{"$f":"'EB ZZ'!B31","v":"Noch mögliche Zuzahlung"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"'EB ZZ'!W31","v":11363.636363636364},null,null,null,"EUR"]
[]
[null,null,{"$f":"'EB ZZ'!B33","v":"Dadurch zu vermeidende Nachzahlung"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"'EB ZZ'!W33","v":4809},null,null,null,"EUR"]
[]
[]
[]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Mehrgewinn",{"$f":"Z24","v":10000}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"voraussichtliche Nachzahlung",{"$f":"Z30","v":4809}]
[null,null,"Um die Option der flexiblen Zuzahlung nutzen zu können benötigen Sie einen Grundvertrag mit überschaubarer laufender Beitragszahlung.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"noch mögliche Zuzahlung",{"$f":"Z34","v":11363.636363636364}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"vermeidbare Nachzahlung",{"$f":"Z36","v":4809}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Jahr ",{"$f":"AB18","v":2019}]
[null,"*","Berechnung auf Basis Ihrer Angaben und des am 1.1.2019 gültigen Steuertarifs inkl. Solidaritätszuschlag und ggfs. Kirchensteuer ohne Berücksichtigung von Kindern und Kappungssätzen."]
[]
[]
[null,{"$f":"C16&\" Nachzahlungsvermeidung \"&AA16","v":"Berechnung für Herrn Martin Muster Nachzahlungsvermeidung 43802"}]

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[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Basisrente für Selbstständige –"]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Rend!N6","v":"Die Basisrente ist für Selbstständige die einzige geförderte Form der Altersvorsorge."}]
[]
[]
[null,null,{"$f":"Rend!B9","v":"Im Jahr 2019 wirken sich bereits 88% der Beiträge, also bis zu 21388 EUR bzw. 42775 EUR, steuermindernd aus. Bis 2025 werden daraus noch 100%."}]
[]
[null,null,"Deshalb erzielen Selbstständige mit der Basisrente schon ohne Berücksichtigung einer Verzinsung/Wertentwicklung eine ansehnliche Rendite."]
[]
[]
[]
[]
[null,null,{"$f":"CONCATENATE(\"Berechnung für \",Startseite!B34,\" \",Startseite!H34,\" \",Startseite!S34)","v":"Berechnung für Herrn Martin Muster"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"TODAY()","v":"2019-12-03"}]
[]
[null,null,"Basisrente"]
[]
[null,null,"Bei jährlichen Beiträgen (ohne Beiträge zu Zusatzversicherungen) von",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Rend!W17","v":1200},null,null,null,"EUR"]
[]
[null,null,"ergibt sich, ohne Berücksichtigung einer Verzinszung, bei einer Laufzeit von",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Rend!Z19","v":32},null,"Jahren"]
[]
[null,null,{"$f":"\"bei \"&TEXT(Rend!R23,\"0%\")&\" Garantie der eingezahlten Beiträge eine Leistung von\"","v":"bei 80% Garantie der eingezahlten Beiträge eine Leistung von"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Rend!W23","v":30720},null,null,null,"EUR"]
[]
[null,null,"Bei einem zu versteuernden Einkommen von",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Rend!W25","v":70000},null,null,null,"EUR"]
[]
[null,null,"einem Kirchensteuersatz von",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Rend!Z27","v":0.09}]
[]
[null,null,{"$f":"CONCATENATE(\"beträgt bei Anwendung der \",'St Ersp'!W25,\" die anfängliche Steuerersparnis\")","v":"beträgt bei Anwendung der Grundtabelle die anfängliche Steuerersparnis"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"ROUND(Steuerber3!Q3,0)","v":508},null,null,"EUR"]
[]
[null,null,{"$f":"CONCATENATE(\"Bei unverändertem Einkommen sind das in \",AB21,\" Jahren ca.\")","v":"Bei unverändertem Einkommen sind das in 32 Jahren ca."},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Rend!Q33","v":18226.110000000004},null,null,null,"EUR"]
[]
[null,null,"Entsprechend beträgt der Nettoaufwand für die Altersvorsorge ca.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Rend!W35","v":20173.889999999989},null,null,null,"EUR"]
[]
[null,null,"Vergleichszinssatz",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Rend!Z37","v":2.41E-2}]
[]
[null,null,{"$f":"CONCATENATE(\"Um bei gleichem Nettoaufwand mit einer ungeförderten Anlage nach \",AB21,\" Jahren ein Altersvorsorgekapital von \",Z23,\" EUR zu erreichen, müsste die Anlage eine laufende Verzinsung in Höhe von \",Rend!Z37*100,\" %* erzielen\")","v":"Um bei gleichem Nettoaufwand mit einer ungeförderten Anlage nach 32 Jahren ein Altersvorsorgekapital von 30720 EUR zu erreichen, müsste die Anlage eine laufende Verzinsung in Höhe von 2,41 %* erzielen"}]
[]
[]
[]
[]
[null,null,"Mit der Basisrente der Zurich haben Sie natürlich die Chance auf eine höhere Rendite."]
[]
[]
[]
[]
[]
[null,"*","Berechnung auf Basis Ihrer Angaben und des am 1.1.2019 gültigen Steuertarifs inkl. Solidaritätszuschlag und ggfs. Kirchensteuer ohne Berücksichtigung von Kindern und Kappungssätzen."]
