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[null,"DATOS PERSONALES Y LABORALES",null,null,null,null,"RESULTADOS COMPLEMENTO JUBILACIÓN",null,null,null,null,null,null,null,null,null,"DATOS SELECCIONABLES",null,null,null,null,"VALOR ACTUAL ACTUARIAL",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,"Sexo (V=1, M=2)",null,{"$f":"IF($R$4=TRUE,1,2)","v":1}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"RESUMEN DE DATOS PARA EL PERIODO TRANSITORIO",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Año (2014-2063)",null,{"$f":"YEAR($AC$65)","v":2047}]
[null,"Sexo",null,null,null,null,"Información del primer año tras la jubilación",null,null,null,null,null,null,null,null,null,"Sexo",true,false,null,null,"Edad","Factor","Factor IRP",null,null,null,null,null,null,null,null,null,null,null,"Actualizaciones",null,"Año validez",2018]
[null,null,{"$f":"IF(S4=TRUE,\"Número de hijos a efectos del complemento por maternidad:\",\"\")","v":""},"Dos",null,null,null,null,"Mensual",{"$f":"IFERROR(CONCATENATE(\"% salario neto previo a la jubilación (\",ROUND(W79,0),\" €)\"),\"\")","v":""},null,null,null,null,null,null,"CCAA","Media España",null,null,{"$f":"V5-60","v":1},61,{"$f":"VAACF($C$73,$C$78,$AY8:$AY$47)","v":28.561599448591611},{"$f":"VAACF($C$73,$C$79,$AY8:$AY$47)","v":22.295573170881497},null,null,"Año","Años B.Reg.","Edad Jub. normal","Años cot. Jub. 65","Límite 1 meses cot.","%","Límite 2 meses cot.","%",null,"Quitar una fila al rango Transitorio",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Probabilidades de supervivencia con promedio de años vividos (proviene de Datos para el simulador - Probabilidades)"]
[null,"Fecha de nacimiento (día / mes / año)",1,1,1980,null,"Datos en € actuales","Anual","(14 pagas)",null,null,null,null,null,null,null,"Régimen",true,false,null,{"$f":"V6-60","v":2},62,{"$f":"VAACF($C$73,$C$78,$AY9:$AY$47)","v":27.587363204192801},{"$f":"VAACF($C$73,$C$79,$AY9:$AY$47)","v":21.690094588765248},null,null,2017,20,{"$f":"65+(5/12)","v":65.416666666666671},{"$f":"36+(3/12)","v":36.25},163,2.0999999999999999E-3,246,1.9E-3,null,"Actualizar el año validez",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Columna","Hombre","Años"]
[null,null,null,null,null,null,"GASTOS PREVISTOS EN LA JUBILACIÓN",{"$f":"IF(C37=0,\"\",C37*12)","v":""},{"$f":"IFERROR(H7/14,\"\")","v":""},{"$f":"IFERROR(H7/$W$79,\"\")","v":""},null,null,null,null,null,null,"Ahorro actual",0,null,null,3,63,{"$f":"VAACF($C$73,$C$78,$AY10:$AY$47)","v":26.629041055349632},{"$f":"VAACF($C$73,$C$79,$AY10:$AY$47)","v":21.08680474353957},null,null,2018,21,{"$f":"65+(6/12)","v":65.5},{"$f":"36+(6/12)","v":36.5},163,2.0999999999999999E-3,246,1.9E-3,null,"Nuevas probabilidades supervivencia (cada dos años)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"aplicable","Edades",2016,2017,2018,2019,2020,2021,2022,2023,2024,2025,2026,2027,2028,2029,2030,2031,2032,2033,2034,2035,2036,2037,2038,2039,2040,2041,2042,2043,2044,2045,2046,2047,2048,2049,2050,2051,2052,2053,2054,2055,2056,2057,2058,2059,2060,2061,2062,2063,2064,2065]
[null,"Comunidad Autónoma",null,null,null,null,"INGRESOS NETOS PREVISTOS EN LA JUBILACIÓN",{"$f":"IFERROR(V92,\"\")","v":""},{"$f":"IFERROR(H8/14,\"\")","v":""},{"$f":"IFERROR(H8/$W$79,\"\")","v":""},null,null,null,null,null,null,"Perfil de riesgo","Decreciente con la edad",null,null,4,64,{"$f":"VAACF($C$73,$C$78,$AY11:$AY$47)","v":25.682570871284234},{"$f":"VAACF($C$73,$C$79,$AY11:$AY$47)","v":20.482665921952975},null,null,2019,22,{"$f":"65+(8/12)","v":65.666666666666671},{"$f":"36+(9/12)","v":36.75},163,2.0999999999999999E-3,246,1.9E-3,null,"Nuevas bases de cotización (también validación de datos)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF($BA$2=1,HLOOKUP($BA$3,$BA$7:$CX$47,AZ8-59),HLOOKUP($BA$3,$BA$50:$CX$90,AZ8-59))","v":0.99456214079477778},61,0.99143515424587003,0.99155972596538322,0.99168317129761696,0.99180454384647632,0.99192381700284971,0.9920415303132134,0.99215818210574591,0.99227177952845336,0.992384817688169,0.9924953225623826,0.99260478775058969,0.99271270650647003,0.9928185927259402,0.99292295974185452,0.99302578873528558,0.99312759223525715,0.99322737287950336,0.9933256430760482,0.99342287127100992,0.99351859205836834,0.99361229629397763,0.9937049843270136,0.99379665721198673,0.99388731591595403,0.99397596237096941,0.99406308568884838,0.99414970807979108,0.99423480875109305,0.99431841106641738,0.9944010037585912,0.99448207656083876,0.99456214079477778,0.99464119695419129,0.99471875771092899,0.99479579912584126,0.99487134606678596,0.9949458867077039,0.99501939810064188,0.99509141620580999,0.99516293997288963,0.99523294780073523,0.99530195092833007,0.99537046062989476,0.99543745518594728,0.99550344583240014,0.99556943117313246,0.99563341468397926,0.99569639497011786,0.99575937053913,0.99582085604409287]
[null,null,null,null,null,null,"Pensión pública probable",{"$f":"IFERROR(V83,\"\")","v":""},{"$f":"IFERROR(H9/14,\"\")","v":""},{"$f":"IFERROR(H9/$W$79,\"\")","v":""},null,null,null,null,null,null,"Edad de jubilación",780,null,null,5,65,{"$f":"VAACF($C$73,$C$78,$AY12:$AY$47)","v":24.746549797045166},{"$f":"VAACF($C$73,$C$79,$AY12:$AY$47)","v":19.876666483997596},null,null,2020,23,{"$f":"65+(10/12)","v":65.833333333333329},{"$f":"37+(0/12)","v":37},106,2.0999999999999999E-3,252,1.9E-3,null,"Nuevos límites de pensiones",null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF($BA$2=1,HLOOKUP($BA$3,$BA$7:$CX$47,AZ9-59),HLOOKUP($BA$3,$BA$50:$CX$90,AZ9-59))","v":0.99396016743858839},62,0.99075594940463652,0.99087901430966763,0.99100210387757992,0.9911226246190602,0.99124252652509603,0.99136075576986704,0.99147778201127612,0.99159304814661364,0.99170755994921855,0.99181976242150494,0.99193115252841679,0.99204121542001822,0.99214992225689924,0.99225676164112175,0.99236223197402973,0.99246682046628953,0.99257000672903917,0.99267128377213121,0.99277166591420507,0.99287062224428335,0.99296814640422015,0.99306424508592017,0.99315941187849821,0.99325364210088385,0.99334592048687598,0.99343725367447955,0.99352763800426547,0.99361657041372009,0.99370403535024632,0.99379054163700664,0.99387608654667714,0.99396016743858839,0.9940437820067447,0.99412541563840529,0.99420609008593264,0.99428577981343169,0.99436449476657474,0.99444224479694676,0.9945190049780861,0.99459428456092924,0.99466858271686398,0.9947423990352775,0.99481473025530254,0.99488607601823753,0.99495643510855047,0.9950263189355244,0.99509470129068167,0.9951620936501977,0.99522950921748421,0.99529491870155173]
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[null,null,null,893.1,null,null,"Información de los años siguientes tras la jubilación",null,null,null,null,null,null,null,null,null,null,"RG","Autónomos",null,9,69,{"$f":"VAACF($C$73,$C$78,$AY16:$AY$47)","v":21.10501676670135},{"$f":"VAACF($C$73,$C$79,$AY16:$AY$47)","v":17.434312757713574},null,null,2024,25,{"$f":"66+(6/12)","v":66.5},{"$f":"38+(0/12)","v":38},49,2.0999999999999999E-3,258,1.9E-3,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0.99215660356241508,66,0.98760517219870836,0.98779300979407891,0.98797709618829122,0.98815713807629546,0.98833376045368415,0.98850759200721261,0.98867822134197392,0.98884574215036525,0.98901022421537388,0.98917221259135768,0.98933175760232517,0.98948841801725285,0.98964271742891219,0.98979468933719206,0.98994387932531336,0.99009079832099156,0.99023546987176825,0.99037743180026894,0.99051767007977876,0.99065573106511873,0.99079161797209703,0.9909253451395369,0.99105692569452952,0.99118637169174073,0.99131418905308455,0.99143989295202661,0.99156398745382357,0.99168598656562801,0.99180637974837849,0.99192470620171713,0.99204144099458447,0.99215660356241508,0.99226970600431708,0.99238075423915806,0.99249122149951052,0.99259915114058095,0.9927060287716547,0.99281085843320904,0.99291464438816623,0.99301640399138524,0.99311711391914492,0.9932162844011726,0.99331345287882455,0.99341006065977311,0.9935046591608836,0.993597744171964,0.99368979740266739,0.99378034238428015,0.99386986038171088,0.99395786126353536]