[]
[]
[null,{"$f":"C15&\" Rendite Basisrente \"&AA15","v":"Berechnung für Herrn Martin Muster Rendite Basisrente 43802"}]

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[null,"zu versteuerndes Einkommen",{"$f":"'St Ersp'!W21","v":100000},null,null,null,null,null,null,"Jahr","Beitragsjahr","Beitrag","absetzbar","verm. zvE","zvE","Steuer neu\nohne SolZ","Ersparnis \nmit SolZ","Nettoaufwand","Nettoaufwand verzinst"]
[null,null,null,null,null,null,null,null,null,1,2019,{"$f":"IF(K3<$K$3+$C$10,$C$12,0)","v":10000},0.88,{"$f":"IF(K3<$K$3+$C$10,L3*M3,0)","v":8800},{"$f":"IF(K3<$K$3+$C$10,zvE-N3,0)","v":91200},{"$f":"ROUNDDOWN(IF((O3/$D$6)<(9168+1),0,IF((O3/$D$6)<(14254+1),(980.14*(((O3/$D$6)-9169)/10000)+1400)*((O3/$D$6)-9168)/10000,IF((O3/$D$6)<(55960+1),(216.16*(((O3/$D$6)-14255)/10000)+2397)*((O3/$D$6)-14255)/10000+965.58,IF((O3/$D$6)<(265326+1),(O3/$D$6)*0.42-8780.9,(O3/$D$6)*0.45-16740.68)))),0)*$D$6","v":29523},{"$f":"IF(K3<$K$3+$C$10,ROUNDDOWN(($C$32-P3)*(1.055+KiSt),2),0)","v":4231.92},{"$f":"IF(K3<$K$3+$C$10,L3-Q3,0)","v":5768.08},{"$f":"IF(K3<$K$3+$C$10,ROUNDDOWN(R3*(1+$C$22),2),0)","v":6604.41},null,"Jahr 2019"]
[null,"Kirchensteuersatz",{"$f":"'St Ersp'!Z23","v":0.09},null,null,null,null,null,null,2,2020,{"$f":"IF(K4<$K$3+$C$10,$C$12,0)","v":10000},0.9,{"$f":"IF(K4<$K$3+$C$10,L4*M4,0)","v":9000},91000,{"$f":"ROUNDDOWN(IF((O4/$D$6)<(9168+1),0,IF((O4/$D$6)<(14254+1),(980.14*(((O4/$D$6)-9169)/10000)+1400)*((O4/$D$6)-9168)/10000,IF((O4/$D$6)<(55960+1),(216.16*(((O4/$D$6)-14255)/10000)+2397)*((O4/$D$6)-14255)/10000+965.58,IF((O4/$D$6)<(265326+1),(O4/$D$6)*0.42-8780.9,(O4/$D$6)*0.45-16740.68)))),0)*$D$6","v":29439},4328.1000000000004,{"$f":"IF(K4<$K$3+$C$10,L4-Q4,0)","v":5671.9},{"$f":"IF(K4<$K$3+$C$10,ROUNDDOWN((R4+S3)*(1+$C$22),2),0)","v":14056.29},null,"bis 9.168 Euro","(Grundfreibetrag): 0"]
[null,null,null,null,null,null,null,null,null,3,2021,10000,0.92,9200,90800,29355,4424.28,5575.72,{"$f":"IF(K5<$K$3+$C$10,ROUNDDOWN((R5+S4)*(1+$C$22),2),0)","v":22478.52},null,"9.168 Euro bis 14.254 Euro:","ESt = (980.14 · Y + 1.400) · Y"]
[null,"Familienstand",null,{"$f":"IF('St Ersp'!W25=\"Grundtabelle\",1,2)","v":1},null,null,null,null,null,4,2022,10000,0.94,9400,90600,29271,4520.46,5479.54,32011.79,null,null,"Y = (zvE - 9.168) / 10.000"]
[null,null,null,null,null,null,null,null,null,5,2023,10000,0.96,9600,90400,29187,4616.6400000000003,5383.36,42817.19,null,"14.255 Euro bis 55.960 Euro:","ESt = (216.16 × Z + 2.397) × Z + 965.58"]
[null,"Basisrente",null,null,null,null,null,null,null,6,2024,10000,0.98,9800,90200,29103,4712.82,5287.18,55079.18,null,null,"Z = (zvE - 14.254) / 10.000"]
[null,null,null,null,null,null,null,null,null,7,2025,10000,1,10000,90000,29019,4809,5191,69008.95,null,"54.950 Euro bis 265.326 Euro:","ESt = 0,42 × zvE - 8780.9"]
[null,"Laufzeit",{"$f":"'St Ersp'!Z19","v":2019},null,null,null,null,null,null,8,2026,10000,0.999999999999999,9999.9999999999909,90000.000000000015,29019,4809,5191,84958.44,null,"ab 265.327 Euro:","ESt = 0,45 × zvE - 16740.68"]
[null,null,null,null,null,null,null,null,null,9,2027,10000,1,10000,90000,29019,4809,5191,103220.5]
[null,"Jahresbeitrag",{"$f":"'St Ersp'!W17","v":10000},null,null,null,null,null,null,10,2028,10000,1,10000,90000,29019,4809,5191,124130.44,null,"In §39b Absatz 2 Satz 7 zweiter Halbsatz wird die Angabe \"10440\" durch"]
[null,null,null,null,null,null,null,null,null,11,2029,10000,1,10000,90000,29019,4809,5191,148072.18,null,"die Angabe \"10635\" ersetzt."]
[null,"Beitragssumme = Garantie",{"$f":"C10*C12","v":20190000},null,null,null,null,null,null,12,2030,10000,1,10000,90000,29019,4809,5191,175485.31]
[null,null,null,null,null,null,null,null,null,13,2031,10000,1,10000,90000,29019,4809,5191,206873.16]
[null,null,null,null,null,null,null,null,null,14,2032,10000,1,10000,90000,29019,4809,5191,242812.04]
[null,null,null,null,null,null,null,null,null,15,2033,10000,1,10000,90000,29019,4809,5191,283961.82]
[null,"Steuerersparnis gesamt",{"$f":"Q47","v":209576.22},null,null,null,null,null,null,16,2034,10000,1,10000,90000,29019,4809,5191,331078.05]
[null,null,null,null,null,null,null,null,null,17,2035,10000,1,10000,90000,29019,4809,5191,385025.81]
[null,"Nettoeinzahlung gesamt",{"$f":"R47","v":230423.78},null,null,null,null,null,null,18,2036,10000,1,10000,90000,29019,4809,5191,446795.64]
[null,null,null,null,null,null,null,null,null,19,2037,10000,1,10000,90000,29019,4809,5191,517521.68]
[null,"Vergleichsverzinsung",0.14499332917077129,null,null,null,null,null,null,20,2038,10000,1,10000,90000,29019,4809,5191,598502.53]
[null,null,null,null,null,null,null,null,null,21,2039,10000,1,10000,90000,29019,4809,5191,691225.06]
[null,null,null,null,null,null,null,null,null,22,2040,10000,1,10000,90000,29019,4809,5191,797391.74]
[null,null,null,null,null,null,null,null,null,23,2041,10000,1,10000,90000,29019,4809,5191,918951.88]
[null,null,null,null,null,null,null,null,null,24,2042,10000,1,10000,90000,29019,4809,5191,1058137.43]
[null,null,null,null,null,null,null,null,null,25,2043,10000,1,10000,90000,29019,4809,5191,1217503.95]
[null,null,null,null,null,null,null,null,null,26,2044,10000,1,10000,90000,29019,4809,5191,1399977.56]
[null,null,null,null,null,null,null,null,null,27,2045,10000,1,10000,90000,29019,4809,5191,1608908.62]
[null,"Wert für Zielwertsuche",{"$f":"IF(C14>0,ROUND(C14/S47*10000,2),\"\")","v":12277.48},null,null,null,null,null,null,28,2046,10000,1,10000,90000,29019,4809,5191,1848133.29]
[null,null,null,null,null,null,null,null,null,29,2047,10000,1,10000,90000,29019,4809,5191,2122043.94]
[null,"Steuer vor Basisrente ohne SolZ",{"$f":"ROUNDDOWN(IF((C2/D6)<(9168+1),0,IF((C2/D6)<(14254+1),(980.14*(((C2/D6)-9169)/10000)+1400)*((C2/D6)-9168)/10000,IF((C2/D6)<(55960+1),(216.16*(((C2/D6)-14255)/10000)+2397)*((C2/D6)-14255)/10000+965.58,IF((C2/D6)<(265326+1),(C2/D6)*0.42-8780.9,(C2/D6)*0.45-16740.68)))),0)*D6","v":33219},null,null,null,null,null,null,30,2048,10000,1,10000,90000,29019,4809,5191,2435669.81]
[null,null,null,null,null,null,null,null,null,31,2049,10000,1,10000,90000,29019,4809,5191,2794769.34]
[null,null,null,null,null,null,null,null,null,32,2050,10000,1,10000,90000,29019,4809,5191,3205935.91]
[null,null,null,null,null,null,null,null,null,33,2051,10000,1,10000,90000,29019,4809,5191,3676718.89]
[null,null,null,null,null,null,null,null,null,34,2052,10000,1,10000,90000,29019,4809,5191,4215762.26]
[null,null,null,null,null,null,null,null,null,35,2053,10000,1,10000,90000,29019,4809,5191,4832963.32]
[null,null,null,null,null,null,null,null,null,36,2054,10000,1,10000,90000,29019,4809,5191,5539654.4199999999]
[null,null,null,null,null,null,null,null,null,37,2055,10000,1,10000,90000,29019,4809,5191,6348811.0099999998]
[null,null,null,null,null,null,null,null,null,38,2056,10000,1,10000,90000,29019,4809,5191,7275289.9100000001]
[null,null,null,null,null,null,null,null,null,39,2057,10000,1,10000,90000,29019,4809,5191,8336102.0700000003]
[null,null,null,null,null,null,null,null,null,40,2058,10000,1,10000,90000,29019,4809,5191,9550724.9199999999]
[null,null,null,null,null,null,null,null,null,41,2059,10000,1,10000,90000,29019,4809,5191,10941459.98]
[null,null,null,null,null,null,null,null,null,42,2060,10000,1,10000,90000,29019,4809,5191,12533842.34]
[null,null,null,null,null,null,null,null,null,43,2061,10000,1,10000,90000,29019,4809,5191,14357109.52]
[null,null,null,null,null,null,null,null,null,44,2062,10000,1,10000,90000,29019,4809,5191,16444738.279999999]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(Q3:Q46)","v":209576.22},{"$f":"SUM(R3:R46)","v":230423.78},{"$f":"ROUND(MAX($S$3:$S$46),0)","v":16444738}]

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[]
[null,"zu versteuerndes Einkommen",{"$f":"'EB ZZ'!W17+'EB ZZ'!W19","v":80000},null,null,null,null,null,null,null,"Beitragsjahr","Mehrgewinn","absetzbar","verm. zvE","zvE","Steuer neu\nohne SolZ","Ersparnis \nmit SolZ","Nettoaufwand","Nettoaufwand verzinst"]
[null,null,null,null,null,null,null,null,null,1,2019,{"$f":"IF(K3<$K$3+$C$10,$C$12,0)","v":10000},1,{"$f":"IF(K3<$K$3+$C$10,L3*M3,0)","v":10000},{"$f":"IF(K3<$K$3+$C$10,zvE-N3,0)","v":70000},{"$f":"ROUNDDOWN(IF((O3/$D$6)<(9168+1),0,IF((O3/$D$6)<(14254+1),(980.14*(((O3/$D$6)-9169)/10000)+1400)*((O3/$D$6)-9168)/10000,IF((O3/$D$6)<(55960+1),(216.16*(((O3/$D$6)-14255)/10000)+2397)*((O3/$D$6)-14255)/10000+965.58,IF((O3/$D$6)<(265326+1),(O3/$D$6)*0.42-8780.9,(O3/$D$6)*0.45-16740.68)))),0)*$D$6","v":20619},{"$f":"IF(K3<$K$3+$C$10,ROUNDDOWN(($C$32-P3)*(1.055+KiSt),2),0)","v":4809},{"$f":"IF(K3<$K$3+$C$10,L3-Q3,0)","v":5191},{"$f":"IF(K3<$K$3+$C$10,ROUNDDOWN(R3*(1+$C$22),2),0)","v":5943.66},null,"Jahr 2019"]
[null,"Kirchensteuersatz",{"$f":"'St Ersp'!Z23","v":0.09},null,null,null,null,null,null,2,2020,{"$f":"IF(K4<$K$3+$C$10,$C$12,0)","v":10000},1,{"$f":"IF(K4<$K$3+$C$10,L4*M4,0)","v":10000},70000,{"$f":"ROUNDDOWN(IF((O4/$D$6)<(9168+1),0,IF((O4/$D$6)<(14254+1),(980.14*(((O4/$D$6)-9169)/10000)+1400)*((O4/$D$6)-9168)/10000,IF((O4/$D$6)<(55960+1),(216.16*(((O4/$D$6)-14255)/10000)+2397)*((O4/$D$6)-14255)/10000+965.58,IF((O4/$D$6)<(265326+1),(O4/$D$6)*0.42-8780.9,(O4/$D$6)*0.45-16740.68)))),0)*$D$6","v":20619},4809,{"$f":"IF(K4<$K$3+$C$10,L4-Q4,0)","v":5191},{"$f":"IF(K4<$K$3+$C$10,ROUNDDOWN((R4+S3)*(1+$C$22),2),0)","v":12749.11},null,"bis 9.168 Euro","(Grundfreibetrag): 0"]
[null,null,null,null,null,null,null,null,null,3,2021,10000,1,10000,70000,20619,4809,5191,{"$f":"IF(K5<$K$3+$C$10,ROUNDDOWN((R5+S4)*(1+$C$22),2),0)","v":20541.3},null,"9.168 Euro bis 14.254 Euro:","ESt = (980.14 · Y + 1.400) · Y"]
[null,"Familienstand",null,{"$f":"IF('St Ersp'!W25=\"Grundtabelle\",1,2)","v":1},null,null,null,null,null,4,2022,10000,1,10000,70000,20619,4809,5191,29463.31,null,null,"Y = (zvE - 9.168) / 10.000"]
[null,null,null,null,null,null,null,null,null,5,2023,10000,1,10000,70000,20619,4809,5191,39678.949999999997,null,"14.255 Euro bis 55.960 Euro:","ESt = (216.16 × Z + 2.397) × Z + 965.58"]
[null,"Basisrente",null,null,null,null,null,null,null,6,2024,10000,1,10000,70000,20619,4809,5191,51375.79,null,null,"Z = (zvE - 14.254) / 10.000"]
[null,null,null,null,null,null,null,null,null,7,2025,10000,1,10000,70000,20619,4809,5191,64768.59,null,"54.950 Euro bis 265.326 Euro:","ESt = 0,42 × zvE - 8780.9"]
[null,"Laufzeit",{"$f":"'St Ersp'!Z19","v":2019},null,null,null,null,null,null,8,2026,10000,1,10000,70000,20619,4809,5191,80103.259999999995,null,"ab 265.327 Euro:","ESt = 0,45 × zvE - 16740.68"]
[null,null,null,null,null,null,null,null,null,9,2027,10000,1,10000,70000,20619,4809,5191,97661.35]
[null,"Jahresbeitrag",{"$f":"'EB ZZ'!W19","v":10000},null,null,null,null,null,null,10,2028,10000,1,10000,70000,20619,4809,5191,117765.25,null,"In §39b Absatz 2 Satz 7 zweiter Halbsatz wird die Angabe \"10440\" durch"]
[null,null,null,null,null,null,null,null,null,11,2029,10000,1,10000,70000,20619,4809,5191,140784.07999999999,null,"die Angabe \"10635\" ersetzt."]