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[null,"Tiempo cotizado hasta hoy",0,0,null,null,null,null,null,null,null,null,null,null,null,null,"Pensión mínima",606.70000000000005,null,null,12,72,{"$f":"VAACF($C$73,$C$78,$AY19:$AY$47)","v":18.443310464332495},{"$f":"VAACF($C$73,$C$79,$AY19:$AY$47)","v":15.552936972751958},null,null,2027,25,67,{"$f":"38+(6/12)","v":38.5},248,1.9E-3,264,1.8E-3,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0.99036235344259671,69,0.98380378634489052,0.98406753993716722,0.98432794070630725,0.98458481690324162,0.9848375345605288,0.98508699047650827,0.98533308887363047,0.98557475388397742,0.98581291968789353,0.98604753978923509,0.9862790665943173,0.98650645139797233,0.98673067790257074,0.98695068248021356,0.98716796769764859,0.98738150100634003,0.9875912605858097,0.98779822069252343,0.98800136887937828,0.98820168219159621,0.98839866593634673,0.98859177560088662,0.98878254111408015,0.98896992287694452,0.98915440563791102,0.98933550335172959,0.98951419889218017,0.9896889770547509,0.98986183209945899,0.99003127147127989,0.99019827893241985,0.99036235344259671,0.99052398400190578,0.99068267055380632,0.990838902481465,0.99099267476488628,0.99114348859841661,0.9912918591976656,0.99143825144268927,0.99158167349651016,0.99172313553188762,0.99186211421582049,0.99199811263736382,0.99213263510585559,0.99226469245822801,0.99239474737630484,0.99252233220611807,0.99264793790000261,0.99277153312359812,0.99289265181131503]
[null,null,null,null,null,null,{"$f":"IFERROR(IF(OR(Año=0,Años_cotizados=0,Años_edad_jubilación=0)=TRUE,\"\",IF(AA35<=YEAR(S74),\"El año de jubilación debe ser \"&YEAR(S74)+1&\" o superior: aumente el año de nacimiento o la edad de jubilación para una simulación válida\",IF(Años_cotizados>YEAR(S74)-Año-16,\"Los años cotizados no pueden dar lugar a cotizaciones antes de los 16 años: disminuya su valor para una simulación válida\",IF(Años_edad_jubilación+Meses_edad_jubilación/12<C29+D29/12,\"Edad de jubilación incoherente\",\"\")))),\"\")","v":""},null,null,null,null,null,null,null,null,null,"Pensión máxima",2580.13,null,null,13,73,{"$f":"VAACF($C$73,$C$78,$AY20:$AY$47)","v":17.572914800807197},{"$f":"VAACF($C$73,$C$79,$AY20:$AY$47)","v":14.919389347121893},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0.99013361112252518,70,0.98263692526231083,0.98295533459064699,0.98326806528339628,0.98357380243262216,0.98387368050113611,0.98416731429221549,0.98445529619054017,0.9847377058317025,0.98501461064332929,0.98528606174383049,0.98555260478384532,0.98581379105066036,0.98607063835543307,0.986321709147995,0.98656900051863994,0.98681104979061629,0.98704937751271093,0.98728250605409507,0.98751145292121478,0.98773623524522935,0.98795735481782265,0.9881733528399077,0.98838670027283193,0.98859543610042755,0.98880007182470231,0.98900110211416059,0.98919903656672936,0.9893928987445485,0.98958318032197412,0.98976988815843081,0.98995353019212351,0.99013361112252518,0.99031063833011945,0.99048461742743144,0.99065505169938661,0.99082244790979368,0.99098681077411921,0.99114862542891002,0.9913069124708207,0.99146268068097188,0.99161591146043604,0.9917656253163013,0.99191283108681461,0.99205750862838615,0.99220016341352779,0.99233931313814672,0.99247644531413359,0.99261105904462055,0.99274318167559583,0.99287279041726118]
[null,"DATOS PERFIL DE AHORRO",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,14,74,{"$f":"VAACF($C$73,$C$78,$AY21:$AY$47)","v":16.718036979800981},{"$f":"VAACF($C$73,$C$79,$AY21:$AY$47)","v":14.288808949540892},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0.98940003608746574,71,0.98108597521258201,0.98143551766884307,0.98177912590949268,0.98211579369339219,0.98244700923156481,0.98277176244444719,0.98309006401823051,0.98340339849343128,0.98371077049405153,0.98401217190601109,0.98430760578327059,0.9845980642317278,0.98488304860651088,0.98516255733117764,0.98543758777600976,0.98570663913708367,0.98597171057013056,0.9862308009349231,0.98648590733281216,0.98673603166118451,0.98698167148753868,0.98722232625314132,0.98745949399589772,0.98769117627700476,0.98791887077795359,0.9881425772347574,0.98836229454855429,0.98857752281923117,0.98878926168115533,0.98899651084545515,0.98920026861455757,0.98940003608746574,0.98959631136846371,0.98978909396741133,0.98997788538470533,0.99016318341955378,0.99034548869921235,0.99052429995083524,0.99069962044040516,0.99087194400449319,0.99104127403538289,0.99120661156960599,0.99136945262785425,0.99152929974498338,0.99168614800320454,0.99184000686921059,0.99199086639568557,0.99213923353899525,0.99228460070844571,0.99242747540569465]
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[null,"Importe que tiene previsto ahorrar anualmente",0,{"$f":"IFERROR(IF(Ahorro_máximo_anual=0,\"\",ROUND(Ahorro_máximo_anual/Ingresos,3)*100&\"% \"&\"salario bruto\"),\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,null,"FACTOR DE SOSTENIBILIDAD",null,null,null,16,76,{"$f":"VAACF($C$73,$C$78,$AY23:$AY$47)","v":15.045111909527698},{"$f":"VAACF($C$73,$C$79,$AY23:$AY$47)","v":13.028944250591884},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0.98733867333382341,73,0.97681449001158493,0.97726047141960726,0.9776979316832175,0.97812780184642201,0.97854904020729139,0.97896258343644926,0.97936839294894074,0.97976645359826464,0.98015671991862252,0.98054068203790601,0.98091631215257025,0.98128508968980366,0.98164650514579921,0.9820010388554713,0.98234918827699136,0.98269043305431014,0.98302477774648489,0.98335320325415598,0.98367570195966536,0.98399127576977219,0.98430089577803359,0.98460509129056661,0.98490282615525504,0.98519511280401939,0.9854819464345006,0.98576281423254319,0.98603822056087698,0.9863086583589733,0.98657361630409679,0.98683361055906393,0.98708913489553118,0.98733867333382341,0.98758423380546945,0.9878248087833329,0.98806040595533451,0.9882915108057897,0.98851862922047151,0.98874076326962146,0.98895940525334769,0.98917355730965018,0.98938271038118786,0.989588375826848,0.98979054363530916,0.98998872241645486,0.99018239529683327,0.99037257517416966,0.99055926075704503,0.99074244310244586,0.99092212901985011,0.99109781063217461]
[null,"Incremento previsto del ahorro anual",0,null,null,null,null,null,null,null,null,null,null,null,null,null,"Año","Factor",null,null,17,77,{"$f":"VAACF($C$73,$C$78,$AY24:$AY$47)","v":14.23695096253708},{"$f":"VAACF($C$73,$C$79,$AY24:$AY$47)","v":12.40862868136775},null,null,"TASA DE SUSTITUCIÓN ETAPA TRANSICIÓN Y FINAL",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0.98629298234359786,74,0.97469935771107685,0.97519735802683594,0.97568523243535021,0.97616358759029254,0.97663148662401678,0.97709000941219826,0.97754018490189787,0.97798057409478745,0.97841172124066667,0.97883562985742378,0.97924984926314884,0.97965639284175632,0.9800547755164507,0.98044503238635727,0.98082766819047285,0.98120318628827596,0.98157060562586673,0.98193094742119058,0.98228471084520952,0.98263089642967127,0.98297053618173458,0.98330360828724017,0.98363013439427172,0.98395012080141175,0.98426357330601366,0.98457098721499103,0.98487236769659336,0.98516773249908951,0.98545806581005391,0.985741888365123,0.98602068713321589,0.98629298234359786,0.98656125333730083,0.98682352924548988,0.98708078211918504,0.9873330380455152,0.98758029906937639,0.98782254498766897,0.9880607928977575,0.98829355032551036,0.98852180100365472,0.98874604845149228,0.98896581365794567,0.98918107745584327,0.98939234279833943,0.98959912003486195,0.9898023928795292,0.99000118986983254,0.99019648498641621,0.99038778828985918]