[null,"Beitragssumme = Garantie",{"$f":"C10*C12","v":20190000},null,null,null,null,null,null,12,2030,10000,1,10000,70000,20619,4809,5191,167140.49]
[null,null,null,null,null,null,null,null,null,13,2031,10000,1,10000,70000,20619,4809,5191,197318.39999999999]
[null,null,null,null,null,null,null,null,null,14,2032,10000,1,10000,70000,20619,4809,5191,231871.91]
[null,null,null,null,null,null,null,null,null,15,2033,10000,1,10000,70000,20619,4809,5191,271435.45]
[null,"Steuerersparnis gesamt",{"$f":"Q47","v":211596},null,null,null,null,null,null,16,2034,10000,1,10000,70000,20619,4809,5191,316735.43]
[null,null,null,null,null,null,null,null,null,17,2035,10000,1,10000,70000,20619,4809,5191,368603.61]
[null,"Nettoeinzahlung gesamt",{"$f":"R47","v":228404},null,null,null,null,null,null,18,2036,10000,1,10000,70000,20619,4809,5191,427992.33]
[null,null,null,null,null,null,null,null,null,19,2037,10000,1,10000,70000,20619,4809,5191,495992.02]
[null,"Vergleichsverzinsung",0.14499332917077101,null,null,null,null,null,null,20,2038,10000,1,10000,70000,20619,4809,5191,573851.21]
[null,null,null,null,null,null,null,null,null,21,2039,10000,1,10000,70000,20619,4809,5191,662999.46]
[null,null,null,null,null,null,null,null,null,22,2040,10000,1,10000,70000,20619,4809,5191,765073.61]
[null,null,null,null,null,null,null,null,null,23,2041,10000,1,10000,70000,20619,4809,5191,881947.84]
[null,null,null,null,null,null,null,null,null,24,2042,10000,1,10000,70000,20619,4809,5191,1015768.05]
[null,null,null,null,null,null,null,null,null,25,2043,10000,1,10000,70000,20619,4809,5191,1168991.3]
[null,null,null,null,null,null,null,null,null,26,2044,10000,1,10000,70000,20619,4809,5191,1344430.9]
[null,null,null,null,null,null,null,null,null,27,2045,10000,1,10000,70000,20619,4809,5191,1545308.07]
[null,"Wert für Zielwertsuche",{"$f":"IF(C14>0,ROUND(C14/S47*10000,2),\"\")","v":12771.01},null,null,null,null,null,null,28,2046,10000,1,10000,70000,20619,4809,5191,1775311.09]
[null,null,null,null,null,null,null,null,null,29,2047,10000,1,10000,70000,20619,4809,5191,2038663.01]
[null,"Steuer vor Basisrente ohne SolZ",{"$f":"ROUNDDOWN(IF((C2/D6)<(9168+1),0,IF((C2/D6)<(14254+1),(980.14*(((C2/D6)-9169)/10000)+1400)*((C2/D6)-9168)/10000,IF((C2/D6)<(55960+1),(216.16*(((C2/D6)-14255)/10000)+2397)*((C2/D6)-14255)/10000+965.58,IF((C2/D6)<(265326+1),(C2/D6)*0.42-8780.9,(C2/D6)*0.45-16740.68)))),0)*D6","v":24819},null,null,null,null,null,null,30,2048,10000,1,10000,70000,20619,4809,5191,2340199.2000000002]
[null,null,null,null,null,null,null,null,null,31,2049,10000,1,10000,70000,20619,4809,5191,2685456.13]
[null,null,null,null,null,null,null,null,null,32,2050,10000,1,10000,70000,20619,4809,5191,3080773.01]
[null,null,null,null,null,null,null,null,null,33,2051,10000,1,10000,70000,20619,4809,5191,3533408.2]
[null,null,null,null,null,null,null,null,null,34,2052,10000,1,10000,70000,20619,4809,5191,4051672.47]
[null,null,null,null,null,null,null,null,null,35,2053,10000,1,10000,70000,20619,4809,5191,4645081.6100000003]
[null,null,null,null,null,null,null,null,null,36,2054,10000,1,10000,70000,20619,4809,5191,5324531.1100000003]
[null,null,null,null,null,null,null,null,null,37,2055,10000,1,10000,70000,20619,4809,5191,6102496.2599999998]
[null,null,null,null,null,null,null,null,null,38,2056,10000,1,10000,70000,20619,4809,5191,6993261.1600000001]
[null,null,null,null,null,null,null,null,null,39,2057,10000,1,10000,70000,20619,4809,5191,8013181.0300000003]
[null,null,null,null,null,null,null,null,null,40,2058,10000,1,10000,70000,20619,4809,5191,9180982.4800000004]
[null,null,null,null,null,null,null,null,null,41,2059,10000,1,10000,70000,20619,4809,5191,10518107.35]
[null,null,null,null,null,null,null,null,null,42,2060,10000,1,10000,70000,20619,4809,5191,12049106.41]
[null,null,null,null,null,null,null,null,null,43,2060,10000,1,10000,70000,20619,4809,5191,13802090.119999999]
[null,null,null,null,null,null,null,null,null,44,2060,10000,1,10000,70000,20619,4809,5191,15809244.77]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM($Q$3:$Q$46)","v":211596},{"$f":"SUM($R$3:$R$46)","v":228404},{"$f":"ROUND(MAX($S$3:$S$46),0)","v":15809245}]