[null,"Ahorro acumulado actual en productos para la jubilación",0,null,null,null,null,null,null,null,null,null,null,null,null,null,2018,1,null,null,18,78,{"$f":"VAACF($C$73,$C$78,$AY25:$AY$47)","v":13.446448303774856},{"$f":"VAACF($C$73,$C$79,$AY25:$AY$47)","v":11.794086084387597},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0.9848331081740116,75,0.97189141809981738,0.97245310764634563,0.97300206533948153,0.97353952120896337,0.97406520582667866,0.9745792927758995,0.97508343010306553,0.97557671335042218,0.97605924381896647,0.9765326427054779,0.97699544973420227,0.97744923249338744,0.97789404701298288,0.97832943156032248,0.97875594125075271,0.97917412609367405,0.97958398904509347,0.97998508231303427,0.98037842393936958,0.98076403923711442,0.98114191932160666,0.98151214913114393,0.98187519445562088,0.98223107277971566,0.98257932206234899,0.98292094572574007,0.98325595738162952,0.9835838596791554,0.98390616227809835,0.98422137826233469,0.98453053770721977,0.9848331081740116,0.98513062766779647,0.98542109788001342,0.98570701034985941,0.98598687563410647,0.98626070070635563,0.98652951087921548,0.98679327984268017,0.98705150393087082,0.98730473002468111,0.98755344006874235,0.98779662052932893,0.98803481740927457,0.98826898850589029,0.98849815206617897,0.98872332981761557,0.98894347533026616,0.98915964208260376,0.98937180098862942]
[null,"Perfil de riesgo inversor",null,null,null,null,null,null,null,null,null,null,null,null,null,null,2019,0.99529999999999996,null,null,19,79,{"$f":"VAACF($C$73,$C$78,$AY26:$AY$47)","v":12.674734436173047},{"$f":"VAACF($C$73,$C$79,$AY26:$AY$47)","v":11.186607702237659},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0.98288718778734696,76,0.96869917483149337,0.96930244443566504,0.96989382190352613,0.97047432712960569,0.97104342960897938,0.97160160097287984,0.97214935087005916,0.97268618996855094,0.97321307587249717,0.97372952091151088,0.97423600164979429,0.97473303355844809,0.97522061290911188,0.97569873634241833,0.97616740081205045,0.97662708445978708,0.97707830543986085,0.97752005970210931,0.97795382763557415,0.97837912653778536,0.97879647612267939,0.97920531238359865,0.97960667660891565,0.98000056747541764,0.98038646186521494,0.98076488028242392,0.98113582161914648,0.98149976490411939,0.98185723120535817,0.98220721738486128,0.98255068239613563,0.98288718778734696,0.9832176926383247,0.98354119370613902,0.98385873546901181,0.98417075415868649,0.98447580990602157,0.98477534112135023,0.98506939036126295,0.98535795715564078,0.98564051797215679,0.9859175953286583,0.98618966824591769,0.98645573354771643,0.986717316674661,0.98697341461016708,0.98722498559425642,0.98747159402467588,0.98771367465671067,0.98795079215478399]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,2020,0.99070000000000003,null,null,20,80,{"$f":"VAACF($C$73,$C$78,$AY27:$AY$47)","v":11.920091903187014},{"$f":"VAACF($C$73,$C$79,$AY27:$AY$47)","v":10.584975988573801},null,null,null,null,null,null,null,"Año de jubilación según datos introducidos por el usuario",{"$f":"YEAR(AC65)","v":2047},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0.9809394539229005,77,0.96534053061989422,0.96600154811913752,0.96664991155366253,0.96728606069821688,0.96790995991644291,0.96852209744175444,0.96912341568126303,0.96971241002892083,0.97029058184543171,0.97085788127180983,0.97141433048329962,0.97196088392199564,0.97249656594520062,0.97302185046580159,0.9735372121396132,0.97404267989811866,0.97453921268518684,0.97502532039360035,0.9755030009743807,0.9759712479701641,0.97643005689190709,0.97688090796901139,0.97732283249247098,0.97775630953516368,0.97818181834136098,0.97859887342302287,0.97900795439763211,0.97940909592068337,0.97980326049892807,0.98018896118435128,0.98056820039397996,0.9809394539229005,0.98130424216564516,0.98166204338512486,0.98201237346746362,0.98235675347192208,0.98269362149275952,0.98302501899175876,0.98334994211543059,0.98366838960298875,0.98398084261012986,0.98428729996759312,0.98458779863313839,0.98488229952810291,0.98517180447530706,0.98545530967515094,0.98573385532958613,0.98600639947678681,0.98627446485992398,0.98653700942285605]
[null,"DATOS PREVISTOS EN LA JUBILACIÓN",null,null,null,null,null,null,null,null,null,null,null,null,null,null,2021,0.98609999999999998,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,0.97869626454387482,78,0.96116141121273713,0.961906954541773,0.96263747213887396,0.96335445874741887,0.9640574336659169,0.96474688655846941,0.96542336794080774,0.96608681830806509,0.966737270359732,0.96737524231342509,0.9680011892852759,0.96861566035023017,0.96921762211201723,0.96980807722234996,0.97038705755949195,0.97095501684354435,0.97151298936311903,0.97205896989821239,0.97259544883009419,0.97312142333754059,0.97363689312955759,0.97414289255327813,0.97463887203717314,0.9751253485801632,0.97560235382439142,0.97607082626688391,0.97652982672101751,0.97697980823807573,0.9774218053375292,0.97785478278312543,0.97827977512392572,0.97869626454387482,0.9791052536582201,0.97950674215479194,0.97989972668909697,0.98028520992983459,0.98066367710267488,0.9810346743361994,0.98139865489754152,0.98175561850123516,0.98210559681824006,0.9824490751536209,0.98278602129739701,0.98311598131667188,0.98343995812870633,0.98375791955961001,0.98406986538329488,0.98437530970870524,0.98467525555699009,0.98496921704112939]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,2022,0.98150000000000004,null,null,null,null,null,null,null,null,null,null,null,null,null,"Edad jubilación según datos introducidos por el usuario",{"$f":"C28+D28/12","v":67},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0.97633783520184769,79,0.95670930104857987,0.95754220392194145,0.95835921750758146,0.95916128934833211,0.95994784072779926,0.96071981777804982,0.96147617693442589,0.96221936514021222,0.96294786605100657,0.96366213759143904,0.96436318489077655,0.96505095830119425,0.96572495398768099,0.96638664138601937,0.96703500593906855,0.96767106356014909,0.96829577421481627,0.9689076125029249,0.96950811227804257,0.97009675011288854,0.97067449019108187,0.9712408390589129,0.9717963043591189,0.97234087969083693,0.97287501755827877,0.97339928313128654,0.9739131009328631,0.97441700867650793,0.97491148861473043,0.97539604987448125,0.97587166219665311,0.97633783520184769,0.97679507985815661,0.97724387993452022,0.97768371808799615,0.97811461872158534,0.97853806782465969,0.97895254697216216,0.97935956978174243,0.97975864663123879,0.98014974838561231,0.98053338735675044,0.98091056346452177,0.98127927114970903,0.98164099810707783,0.98199576931120247,0.98234455859323,0.98268587473324898,0.98302071827986826,0.98334857361007544]
[null,null,"Años","Meses",null,null,null,null,null,null,null,null,null,null,null,null,2023,0.97689999999999999,null,null,null,null,null,null,null,null,null,null,null,null,null,"Años enteros de prolongación de la vida laboral para el cálculo de los incentivos",{"$f":"IF(AD48=2,AD54,0)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0.97359823382597832,80,0.95156951443977766,0.95250580815781505,0.95342378152915996,0.9543248047307481,0.95520832379954845,0.95607528248869789,0.95692511927737622,0.95775933800296509,0.95857736169848806,0.95937967569969207,0.96016674110781264,0.96093856337128036,0.96169509510881512,0.96243783413103956,0.9631657636459473,0.96387935669813851,0.96458011590995474,0.96526702838041167,0.96594057116709453,0.96660073479894315,0.96724853767501728,0.96788394597454519,0.9685069523639267,0.96911755001088817,0.96971675912798738,0.9703040355703888,0.97088040042304247,0.97144533526616472,0.97199983735915763,0.972542900153193,0.97307554515809636,0.97359823382597832,0.97411047324453415,0.97461326218439137,0.97510610768763106,0.97558898352041301,0.97606291203008078,0.97652737770547893,0.9769833803977781,0.97743040522618463,0.97786847205789862,0.97829806871795388,0.97871970528920726,0.97913284564636383,0.97953802187748851,0.979935210487484,0.98032494320935526,0.98070717564714349,0.98108192756731427,0.98144919738267689]
[null,"Edad de Jubilación prevista",{"$f":"MAX(INT(AC73),INT(R9/12))","v":67},{"$f":"MOD(MAX(AC73*12,R9),12)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,2024,0.97289999999999999,null,null,null,null,null,null,null,null,null,null,null,null,null,"Trimestres enteros de anticipación para el cálculo del coeficiente reductor",{"$f":"IF(AD48=1,AD52,0)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0.9704419208228563,81,0.94569928591169405,0.94675931569291227,0.9477968445379763,0.94881405943705777,0.94981057361592103,0.95078797122590719,0.95174537101921386,0.95268429383224029,0.95360434644393466,0.95450606274005734,0.95539048291103812,0.9562576149739922,0.95710703730206936,0.95794074250173988,0.95875727508612518,0.95955813783373767,0.96034337863625951,0.96111347097169209,0.9618684586587305,0.96260835565076253,0.96333414369514303,0.96404586169590645,0.96474351990993557,0.96542761252453979,0.96609814834201324,0.96675564655460755,0.96740059933963995,0.96803301346258641,0.96865340593937077,0.96926127157282771,0.96985710116568491,0.9704419208228563,0.97101473888967738,0.97157704093985275,0.97212832075873223,0.97266860652705767,0.97319887319453902,0.9737181523041365,0.97422792842425499,0.97472771824842197,0.97521750077448399,0.97569827440623591,0.97616906911782975,0.97663136887615665,0.97708418008894937,0.97752850031293137,0.97796382230284995,0.97839116596034059,0.97881002378496718,0.97922088400414664]
[null,"Edad mínima de jubilación",{"$f":"IF(OR(Año=0,AND(Años_cotizados=0,Meses_cotizados=0)=TRUE)=TRUE,\"\",IFERROR(INT(AC73),\"\"))","v":""},{"$f":"IF(OR(Año=0,AND(Años_cotizados=0,Meses_cotizados=0)=TRUE)=TRUE,\"\",IFERROR((AC73-C29)*12,\"\"))","v":""},null,null,null,null,null,null,null,null,null,null,null,null,2025,0.96899999999999997,null,null,null,"COMUNIDAD AUTÓNOMA",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0.9659063998345172,82,0.93833268778304491,0.93949789468034572,0.9406408224719206,0.94176237452206568,0.94286295699305656,0.94394402335944061,0.94500351524882376,0.94604439285304875,0.94706558495369497,0.94806708774141968,0.94904987382809769,0.95001491967519691,0.95096068378727983,0.95188966680418552,0.95280033191611635,0.95369466845582729,0.95457117103684785,0.95543231962715924,0.95627661094533145,0.95710452131784773,0.95791755862662942,0.95871519811151651,0.95949743087067008,0.96026525213684188,0.96101816537777385,0.96175714114392374,0.9624821984580032,0.9631933307209487,0.96389102116946201,0.96457575389827777,0.96524754852746852,0.9659063998345172,0.96655276878243801,0.96718669932560031,0.96780916720715904,0.96841965470923519,0.96901869545599173,0.96960623911502686,0.97018281945174589,0.97074791940349225,0.9713025403242771,0.97184768386913922,0.97238133823331829,0.97290550985631907,0.97341919161502366,0.97392338572484372,0.97441808989869105,0.9749037935730458,0.97537951140422297,0.97584673775241537]
[null,"Edad legal de jubilación",{"$f":"IF(OR(Año=0,AND(Años_cotizados=0,Meses_cotizados=0)=TRUE)=TRUE,\"\",IFERROR(INT(AC74),\"\"))","v":""},{"$f":"IF(OR(Año=0,AND(Años_cotizados=0,Meses_cotizados=0)=TRUE)=TRUE,\"\",IFERROR((AC74-C30)*12,\"\"))","v":""},null,null,null,null,null,null,null,null,null,null,null,null,2026,0.96509999999999996,null,null,null,null,null,null,null,null,null,null,null,null,null,"Años cotizados según datos introducidos por el usuario",{"$f":"AC66","v":28.916666666666668},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0.96096992854271757,83,0.93102619976585965,0.93227723976081334,0.93350549354414769,0.93471227622501152,0.93589748075430346,0.93706248148778193,0.93820567187067272,0.93932900335447778,0.94043240974820563,0.94151580815633262,0.94257966394206938,0.9436244478211917,0.94465009739917494,0.94565760587943992,0.94664643097527057,0.94761806034478124,0.94857193519691629,0.94950859227236462,0.9504284567012472,0.95133104366518628,0.95221733843470047,0.95308830721465532,0.95394295560637732,0.95478227273892269,0.95560622719786303,0.95641533884340646,0.95721006982575196,0.95798942766841533,0.95875539005698185,0.95950747507850287,0.96024565690253871,0.96096992854271757,0.96168179586155256,0.96238023315425192,0.9630662540116649,0.96373985257538197,0.96440100772027382,0.96505023938074475,0.96568752713955386,0.96631286662257621,0.96692725681463121,0.96753070801186425,0.96812269325762557,0.96870422628413566,0.96927479500692448,0.96983539957845755,0.97038554170721258,0.97092622158801578,0.9714564201717667,0.97197665514909648]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,2027,0.96120000000000005,null,null,1,"Andalucía",null,null,null,null,null,null,null,null,null,"Meses cotizados por encima 15 años para el cálculo de la tasa de sustitución base",{"$f":"(AG30-15)*12","v":167},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0.95546613269562786,84,0.92333240427830754,0.92467321065228258,0.92598867861752343,0.92728059852370615,0.92854867900005855,0.92979412830705266,0.9310165815578233,0.93221764324387357,0.93339693495956222,0.93455554224010595,0.9356935417609491,0.93681100002355977,0.93790897091109993,0.93898750523501473,0.94004664792759163,0.94108743447828846,0.94211041046988897,0.94311458724117792,0.94410200879139294,0.9450711955155997,0.94602365224268181,0.94695993237527232,0.94787952304719869,0.94878295107405608,0.94967122765242085,0.95054288581626656,0.95140041564344924,0.95224184005790258,0.95306966783665448,0.953882407263411,0.95468155080667616,0.95546613269562786,0.95623715580389179,0.95699511584280894,0.95774002037908879,0.95847138817674804,0.95919070838095066,0.959896992819117,0.96059075301263119,0.96127297179249016,0.96194318202872098,0.96260186089712585,0.96324853993310233,0.96388469076252614,0.96450933893576163,0.96512397164775621,0.9657271087993019,0.96632023738985973,0.96690287081138027,0.96747499790854852]
[null,"Pensión pública de jubilación",null,null,{"$f":"IF($R$10=TRUE,\"Importe de la pensión\",\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,2028,0.95730000000000004,null,null,2,"Aragón",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0.94798245276005877,85,0.91405371878794828,0.91543399017707949,0.91679248077283293,0.91812968000976514,0.91944508288622862,0.92073915284959262,0.92201235734027998,0.92326571608826491,0.92449870153152369,0.92571181973008965,0.92690554554757643,0.92808035575850767,0.92923579103590315,0.93037281338256228,0.9314919024182382,0.93259259873219369,0.93367586725193075,0.93474121876861826,0.9357901343946935,0.93682161133409658,0.93783667387886072,0.93883529094315199,0.93981845974712297,0.940785204709635,0.94173700915239222,0.94267284491212289,0.94359424852599061,0.9445001921961067,0.94539218646813983,0.94626922932316626,0.94713331871221818,0.94798245276005877,0.94881811790429316,0.94964033604100317,0.95044959366082948,0.95124537782763097,0.95202870984102894,0.95279956583171466,0.95355745553933635,0.9543038886289319,0.95503784199483621,0.95576033590579301,0.95647083767744401,0.95716989791263818,0.95785796426855174,0.95853507608916799,0.95920119237405832,0.9598568420658532,0.96050151400578798,0.96113571688239796]