{"sheet":"Steuerber22","index":9,"n_rows":47,"n_cols":22,"rows_kept":47,"cut":false,"hidden":false,"merged":[[17,2,17,7],[19,2,19,7]]}
[]
[null,"zu versteuerndes Einkommen",{"$f":"'EB ZZ'!W17+'EB ZZ'!W19","v":80000},null,null,null,null,null,null,null,"Beitragsjahr","Beitrag","absetzbar","verm. zvE","zvE","Steuer neu\nohne SolZ","Ersparnis \nmit SolZ","Nettoaufwand","Nettoaufwand verzinst"]
[null,null,null,null,null,null,null,null,null,1,2019,{"$f":"IF(K3<$K$3+$C$10,$C$12,0)","v":11363.636363636364},0.88,{"$f":"IF(K3<$K$3+$C$10,L3*M3,0)","v":10000},{"$f":"IF(K3<$K$3+$C$10,zvE-N3,0)","v":70000},{"$f":"ROUNDDOWN(IF((O3/$D$6)<(9168+1),0,IF((O3/$D$6)<(14254+1),(980.14*(((O3/$D$6)-9169)/10000)+1400)*((O3/$D$6)-9168)/10000,IF((O3/$D$6)<(55960+1),(216.16*(((O3/$D$6)-14255)/10000)+2397)*((O3/$D$6)-14255)/10000+965.58,IF((O3/$D$6)<(265326+1),(O3/$D$6)*0.42-8780.9,(O3/$D$6)*0.45-16740.68)))),0)*$D$6","v":20619},{"$f":"IF(K3<$K$3+$C$10,ROUNDDOWN(($C$32-P3)*(1.055+KiSt),2),0)","v":4809},{"$f":"IF(K3<$K$3+$C$10,L3-Q3,0)","v":6554.636363636364},{"$f":"IF(K3<$K$3+$C$10,ROUNDDOWN(R3*(1+$C$22),2),0)","v":7505.01},null,"Jahr 2019"]
[null,"Kirchensteuersatz",{"$f":"'St Ersp'!Z23","v":0.09},null,null,null,null,null,null,2,2020,{"$f":"IF(K4<$K$3+$C$10,$C$12,0)","v":11363.636363636364},0.9,{"$f":"IF(K4<$K$3+$C$10,L4*M4,0)","v":10227.272727272728},69772.727272727265,{"$f":"ROUNDDOWN(IF((O4/$D$6)<(9168+1),0,IF((O4/$D$6)<(14254+1),(980.14*(((O4/$D$6)-9169)/10000)+1400)*((O4/$D$6)-9168)/10000,IF((O4/$D$6)<(55960+1),(216.16*(((O4/$D$6)-14255)/10000)+2397)*((O4/$D$6)-14255)/10000+965.58,IF((O4/$D$6)<(265326+1),(O4/$D$6)*0.42-8780.9,(O4/$D$6)*0.45-16740.68)))),0)*$D$6","v":20523},4918.92,{"$f":"IF(K4<$K$3+$C$10,L4-Q4,0)","v":6444.7163636363639},{"$f":"IF(K4<$K$3+$C$10,ROUNDDOWN((R4+S3)*(1+$C$22),2),0)","v":15972.34},null,"bis 9.168 Euro","(Grundfreibetrag): 0"]
[null,null,null,null,null,null,null,null,null,3,2021,11363.636363636364,0.92,10454.545454545456,69545.454545454544,20428,5027.6899999999996,6335.9463636363644,{"$f":"IF(K5<$K$3+$C$10,ROUNDDOWN((R5+S4)*(1+$C$22),2),0)","v":25542.83},null,"9.168 Euro bis 14.254 Euro:","ESt = (980.14 · Y + 1.400) · Y"]
[null,"Familienstand",null,{"$f":"IF('St Ersp'!W25=\"Grundtabelle\",1,2)","v":1},null,null,null,null,null,4,2022,11363.636363636364,0.94,10681.818181818182,69318.181818181823,20332,5137.6099999999997,6226.0263636363643,36375.120000000003,null,null,"Y = (zvE - 9.168) / 10.000"]
[null,null,null,null,null,null,null,null,null,5,2023,11363.636363636364,0.96,10909.090909090908,69090.909090909088,20237,5246.39,6117.2463636363636,48653.47,null,"14.255 Euro bis 55.960 Euro:","ESt = (216.16 × Z + 2.397) × Z + 965.58"]
[null,"Basisrente",null,null,null,null,null,null,null,6,2024,11363.636363636364,0.98,11136.363636363636,68863.636363636368,20141,5356.31,6007.3263636363636,62586.239999999998,null,null,"Z = (zvE - 14.254) / 10.000"]
[null,null,null,null,null,null,null,null,null,7,2025,11363.636363636364,1,11363.636363636364,68636.363636363632,20046,5465.08,5898.556363636364,78414.63,null,"54.950 Euro bis 265.326 Euro:","ESt = 0,42 × zvE - 8780.9"]
[null,"Laufzeit",{"$f":"'St Ersp'!Z19","v":2019},null,null,null,null,null,null,8,2026,11363.636363636364,0.999999999999999,11363.636363636353,68636.363636363647,20046,5465.08,5898.556363636364,96538.03,null,"ab 265.327 Euro:","ESt = 0,45 × zvE - 16740.68"]
[null,null,null,null,null,null,null,null,null,9,2027,11363.636363636364,1,11363.636363636364,68636.363636363632,20046,5465.08,5898.556363636364,117289.2]
[null,"Jahresbeitrag",{"$f":"'EB ZZ'!W31","v":11363.636363636364},null,null,null,null,null,null,10,2028,11363.636363636364,1,11363.636363636364,68636.363636363632,20046,5465.08,5898.556363636364,141049.15,null,"In §39b Absatz 2 Satz 7 zweiter Halbsatz wird die Angabe \"10440\" durch"]
[null,null,null,null,null,null,null,null,null,11,2029,11363.636363636364,1,11363.636363636364,68636.363636363632,20046,5465.08,5898.556363636364,168254.14,null,"die Angabe \"10635\" ersetzt."]