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[null,"Nivel de gastos iniciales en la jubilación (€ actuales al mes)",{"$f":"SUM(C40:C43)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,2033,0.94059999999999999,null,null,7,"Castilla y León",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,0.89385787077195522,90,0.85105643659510388,0.85265492637345686,0.85423866554245964,0.85580858135448989,0.85736371860338356,0.8589041301545125,0.86042953947277689,0.86194068205190244,0.86343581274754067,0.86491678040331288,0.86638238202776607,0.86783299368403666,0.86926897470329323,0.8706902484720449,0.87209668457831557,0.87348819716428794,0.87486522575455927,0.87622821623256009,0.87757656025308606,0.87891123332964782,0.88023117945230334,0.88153735418794943,0.88282971355683981,0.88410870698036192,0.88537329400320508,0.88662446788457761,0.88786317787977898,0.88908789913168851,0.89030010028092699,0.89149877151444579,0.89268436076842494,0.89385787077195522,0.89501878650967426,0.89616655805961465,0.89730220674471495,0.89842568057415517,0.8995374748606646,0.90063658340325536,0.90172398136420329,0.90279965504646664,0.90386410095121839,0.90491680901232963,0.90595775379499177,0.90698793036677461,0.90800632166805295,0.9090139340456671,0.91001074655286385,0.91099725782484797,0.91197245140440863,0.91293731673115752]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,2056,0.89180000000000004,null,null,null,{"$f":"IF($R$8=$V$57,$W$56,VLOOKUP($R$8,$V$54:$W$56,2,0))","v":4.4999999999999998E-2},{"$f":"IF($R$8=$V$57,$W$55,VLOOKUP($R$8,$V$54:$W$56,2,0))","v":0.03},{"$f":"IF($R$8=$V$57,$W$54,VLOOKUP($R$8,$V$54:$W$56,2,0))","v":1.4999999999999999E-2},null,null,null,"Fecha nacimiento",{"$f":"IFERROR(DATE(Año,Mes,Día),DATE(1976,1,1))","v":"1980-01-01"},{"$f":"YEARFRAC(AC60,TODAY())","v":38.080555555555556},"¿Edad legal = 65?","Fecha","Edad","Cotizados",null,10,"Comunitat Valenciana",306.69101198268817,370.70136615991845,104.26363260431872,265.1821903210419,20935.41,null,null,null,null,null,null,null,null,null,70,0.9925066531561606,0.99263131243796876,0.99275432303348687,0.99287460919823045,0.99299365183430643,0.99311090616771591,0.99322634429888623,0.99333994993541752,0.99345169525345778,0.99356156341535207,0.99366953989386675,0.99377612192184894,0.9938807883608316,0.993983533875612,0.99408485017975767,0.99418473409351382,0.99428266904175466,0.9943791581188316,0.99447368621687193,0.99456675738288958,0.99465887378970219,0.99474901534510818,0.9948376870566954,0.99492488396172207,0.99501060421329579,0.99509484450831842,0.99517811009884671,0.99525938158852356,0.99533916500482966,0.99541796670864213,0.99549578486616397,0.99557160017804069,0.99564693668497561,0.99572026667418656,0.99579260632386779,0.99586395431007857,0.99593379933820603,0.99600264996763455,0.99606999474312274,0.99613685315941847,0.99620220338600229,0.99626655482893034,0.99632990659383602,0.99639174677942699,0.9964530965393088,0.99651293287111453,0.99657176609028386,0.9966306146148094,0.99668743961405482,0.99674376694965527]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,2057,0.89039999999999997,null,null,null,null,null,null,null,null,null,"Fecha inicio cotización",{"$f":"EDATE(TODAY(),-Años_cotizados*12-Meses_cotizados)","v":"2018-01-30"},null,{"$f":"IF(OR(AH61>=VLOOKUP(MAX(AM4-1,YEAR(AF61)),Transitorio,4),AG61>=VLOOKUP(MAX(AM4-1,YEAR(AF61)),Transitorio,3))=TRUE,\"si\",\"no\")","v":"no"},{"$f":"EDATE(AC62,1)","v":"2045-02-01"},{"$f":"YEARFRAC($AC$60,AF61)","v":65.083333333333329},{"$f":"INT(YEARFRAC($AC$61,AF61)*12)/12","v":27},null,11,"Extremadura",260.05145311053076,314.32753218534918,88.407902761969737,224.85502097437703,19564.490000000002,null,null,null,null,null,null,null,null,null,71,0.99192685149536386,0.99207675164732523,0.99222373440263167,0.99236729764207676,0.9925089212060294,0.99264810484525456,0.99278434750677524,0.99291813881591207,0.99304947701718993,0.99317835861970782,0.99330527767800714,0.99342923758164103,0.99355123045001381,0.99367076033736301,0.99378831744337504,0.99390390357367742,0.9940170189850821,0.99412816126578663,0.994236830352908,0.99434352453655928,0.99444873616193052,0.99455197140528939,0.9946532298361026,0.99475250276671878,0.99484979729636747,0.9949456140481352,0.99503944270561584,0.99513179304263832,0.99522166238641996,0.99531054439628053,0.99539743515303358,0.99548284678174115,0.99556727018662761,0.99564921009367324,0.99573016115524249,0.99580962055649469,0.99588709780471751,0.99596358555034259,0.99603809094196039,0.99611209610483242,0.99618411844763777,0.99625515065014536,0.99632468892870141,0.99639274774929365,0.99645980102379617,0.99652537472785785,0.99658995771756465,0.99665353397156164,0.99671563065019453,0.99677673623185992]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,2058,0.88900000000000001,null,null,null,null,null,null,null,null,null,"Fecha 65 años",{"$f":"EDATE($AC$60,65*12)","v":"2045-01-01"},"¿Edad legal = 65?","no",{"$f":"EDATE(AF61,1)","v":"2045-03-01"},65.166666666666671,{"$f":"INT(YEARFRAC($AC$61,AF62)*12)/12","v":27.083333333333332},null,12,"Galicia",278.01870220576666,336.04477698714823,94.516104780885456,240.39050875511245,20624.55,null,null,null,null,null,null,null,null,null,72,0.99081271824789141,0.99099746662547206,0.99117821793415861,0.99135496063242701,0.99152870827505224,0.9916989562168157,0.99186520132048472,0.99202845342975088,0.99218820856272905,0.99234496233933989,0.99249921889139536,0.99264898215427944,0.99279674454759104,0.99294151460976854,0.99308278999308719,0.993222065380992,0.99335784665660554,0.99349113172933967,0.9936214199412059,0.99374970971489585,0.99387500614352176,0.99399780636824575,0.99411860831260768,0.99423641469364998,0.99435172520082693,0.99446553728683984,0.99457635425733271,0.99468517380561872,0.99479199644949612,0.99489632232844427,0.99499865224164397,0.99509898420137,0.9951973175048715,0.9952936559439447,0.99538799560253632,0.99548083874998361,0.99557118553229074,0.99566003310557094,0.99574688440124348,0.99583223630011797,0.99591609276982229,0.99599794903362882,0.99607831019988846,0.99615717182695318,0.99623403768938412,0.99630940381880173,0.99638377142110113,0.9964561434520014,0.99652701555529055,0.99659688926091372]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,2059,0.88780000000000003,null,null,null,null,null,null,null,null,null,"Cotizados con 65 años",{"$f":"INT(YEARFRAC($AC$61,AC62)*12)/12","v":26.916666666666668},{"$f":"IF(AC63>=VLOOKUP(MAX(AM4-1,YEAR(AC62)),Transitorio,4),\"si\",\"no\")","v":"no"},"no",{"$f":"EDATE(AF62,1)","v":"2045-04-01"},65.25,27.166666666666668,null,13,"Madrid (Comunidad de)",391.00351468175552,472.61097131218924,132.92677388301522,338.08349249043675,26448.04,null,null,null,null,null,null,null,null,null,73,0.98972671015235225,0.98994934937235757,0.99016634091912581,0.99037829407524836,0.99058577283873483,0.99078835993988557,0.99098611002732628,0.99117955194446428,0.99136824147991287,0.99155319994032531,0.99173445515403313,0.9919110223600649,0.99208395419140238,0.99225322633513602,0.99241837324322979,0.99258041736814706,0.99273836475049471,0.99289321377218931,0.99304497517101786,0.99319319590267607,0.99333832761887497,0.99347991588520357,0.99361895291204205,0.99375494320130842,0.99388741050280682,0.99401782749697942,0.99414473259610492,0.99426909615953418,0.99439144232814991,0.99451027214028265,0.99462709230564605,0.99474138737479068,0.99485267850697723,0.99496245223453961,0.99506922828970168,0.9951740097524453,0.99527676418003852,0.99537654656319052,0.99547480673269229,0.99557058187490477,0.99566485587978559,0.99575663196941722,0.99584691053566721,0.99593519406302167,0.99602148426923309,0.99610578279596951,0.99618858983350611,0.99626940804925834,0.99634823889077651,0.99642558204631992]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,2060,0.88660000000000005,null,null,null,null,null,null,null,null,null,"Fecha 67 años",{"$f":"EDATE($AC$60,67*12)","v":"2047-01-01"},null,"no","2045-05-01",65.333333333333329,27.25,null,14,"Murcia (Región de)",281.76377249411956,340.57149155658499,95.789290552120946,243.62870584328707,20928.98,null,null,null,null,null,null,null,null,null,74,0.9882479804372748,0.98849870494637171,0.98874389396184226,0.9889844585819072,0.98922036897293975,0.98945155382276351,0.98967748410308287,0.98989913615717717,0.99011547461723259,0.99032797683658202,0.99053563923719079,0.99073893633576815,0.9909378283476471,0.99113284368128163,0.99132345333717387,0.99151013942246324,0.99169239965383571,0.99187172864439277,0.99204663949305871,0.99221757031941693,0.99238557322136645,0.99254960804895442,0.99271018668350652,0.99286730422651115,0.99302093278522974,0.99317160895820622,0.99331829426546403,0.99346251382683159,0.99360374721060485,0.993741497075182,0.99387625487125753,0.99400853536648204,0.99413781878501184,0.99426462020684792,0.99438842009811756,0.99450921640117629,0.99462804199310473,0.99474383787177978,0.99485716450959083,0.99496797559227623,0.99507678719438819,0.99518310268325783,0.99528692062662472,0.99538923062630502,0.99548854511762785,0.99558634949513414,0.99568165157693023,0.99577494594488369,0.99586623166868393,0.9959550119894629]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Fecha