[null,"Beitragssumme = Garantie",{"$f":"C10*C12","v":22943181.81818182},null,null,null,null,null,null,12,2030,11363.636363636364,1,11363.636363636364,68636.363636363632,20046,5465.08,5898.556363636364,199403.67]
[null,null,null,null,null,null,null,null,null,13,2031,11363.636363636364,1,11363.636363636364,68636.363636363632,20046,5465.08,5898.556363636364,235069.67]
[null,null,null,null,null,null,null,null,null,14,2032,11363.636363636364,1,11363.636363636364,68636.363636363632,20046,5465.08,5898.556363636364,275907.01]
[null,null,null,null,null,null,null,null,null,15,2033,11363.636363636364,1,11363.636363636364,68636.363636363632,20046,5465.08,5898.556363636364,322665.49]
[null,"Steuerersparnis gesamt",{"$f":"Q47","v":238168.95999999979},null,null,null,null,null,null,16,2034,11363.636363636364,1,11363.636363636364,68636.363636363632,20046,5465.08,5898.556363636364,376203.64]
[null,null,null,null,null,null,null,null,null,17,2035,11363.636363636364,1,11363.636363636364,68636.363636363632,20046,5465.08,5898.556363636364,437504.46]
[null,"Nettoeinzahlung gesamt",{"$f":"R47","v":261831.04000000007},null,null,null,null,null,null,18,2036,11363.636363636364,1,11363.636363636364,68636.363636363632,20046,5465.08,5898.556363636364,507693.49]
[null,null,null,null,null,null,null,null,null,19,2037,11363.636363636364,1,11363.636363636364,68636.363636363632,20046,5465.08,5898.556363636364,588059.46]
[null,"Vergleichsverzinsung",0.14499332917077129,null,null,null,null,null,null,20,2038,11363.636363636364,1,11363.636363636364,68636.363636363632,20046,5465.08,5898.556363636364,680077.96]
[null,null,null,null,null,null,null,null,null,21,2039,11363.636363636364,1,11363.636363636364,68636.363636363632,20046,5465.08,5898.556363636364,785438.53]
[null,null,null,null,null,null,null,null,null,22,2040,11363.636363636364,1,11363.636363636364,68636.363636363632,20046,5465.08,5898.556363636364,906075.68]
[null,null,null,null,null,null,null,null,null,23,2041,11363.636363636364,1,11363.636363636364,68636.363636363632,20046,5465.08,5898.556363636364,1044204.41]
[null,null,null,null,null,null,null,null,null,24,2042,11363.636363636364,1,11363.636363636364,68636.363636363632,20046,5465.08,5898.556363636364,1202360.8899999999]
[null,null,null,null,null,null,null,null,null,25,2043,11363.636363636364,1,11363.636363636364,68636.363636363632,20046,5465.08,5898.556363636364,1383449]
[null,null,null,null,null,null,null,null,null,26,2044,11363.636363636364,1,11363.636363636364,68636.363636363632,20046,5465.08,5898.556363636364,1590793.68]
[null,null,null,null,null,null,null,null,null,27,2045,11363.636363636364,1,11363.636363636364,68636.363636363632,20046,5465.08,5898.556363636364,1828201.95]
[null,"Wert für Zielwertsuche",{"$f":"IF(C14>0,ROUND(C14/S47*10000,2),\"\")","v":12278.18},null,null,null,null,null,null,28,2046,11363.636363636364,1,11363.636363636364,68636.363636363632,20046,5465.08,5898.556363636364,2100032.84]
[null,null,null,null,null,null,null,null,null,29,2047,11363.636363636364,1,11363.636363636364,68636.363636363632,20046,5465.08,5898.556363636364,2411277.4]
[null,"Steuer vor Basisrente ohne SolZ",{"$f":"ROUNDDOWN(IF((C2/D6)<(9168+1),0,IF((C2/D6)<(14254+1),(980.14*(((C2/D6)-9169)/10000)+1400)*((C2/D6)-9168)/10000,IF((C2/D6)<(55960+1),(216.16*(((C2/D6)-14255)/10000)+2397)*((C2/D6)-14255)/10000+965.58,IF((C2/D6)<(265326+1),(C2/D6)*0.42-8780.9,(C2/D6)*0.45-16740.68)))),0)*D6","v":24819},null,null,null,null,null,null,30,2048,11363.636363636364,1,11363.636363636364,68636.363636363632,20046,5465.08,5898.556363636364,2767650.34]
[null,null,null,null,null,null,null,null,null,31,2049,11363.636363636364,1,11363.636363636364,68636.363636363632,20046,5465.08,5898.556363636364,3175694.98]
[null,null,null,null,null,null,null,null,null,32,2050,11363.636363636364,1,11363.636363636364,68636.363636363632,20046,5465.08,5898.556363636364,3642903.37]
[null,null,null,null,null,null,null,null,null,33,2051,11363.636363636364,1,11363.636363636364,68636.363636363632,20046,5465.08,5898.556363636364,4177853.86]
[null,null,null,null,null,null,null,null,null,34,2052,11363.636363636364,1,11363.636363636364,68636.363636363632,20046,5465.08,5898.556363636364,4790368.5999999996]
[null,null,null,null,null,null,null,null,null,35,2053,11363.636363636364,1,11363.636363636364,68636.363636363632,20046,5465.08,5898.556363636364,5491693.8899999997]
[null,null,null,null,null,null,null,null,null,36,2054,11363.636363636364,1,11363.636363636364,68636.363636363632,20046,5465.08,5898.556363636364,6294706.6699999999]
[null,null,null,null,null,null,null,null,null,37,2055,11363.636363636364,1,11363.636363636364,68636.363636363632,20046,5465.08,5898.556363636364,7214150.9500000002]
[null,null,null,null,null,null,null,null,null,38,2056,11363.636363636364,1,11363.636363636364,68636.363636363632,20046,5465.08,5898.556363636364,8266908.5199999996]