jubilación",{"$f":"EDATE($AC$60,Años_edad_jubilación*12+Meses_edad_jubilación)","v":"2047-01-01"},{"$f":"YEARFRAC(AC65,AC60)","v":67},"no","2045-06-01",65.416666666666671,27.333333333333332,null,15,"Navarra (Comunidad foral)",377.22755595895745,455.95979302792909,128.24345600630105,326.17202862239856,24863.98,null,null,null,null,null,null,null,null,null,75,0.9868981181785631,0.98719699186779486,0.98748798785131642,0.98777233908984019,0.98804923509330245,0.98831932622486296,0.98858269215574757,0.98883993872009734,0.98909063977455003,0.98933635286705146,0.98957518126114929,0.98980862684982074,0.99003724293770468,0.99026009273875248,0.9904776818780332,0.99069008092068067,0.99089774874790582,0.99110125630218793,0.99129910589999948,0.99149330718615536,0.99168243679442902,0.99186791488000858,0.99204882224815927,0.99222517387519238,0.99239842316715299,0.99256714246152178,0.99273227641044459,0.99289340864679121,0.99305148132177223,0.99320553145697088,0.99335607335005482,0.99350358043706088,0.99364759435499317,0.99378858734024356,0.99392610052885,0.99406060511455197,0.99419210661899582,0.99432111526333489,0.99444616144750686,0.9945691889245496,0.99468973731886667,0.99480730598730782,0.99492189900230321,0.99503452936520864,0.99514415065487105,0.99525181592020118,0.99535651946137127,0.99545923223746879,0.9955599568603104,0.99565772849464962]
[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,"Cotizados en la fecha de jubilación",{"$f":"INT(YEARFRAC($AC$61,AC65)*12)/12","v":28.916666666666668},null,"no","2045-07-01",65.5,27.416666666666668,null,16,"País vasco",395.44535378254164,477.97987929641437,134.4368353520419,341.92415483715916,27571.31,null,null,null,null,null,null,null,null,null,76,0.98484677829658884,0.98517697455214759,0.98550002040335771,0.9858168285474127,0.98612683615003882,0.9864295362891381,0.98672590944117289,0.98701593553500577,0.98730007350566817,0.98757788597930651,0.98784925328993989,0.98811522315879063,0.98837578617891886,0.98862992809638495,0.98887864715225859,0.98912188019088754,0.98936020852380224,0.98959309567133258,0.98982101113730347,0.99004448234251197,0.99026196628728014,0.99047553076092609,0.99068410734595258,0.99088769247801656,0.99108782320300748,0.9912829566199588,0.99147415716098086,0.9916608289336174,0.99184356374163196,0.99202277254828641,0.99219750662770079,0.99236829878143806,0.99253555927494874,0.99269934795730796,0.99285960152287145,0.99301590765830416,0.99316921094035004,0.9933190374699401,0.9934653233329509,0.99360866576986673,0.99374900095727203,0.99388585548591912,0.99402017315109292,0.9941510083323748,0.99427936874016143,0.99440518956497992,0.99452752568454561,0.9946473850622225,0.99476523916556259,0.99488007868472828]
[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,"no","2045-08-01",65.583333333333329,27.5,null,17,"Rioja (la)",299.85617179657805,362.44000702162475,101.94003902566487,259.27240548799546,21756.79,null,null,null,null,null,null,null,null,null,77,0.98249247327418443,0.98286790787121059,0.98323524502619719,0.98359538896227416,0.98394871286487817,0.9842941179774487,0.98463253603059342,0.98496390368882292,0.98528917596373422,0.98560628920857496,0.98591770666542489,0.9862224235789,0.98652089512518581,0.98681208447378621,0.9870974633549795,0.9873775357479474,0.98765127231783545,0.98791865577754101,0.9881806817631259,0.98843733655303201,0.98868808201630243,0.98893343197952388,0.98917386214402225,0.98940887655964427,0.98963899217896145,0.9898641612524276,0.99008437611395328,0.99029966931012436,0.99051048120808116,0.99071737199220566,0.99091879629924462,0.99111620899135322,0.99130919796000472,0.99149820568369362,0.99168375481862381,0.99186430043535567,0.99204137962454531,0.99221446180191453,0.99238407075019797,0.99254967607187528,0.99271228934075917,0.99287040569892093,0.99302605204168903,0.99317768350281399,0.99332631262201887,0.99347197739161008,0.99361362017351318,0.99375274175619344,0.99388889291940341,0.99402203158902891]
[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,"Fecha","Edad","Cotizados","no","2045-09-01",65.666666666666671,27.583333333333332,null,18,"Ceuta",272.59751307068382,329.49211603502363,92.673100420879265,235.70304563158581,21381.03,null,null,null,null,null,null,null,null,null,78,0.97981188255100915,0.98025412949235091,0.98068571979215236,0.98110772472223606,0.98152025202742288,0.98192333683452615,0.98231706122207929,0.98270244147434893,0.98307954373170969,0.98344785627474096,0.9838084647974743,0.98416084963046924,0.98450506042781005,0.98484205829319904,0.98517143094486115,0.98549416389619793,0.98580927011444286,0.98611773239269707,0.98641910392623311,0.98671387959054602,0.98700255334311038,0.98728464735653021,0.98756116779183134,0.98783112190489608,0.9880950011454176,0.98835380986466803,0.98860658211092278,0.98885329460699023,0.9890954636296001,0.98933209437865932,0.98956316281418955,0.98979021170953285,0.99001121960602212,0.99022770095974322,0.99044014378894818,0.99064706712833972,0.99084995695653744,0.99104833020988514,0.99124218902785222,0.99143202071377534,0.9916183397690137,0.99179963748316868,0.99197742601145922,0.99215167962107642,0.99232194181384137,0.99248818680982698,0.99265041603070958,0.99281014065750128,0.99296585199644971,0.99311806353233145]
[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,"Edad legal según cuadro a continuación",{"$f":"IF(AD63=\"si\",AC62,IFERROR(VLOOKUP(\"si\",$AE$61:$AH$84,2,0),AC64))","v":"2047-01-01"},{"$f":"YEARFRAC($AC$60,AB69)","v":67},{"$f":"INT(YEARFRAC($AC$61,AB69)*12)/12","v":28.916666666666668},"no","2045-10-01",65.75,27.666666666666668,null,19,"Melilla",272.59751307068382,329.49211603502363,92.673100420879265,235.70304563158581,21381.03,null,null,null,null,null,null,null,null,null,79,0.97655914915173136,0.97704916206120962,0.9775291729347273,0.9780000615051555,0.97846119633275119,0.9789134836616058,0.97935633032212155,0.97979020726271182,0.9802150333338302,0.98063176370601546,0.98103935265054987,0.9814387675687658,0.98182946250809955,0.98221295129065678,0.982587666629824,0.98295510510093143,0.98331473272642134,0.98366706861695596,0.98401155914019434,0.98434919517177366,0.98467949444403724,0.98500340526522578,0.9853204473345003,0.98563009572765625,0.98593383922524214,0.98623169146423706,0.98652261553644383,0.98680761062571309,0.98708669169407914,0.98735933763199646,0.98762704217571928,0.98788881419203922,0.98814511963716078,0.98839597514151034,0.98864189047236539,0.98888183217182468,0.98911731837278105,0.98934783080585131,0.98957336588364497,0.98979394111653485,0.99001004675637638,0.99022165895199687,0.99042830182181907,0.99063147484461977,0.99083014636832345,0.99102433453963168,0.99121403689192433,0.9914002599590529,0.99158248704638374,0.99176071617042472]
[null,"HIPÓTESIS DE CÁLCULO",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Edad mínima según edad legal",{"$f":"EDATE(AB69,-48)","v":"2043-01-01"},{"$f":"YEARFRAC($AC$60,AB70)","v":63},{"$f":"INT(YEARFRAC($AC$61,AB70)*12)/12","v":24.916666666666668},"no","2045-11-01",65.833333333333329,27.75,null,null,"Media España",316.27046574108073,382.28017498233788,107.52029356988845,273.4651214487173,23106.3,null,null,null,null,null,null,null,null,null,80,0.9726887000104294,0.9732628388122192,0.97382474612527736,0.97437454050497396,0.97491183323415842,0.97543817969969537,0.97595315960239537,0.97645679953615627,0.97694965504244435,0.9774322743716094,0.97790466435998979,0.97836687943810074,0.97881894430009619,0.97926184885426559,0.97969561260163807,0.98011979345981748,0.98053537475193708,0.98094186145992779,0.98133977475540168,0.98173011847275449,0.98211091719167043,0.98248515805294445,0.98285037957405541,0.98320804301889564,0.98355868669452706,0.98390180901892921,0.9842379005748777,0.98456698967225831,0.98488905853483444,0.9852036272507636,0.9855126840993973,0.98581473400360697,0.98611079477787911,0.98640036281174004,0.98668392634991264,0.98696148858043442,0.98723355904806542,0.98749965526676153,0.98776074977710893,0.98801536843725213,0.98826499010920688,0.98851012307604247,0.98874927184520711,0.98898393570328635,0.98921363101002946,0.98943833872393527,0.98965854587732727,0.98987378914160928,0.99008455516832883,0.99029133065170605]
[null,null,null,"Hasta qué edad si se elige perfil decreciente",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Fecha 15 cotizados",{"$f":"EDATE($AC$61,180)","v":"2033-01-30"},null,null,"no","2045-12-01",65.916666666666671,27.833333333333332,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,81,0.96811168026019212,0.96875472178192368,0.96938563833617586,0.97000348366890032,0.97060872467854675,0.9712014400532355,0.97178257471726581,0.97235168661119675,0.97290926654469712,0.9734558043267092,0.97399133751826417,0.97451583820344334,0.97502931027635886,0.97553278884177541,0.97602676049657977,0.97650971210761384,0.97698364547905792,0.97744759438426188,0.97790204443275852,0.97834799683146934,0.97878442173471203,0.97921238270167543,0.97963130276301458,0.98004176060134218,0.98044421023399064,0.9808386524642323,0.98122511874861673,0.98160357882464599,0.98197454848664256,0.98233751297377658,0.98269350302432446,0.98304248852347931,0.98338446987672423,0.98371896258857439,0.98404745165676699,0.98436896751371972,0.98468448017345134,0.9849929899962705,0.9852955269097442,0.98559154637860413,0.98588207827509,0.98616663752324629,0.98644567976378883,0.98671923471837963,0.9869863024983585,0.98724885367079607,0.98750594709016648,0.987757524138688,0.98800409956931279,0.988246188023157]
[null,"Rentabilidad del ahorro",null,null,null,null,null,null,null,null,null,null,null,null,null,"RESULTADOS INTERMEDIOS",null,null,null,null,null,null,null,null,null,null,"Fecha 33 cotizados",{"$f":"EDATE($AC$61,33*12)","v":"2051-01-30"},null,null,"no","2046-01-01",66,27.916666666666668,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,82,0.96326915595476625,0.96397832731837985,0.96467465823800891,0.96535709930357738,0.96602715377476656,0.9666832937846952,0.96732754291106304,0.9679588605183056,0.96857824029895445,0.96918570804784432,0.96978171119930734,0.97036579216507313,0.97093891585884984,0.97150059384564691,0.97205182336626061,0.97259208543517017,0.97312240886428036,0.97364175934316211,0.97415113543421672,0.97465105066984892,0.97514150294077917,0.97562197473036805,0.97609398083670573,0.9765560030706335,0.97700907067196485,0.97745415346060815,0.97789024906495192,0.97831787149443239,0.97873701943047342,0.97914817767440865,0.97955134521969367,0.97994654998274089,0.98033476324223767,0.98071498285870218,0.98108823789297317,0.98145349744958876,0.9818127635222329,0.98216454749246029,0.98250933513732941,0.9828471538898681,0.98317946306968973,0.98350428720218408,0.98382362857035544,0.98413648502154683,0.98444331520287676,0.9847442015894099,0.98503906075191439,0.98532843439967288,0.98561232199925641,0.98589072303212399]
[null,"Perfil conservador",1.4999999999999999E-2,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Edad mínima efectiva",{"$f":"MAX(AB71,MIN(AB69,MAX(AB70:AB72)))","v":"2047-01-01"},{"$f":"IFERROR(ROUNDUP(YEARFRAC($AC$60,AB73)*12,0)/12,67)","v":67},{"$f":"INT(YEARFRAC($AC$61,AB73)*12)/12","v":28.916666666666668},"no","2046-02-01",66.083333333333329,28,null,null,"Vivienda",{"$f":"ROUND(VLOOKUP($R$5,$AK$51:$AO$70,2,0)*AR76/10,0)*10","v":0},null,null,null,null,"Salario medio",{"$f":"ROUND(VLOOKUP(R5,AK51:AP70,6,0)/100,0)*100","v":23100},null,null,null,null,null,null,null,83,0.95729366876445299,0.95809057725446711,0.95887248747650311,0.9596389975886801,0.9603916536711542,0.96112999258611309,0.96185408972058439,0.96256446377600435,0.96326165990678769,0.96394567147638632,0.96461706714305784,0.96527531870959071,0.96592195568693218,0.96655599399885217,0.96717796077453133,0.96778883385125503,0.9683881394902456,0.9689758863168868,0.96955259641178992,0.97011876023870447,0.97067486780675971,0.97121995709277831,0.97175551494482781,0.97228054789606555,0.97279554417925929,0.97330153551776399,0.97379801134958244,0.9742849748343243,0.9747629131508091,0.97523185840830073,0.97569229725980788,0.97614371845668091,0.97658763559840644,0.97702256812777777,0.9774494868464797,0.97786839355156174,0.97828031632308354,0.97868374537480185,0.97907967990873113,0.9794680929259052,0.97985003996141939,0.9802239829541235,0.98059191873884888,0.98095188053287641,0.9813063497856469,0.98165330395989314,0.98199428220215201,0.982328772427565,0.98265726049644819,0.98297926192524598]
[null,"Perfil moderado",0.03,55,"años",null,null,null,null,null,null,null,null,null,null,null,null,"Fecha actual",{"$f":"TODAY()","v":"2018-01-30"},"Años enteros faltan","Años faltan","Factor actuarial","Factor IRP",null,null,null,"Edad legal efectiva",{"$f":"MAX(AB71,AB69)","v":"2047-01-01"},{"$f":"IFERROR(ROUNDUP(YEARFRAC($AC$60,AB74)*12,0)/12,0)","v":67},{"$f":"INT(YEARFRAC($AC$61,AB74)*12)/12","v":28.916666666666668},"no","2046-03-01",66.166666666666671,28.083333333333332,null,null,"Necesidades básicas",{"$f":"ROUND(VLOOKUP($R$5,$AK$51:$AO$70,3,0)*AR76/10,0)*10","v":0},null,null,null,null,"Ajuste por incremento salario real",{"$f":"((1+C76)/(1+C77))^U75","v":1.3259917278506286},null,null,null,null,null,null,null,84,0.94999690237341461,0.9508754036092133,0.95173935188025849,0.95258851081447937,0.95342375019170977,0.95424542190855921,0.95505241273222252,0.9558456323842367,0.95662548870882291,0.95739194457199861,0.95814491176730254,0.95888485626021613,0.959612249902559,0.96032653669486112,0.96102865719662522,0.96171863741534347,0.96239642063588482,0.96306246995002986,0.96371676285817176,0.96435930603585773,0.96499157395405211,0.96561153939729027,0.96622168567811739,0.96682001443075805,0.96740849611866442,0.96798662884937969,0.96855440092288136,0.96911229155706524,0.9696603161595333,0.97019843993178045,0.97072716965315364,0.97124649704021482,0.97175742047212466,0.97225841126541079,0.97275049297255067,0.97323464138796389,0.97370986796660974,0.97417663457956882,0.97463495957490442,0.97508535267422347,0.97552827763991423,0.97596225423737115,0.97638978371715479,0.97680882538075131,0.97722091977943271,0.97762554819475456,0.97802319953018502,0.97841337782168525,0.97879708708429802,0.97917380961761236]
[null,"Perfil agresivo",4.4999999999999998E-2,45,"años",null,null,null,null,null,null,null,null,null,null,null,null,"Fecha de jubilación",{"$f":"AC65","v":"2047-01-01"},{"$f":"YEAR(S75)-YEAR(S74)","v":29},{"$f":"YEARFRAC(S74,S75,1)","v":28.921237565026921},{"$f":"(1-$AG$26+INT($AG$26))*VLOOKUP(INT($AG$26),$V$5:W$24,2)+($AG$26-INT($AG$26))*VLOOKUP(INT($AG$26)+1,$V$5:W$24,2)","v":22.9063663234976},{"$f":"(1-$AG$26+INT($AG$26))*VLOOKUP(INT($AG$26),$V$5:X$24,3)+($AG$26-INT($AG$26))*VLOOKUP(INT($AG$26)+1,$V$5:X$24,3)","v":18.659906282661133},null,null,null,null,null,null,null,"no","2046-04-01",66.25,28.166666666666668,null,null,"Salud",{"$f":"ROUND(VLOOKUP($R$5,$AK$51:$AO$70,4,0)*AR76/10,0)*10","v":0},null,null,null,null,"Ajuste por salario relativo",{"$f":"(Ingresos/AR73)^0.5","v":0},null,null,null,null,null,null,null,85,0.94216108129375509,0.94316204916382029,0.94414392849362927,0.94510837387614,0.94605552497172951,0.94698600881243655,0.94789988768254996,0.94879726974732415,0.94967969970611277,0.95054623656249226,0.9513974405679525,0.95223432000307229,0.95305594308235364,0.95386330891852344,0.95465698475127914,0.95543645516213238,0.95620225369547207,0.95695539548285691,0.95769541294752769,0.95842229528244949,0.95913659327045175,0.9598382680917823,0.9605288630898281,0.96120637238802331,0.96187282157551446,0.96252770909890839,0.96317104300018574,0.96380334020495795,0.96442506969378383,0.96503577552229414,0.96563594932495522,0.96622559646145589,0.9668057171274016,0.96737532069588672,0.96793489811567335,0.96848547055785061,0.96902602478173816,0.96955758095327782,0.9700796339263773,0.97059267386184755,0.97109771951529178,0.97159325012739184,0.97208079157740968,0.97255983841117621,0.97303039284324622,0.97349294458926761,0.97394800301661388,0.97439457511383532,0.97483365745767825,0.97526525167334444]