[null,null,null,null,null,null,null,null,null,39,2057,11363.636363636364,1,11363.636363636364,68636.363636363632,20046,5465.08,5898.556363636364,9472308.9100000001]
[null,null,null,null,null,null,null,null,null,40,2058,11363.636363636364,1,11363.636363636364,68636.363636363632,20046,5465.08,5898.556363636364,10852484.32]
[null,null,null,null,null,null,null,null,null,41,2059,11363.636363636364,1,11363.636363636364,68636.363636363632,20046,5465.08,5898.556363636364,12432775.949999999]
[null,null,null,null,null,null,null,null,null,42,2060,11363.636363636364,1,11363.636363636364,68636.363636363632,20046,5465.08,5898.556363636364,14242199.33]
[null,null,null,null,null,null,null,null,null,43,2060,11363.636363636364,1,11363.636363636364,68636.363636363632,20046,5465.08,5898.556363636364,16313977.029999999]
[null,null,null,null,null,null,null,null,null,44,2060,11363.636363636364,1,11363.636363636364,68636.363636363632,20046,5465.08,5898.556363636364,18686148.670000002]
[null,null,null,null,null,null,null,null,null,45,null,null,null,null,null,null,{"$f":"SUM($Q$3:$Q$46)","v":238168.95999999979},{"$f":"SUM($R$3:$R$46)","v":261831.04000000007},{"$f":"ROUND(MAX($S$3:$S$46),0)","v":18686149}]

{"sheet":"Steuerber3","index":10,"n_rows":48,"n_cols":22,"rows_kept":48,"cut":false,"hidden":false,"merged":[[17,2,17,7],[19,2,19,7],[22,1,27,8]]}
[]
[null,"zu versteuerndes Einkommen",{"$f":"Rend!W25","v":70000},null,null,null,null,null,null,null,"Beitragsjahr","Beitrag","absetzbar","verm. zvE","zvE","Steuer neu\nohne SolZ","Ersparnis \nmit SolZ","Nettoaufwand","Nettoaufwand verzinst"]
[null,null,null,null,null,null,null,null,null,1,2019,{"$f":"IF(K3<$K$3+$C$10,$C$12,0)","v":1200},0.88,{"$f":"IF(K3<$K$3+$C$10,L3*M3,0)","v":1056},{"$f":"IF(K3<$K$3+$C$10,zvE-N3,0)","v":68944},{"$f":"ROUNDDOWN(IF((O3/$D$6)<(9168+1),0,IF((O3/$D$6)<(14254+1),(980.14*(((O3/$D$6)-9169)/10000)+1400)*((O3/$D$6)-9168)/10000,IF((O3/$D$6)<(55960+1),(216.16*(((O3/$D$6)-14255)/10000)+2397)*((O3/$D$6)-14255)/10000+965.58,IF((O3/$D$6)<(265326+1),(O3/$D$6)*0.42-8780.9,(O3/$D$6)*0.45-16740.68)))),0)*$D$6","v":20175},{"$f":"IF(K3<$K$3+$C$10,ROUNDDOWN(($C$32-P3)*(1.055+KiSt),2),0)","v":508.38},{"$f":"IF(K3<$K$3+$C$10,L3-Q3,0)","v":691.62},{"$f":"IF(K3<$K$3+$C$10,ROUNDDOWN(R3*(1+$C$22),2),0)","v":708.26},null,"Jahr 2019"]
[null,"Kirchensteuersatz",{"$f":"Rend!Z27","v":0.09},null,null,null,null,null,null,2,2020,{"$f":"IF(K4<$K$3+$C$10,$C$12,0)","v":1200},0.9,{"$f":"IF(K4<$K$3+$C$10,L4*M4,0)","v":1080},68920,{"$f":"ROUNDDOWN(IF((O4/$D$6)<(9168+1),0,IF((O4/$D$6)<(14254+1),(980.14*(((O4/$D$6)-9169)/10000)+1400)*((O4/$D$6)-9168)/10000,IF((O4/$D$6)<(55960+1),(216.16*(((O4/$D$6)-14255)/10000)+2397)*((O4/$D$6)-14255)/10000+965.58,IF((O4/$D$6)<(265326+1),(O4/$D$6)*0.42-8780.9,(O4/$D$6)*0.45-16740.68)))),0)*$D$6","v":20165},519.83000000000004,{"$f":"IF(K4<$K$3+$C$10,L4-Q4,0)","v":680.17},{"$f":"IF(K4<$K$3+$C$10,ROUNDDOWN((R4+S3)*(1+$C$22),2),0)","v":1421.83},null,"bis 9.168 Euro","(Grundfreibetrag): 0"]
[null,null,null,null,null,null,null,null,null,3,2021,1200,0.92,1104,68896,20155,531.28,668.72,{"$f":"IF(K5<$K$3+$C$10,ROUNDDOWN((R5+S4)*(1+$C$22),2),0)","v":2140.85},null,"9.168 Euro bis 14.254 Euro:","ESt = (980.14 · Y + 1.400) · Y"]
[null,"Familienstand",null,{"$f":"IF(Rend!W29=\"Grundtabelle\",1,2)","v":1},null,null,null,null,null,4,2022,1200,0.94,1128,68872,20145,542.73,657.27,2865.44,null,null,"Y = (zvE - 9.168) / 10.000"]
[null,null,null,null,null,null,null,null,null,5,2023,1200,0.96,1152,68848,20135,554.17999999999995,645.82000000000005,3595.74,null,"14.255 Euro bis 55.960 Euro:","ESt = (216.16 × Z + 2.397) × Z + 965.58"]
[null,"Basisrente",null,null,null,null,null,null,null,6,2024,1200,0.98,1176,68824,20125,565.63,634.37,4331.8900000000003,null,null,"Z = (zvE - 14.254) / 10.000"]
[null,null,null,null,null,null,null,null,null,7,2025,1200,1,1200,68800,20115,577.08000000000004,622.91999999999996,5074.03,null,"54.950 Euro bis 265.326 Euro:","ESt = 0,42 × zvE - 8780.9"]
[null,"Laufzeit",{"$f":"Rend!Z19","v":32},null,null,null,null,null,null,8,2026,1200,0.999999999999999,1199.9999999999989,68800,20115,577.08000000000004,622.91999999999996,5834.02,null,"ab 265.327 Euro:","ESt = 0,45 × zvE - 16740.68"]
[null,null,null,null,null,null,null,null,null,9,2027,1200,0.999999999999999,1199.9999999999989,68800,20115,577.08000000000004,622.91999999999996,6612.3]
[null,"Jahresbeitrag",{"$f":"Rend!W17","v":1200},null,null,null,null,null,null,10,2028,1200,0.999999999999999,1199.9999999999989,68800,20115,577.08000000000004,622.91999999999996,7409.31,null,"In §39b Absatz 2 Satz 7 zweiter Halbsatz wird die Angabe \"10440\" durch"]
[null,null,null,null,null,null,null,null,null,11,2029,1200,0.999999999999999,1199.9999999999989,68800,20115,577.08000000000004,622.91999999999996,8225.49,null,"die Angabe \"10635\" ersetzt."]
[null,"Beitragssumme = Garantie",{"$f":"Rend!W23","v":30720},null,null,null,null,null,null,12,2030,1200,0.999999999999999,1199.9999999999989,68800,20115,577.08000000000004,622.91999999999996,9061.31]
[null,null,null,null,null,null,null,null,null,13,2031,1200,0.999999999999999,1199.9999999999989,68800,20115,577.08000000000004,622.91999999999996,9917.24]
[null,null,null,null,null,null,null,null,null,14,2032,1200,0.999999999999999,1199.9999999999989,68800,20115,577.08000000000004,622.91999999999996,10793.77]
[null,null,null,null,null,null,null,null,null,15,2033,1200,0.999999999999999,1199.9999999999989,68800,20115,577.08000000000004,622.91999999999996,11691.39]
[null,"Steuerersparnis gesamt",{"$f":"Q48","v":18226.110000000004},null,null,null,null,null,null,16,2034,1200,0.999999999999999,1199.9999999999989,68800,20115,577.08000000000004,622.91999999999996,12610.61]
[null,null,null,null,null,null,null,null,null,17,2035,1200,0.999999999999999,1199.9999999999989,68800,20115,577.08000000000004,622.91999999999996,13551.95]
[null,"Nettoeinzahlung gesamt",{"$f":"R48","v":20173.889999999989},null,null,null,null,null,null,18,2036,1200,0.999999999999999,1199.9999999999989,68800,20115,577.08000000000004,622.91999999999996,14515.94]
[null,null,null,null,null,null,null,null,null,19,2037,1200,0.999999999999999,1199.9999999999989,68800,20115,577.08000000000004,622.91999999999996,15503.12]
[null,"Vergleichsverzinsung",2.406161166789705E-2,null,null,null,null,null,null,20,2038,1200,0.999999999999999,1199.9999999999989,68800,20115,577.08000000000004,622.91999999999996,16514.05]
[null,null,null,null,null,null,null,null,null,21,2039,1200,0.999999999999999,1199.9999999999989,68800,20115,577.08000000000004,622.91999999999996,17549.310000000001]
[null,null,null,null,null,null,null,null,null,22,2040,1200,0.999999999999999,1199.9999999999989,68800,20115,577.08000000000004,622.91999999999996,18609.48]
[null,null,null,null,null,null,null,null,null,23,2041,1200,0.999999999999999,1199.9999999999989,68800,20115,577.08000000000004,622.91999999999996,19695.16]
[null,null,null,null,null,null,null,null,null,24,2042,1200,0.999999999999999,1199.9999999999989,68800,20115,577.08000000000004,622.91999999999996,20806.96]
[null,null,null,null,null,null,null,null,null,25,2043,1200,0.999999999999999,1199.9999999999989,68800,20115,577.08000000000004,622.91999999999996,21945.51]
[null,null,null,null,null,null,null,null,null,26,2044,1200,0.999999999999999,1199.9999999999989,68800,20115,577.08000000000004,622.91999999999996,23111.46]
[null,null,null,null,null,null,null,null,null,27,2045,1200,0.999999999999999,1199.9999999999989,68800,20115,577.08000000000004,622.91999999999996,24305.46]
[null,"Wert für Zielwertsuche",{"$f":"IF(C14>0,ROUND(C14/S48*10000,2),\"\")","v":10000},null,null,null,null,null,null,28,2046,1200,0.999999999999999,1199.9999999999989,68800,20115,577.08000000000004,622.91999999999996,25528.19]
[null,null,null,null,null,null,null,null,null,29,2047,1200,0.999999999999999,1199.9999999999989,68800,20115,577.08000000000004,622.91999999999996,26780.34]
[null,"Steuer vor Basisrente ohne SolZ",{"$f":"ROUNDDOWN(IF((C2/D6)<(9168+1),0,IF((C2/D6)<(14254+1),(980.14*(((C2/D6)-9169)/10000)+1400)*((C2/D6)-9168)/10000,IF((C2/D6)<(55960+1),(216.16*(((C2/D6)-14255)/10000)+2397)*((C2/D6)-14255)/10000+965.58,IF((C2/D6)<(265326+1),(C2/D6)*0.42-8780.9,(C2/D6)*0.45-16740.68)))),0)*D6","v":20619},null,null,null,null,null,null,30,2048,1200,0.999999999999999,1199.9999999999989,68800,20115,577.08000000000004,622.91999999999996,28062.62]
[null,null,null,null,null,null,null,null,null,31,2049,1200,0.999999999999999,1199.9999999999989,68800,20115,577.08000000000004,622.91999999999996,29375.759999999998]
[null,null,null,null,null,null,null,null,null,32,2050,1200,0.999999999999999,1199.9999999999989,68800,20115,577.08000000000004,622.91999999999996,30720.49]
[null,null,null,null,null,null,null,null,null,33,2051,0,0.999999999999999,0,0,0,0,0,0]
[null,null,null,null,null,null,null,null,null,34,2052,0,0.999999999999999,0,0,0,0,0,0]
[null,null,null,null,null,null,null,null,null,35,2053,0,0.999999999999999,0,0,0,0,0,0]
[null,null,null,null,null,null,null,null,null,36,2054,0,0.999999999999999,0,0,0,0,0,0]
[null,null,null,null,null,null,null,null,null,37,2055,0,0.999999999999999,0,0,0,0,0,0]
[null,null,null,null,null,null,null,null,null,38,2056,0,0.999999999999999,0,0,0,0,0,0]
[null,null,null,null,null,null,null,null,null,39,2057,0,0.999999999999999,0,0,0,0,0,0]
[null,null,null,null,null,null,null,null,null,40,2058,0,0.999999999999999,0,0,0,0,0,0]
[null,null,null,null,null,null,null,null,null,41,2059,0,0.999999999999999,0,0,0,0,0,0]
[null,null,null,null,null,null,null,null,null,42,2060,0,0.999999999999999,0,0,0,0,0,0]
[null,null,null,null,null,null,null,null,null,43,2061,0,0.999999999999999,0,0,0,0,0,0]
[null,null,null,null,null,null,null,null,null,44,2061,0,0.999999999999999,0,0,0,0,0,0]
[null,null,null,null,null,null,null,null,null,45,2061,0,0.999999999999999,0,0,0,0,0,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM($Q$3:$Q$47)","v":18226.110000000004},{"$f":"SUM($R$3:$R$47)","v":20173.889999999989},{"$f":"ROUND(MAX($S$3:$S$47),0)","v":30720}]