[null,"Crecimiento salarial",{"$f":"D76/10000","v":0.03},300,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Años","Meses",null,null,null,null,null,null,null,"Edad mínima en meses",{"$f":"AC73*12","v":804},null,"no","2046-05-01",66.333333333333329,28.25,null,null,"Ocio",{"$f":"ROUND(VLOOKUP($R$5,$AK$51:$AO$70,5,0)*AR76/10,0)*10","v":0},null,null,null,null,"Ajuste total",{"$f":"AR74*AR75","v":0},null,null,null,null,null,null,null,86,0.9329822654724178,0.93410364545352709,0.93520380682179416,0.93628460092955401,0.93734629769484901,0.93838911632101907,0.93941423211857811,0.9404208007642445,0.94141093822633548,0.94238375775333916,0.94333935211849262,0.94427931177318236,0.94520267417650905,0.94611101055817515,0.94700338099406955,0.94788082708110055,0.94874339137336872,0.94959210538878402,0.95042600988556447,0.95124612908735851,0.95205149775074382,0.9528446058026131,0.95362404140437307,0.95439074569983362,0.95514429608466422,0.95588518853677829,0.95661391784119476,0.95733002070689521,0.9580350176299357,0.95872789333615061,0.95940917381269009,0.96007887014818949,0.96073798499078655,0.96138601440646865,0.96202300211430192,0.96264991409629252,0.96326580047799604,0.96387210542502677,0.96446739910736046,0.96505363799622257,0.96562987006656475,0.96619658005604203,0.9667542525673134,0.96730241362887426,0.96784106810886994,0.96837169158420833,0.96889332974513964,0.96940595374420224,0.96991007978056576,0.97040571153512389]
[null,"IPC",{"$f":"D77/10000","v":0.02},200,null,null,null,null,null,null,null,null,null,null,null,null,null,"Años cotizados a la jubilación",{"$f":"INT(AC66)","v":28},{"$f":"(AC66-S77)*12","v":11.000000000000014},"Rentas",null,null,null,null,null,null,null,null,null,"no","2046-06-01",66.416666666666671,28.333333333333332,null,null,null,{"$f":"SUM(AL73:AL76)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,87,0.92231206616974371,0.92349759890780647,0.92466650145246698,0.9258202596993691,0.92695800353409952,0.92807990119006367,0.9291857296710514,0.93027523306762283,0.9313497546734163,0.932408615563043,0.93345119445853963,0.93447837949937251,0.93549055279544291,0.93648814495005961,0.93747006709017022,0.93843774117122336,0.93939061603078733,0.940329154444287,0.94125375659397936,0.94216392141147964,0.94306005894542588,0.94394369370188491,0.94481273704067048,0.94566920711976499,0.946512519204183,0.94734267724916976,0.94816017540738229,0.94896495685737647,0.94975800934380095,0.95053882203139839,0.95130737464105253,0.95206364808640209,0.95280912605507606,0.95354281128023799,0.95426514844588761,0.9549766737189096,0.95567682279630473,0.95636665333500859,0.95704508222303963,0.95771415114220448,0.95837182459216763,0.95901959595191677,0.95965797584079837,0.96028594210589868,0.96090397784172843,0.96151311502271519,0.96211230474140563,0.96270255226780987,0.96328335723712644,0.9638552054941405]
[null,"Crecimiento del gasto en la jubilación",{"$f":"D78/10000","v":0.02},200,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"€ de la jubilación","€ actuales","€ de la jubilación","€ actuales","€ actuales neto",null,null,null,null,null,null,null,"no","2046-07-01",66.5,28.416666666666668,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,88,0.91140309401438446,0.9127320616978386,0.91403913594206743,0.91532656553317071,0.91659353048194381,0.91784116795190718,0.91906907960989248,0.92027787783236359,0.92146911953279864,0.92264191282642483,0.9237962833921276,0.92493327771151357,0.92605345393195759,0.92715636898467069,0.92824250712576195,0.92931244256342327,0.93036617119214793,0.93140371733937555,0.93242612632160771,0.93343287625093874,0.93442452501140949,0.93540157064352281,0.93636351624691683,0.93731136941635929,0.93824516884379439,0.93916441424537922,0.94007008368596678,0.94096172816128043,0.94184083393013263,0.94270689898342619,0.94355944582013429,0.94439896586677408,0.94522696842250564,0.94604147071733913,0.94684446589696669,0.94763545027158846,0.94841445089977827,0.94918193542363305,0.94993793013701555,0.95068294613822657,0.95141597125915744,0.95213851026724494,0.95285105274665161,0.95355212092452846,0.95424271120343707,0.95492331309092582,0.9555934418397487,0.95625360589853525,0.95690427568002612,0.95754498446249225]
[null,"Revalorización de las pensiones",{"$f":"D79/10000","v":2.5000000000000001E-3},25,null,null,null,null,null,null,null,null,null,null,null,null,null,"Ingresos anuales previos a la jubilación",null,null,{"$f":"FV(C76,U75,0,-C10)","v":0},{"$f":"U79*(1+$C$77)^(-U75)","v":0},{"$f":"S122","v":{"$error":"#N/A"}},null,null,null,null,null,null,null,"no","2046-08-01",66.583333333333329,28.5,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,89,0.89795758846621032,0.89938154899446854,0.90078634048166617,0.90217189861267022,0.90353857550845651,0.90488634276828939,0.90621562186765392,0.90752636436586664,0.90881956721340795,0.91009463653701295,0.9113515798321663,0.91259185057968717,0.91381446177539161,0.91501983663593633,0.91620899267724543,0.91738139468988555,0.91853754473936566,0.91967791130883381,0.92080199841443633,0.92191079411792165,0.92300377049723814,0.92408143407937182,0.92514425946654077,0.92619226965586465,0.92722590938331362,0.92824468686781536,0.92924962617549822,0.93024017462059605,0.93121687117832352,0.93218019499289573,0.93313011162026938,0.93406664471195922,0.93499030333241251,0.93590054013500579,0.93679837958777601,0.93768381707137682,0.9385563343116301,0.93941744264323801,0.94026613658653069,0.94110290034206878,0.94192773065762525,0.9427411374842618,0.94354411905495461,0.9443351576068324,0.94511476297773511,0.94588393384320024,0.94664215487295467,0.94738942361878653,0.94812676198530643,0.94885314286682687]
[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,"no","2046-09-01",66.666666666666671,28.583333333333332,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,90,0.88403112807624862,0.88552804309529776,0.88700796398986448,0.88847083769216151,0.88991683071517902,0.89134558400503228,0.89275735381194665,0.8941514359502003,0.89552861013786733,0.8968892368908189,0.89823266122233625,0.89955931524530386,0.90086902930742507,0.90216226194809812,0.90343990449412781,0.90470091157405419,0.90594570484194181,0.90717523019854496,0.90838843095281985,0.90958626361923456,0.91076868482695483,0.91193565486457662,0.91308814215187628,0.91422559891683564,0.91534853285453577,0.91645689085309989,0.9175511380708008,0.9186312725212592,0.91969675712994026,0.92074857609602523,0.92178771540258531,0.92281265735977425,0.9238243706808611,0.92482285797371788,0.92580859718603115,0.92678107915149821,0.92774127897553993,0.9286892006663281,0.92962431995603911,0.93054763180906253,0.93145862911192356,0.9323582932533595,0.93324613217078567,0.93412212153754703,0.93498674936823867,0.93584002009170475,0.9366819247128535,0.93751345057347946,0.93833359438309982,0.93914284660542802]
[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,"no","2046-10-01",66.75,28.666666666666668,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,91,0.86908475325043255,0.87071218530191208,0.87231946048622577,0.87390621341861485,0.87547339516276923,0.87702154752345041,0.87854972513128982,0.88005887352935397,0.88154907159217166,0.88302081073377425,0.88447458270659607,0.88590988165084217,0.88732725563339032,0.88872668046999737,0.8901096707950511,0.89147471929039368,0.89282282735065088,0.89415450836296351,0.89546876501970285,0.89676757309456434,0.89804946893594717,0.8993159191204888,0.90056645541511393,0.90180205642641154,0.90302172444445339,0.90422596764117824,0.90541578379797627,0.90659066517990639,0.90775061196090578,0.90889662276707217,0.91002821841446879,0.91114586331205794,0.91224958346190332,0.91333936530590942,0.91441571333857341,0.91547812192484079,0.9165280935850465,0.91756512327691531,0.91858871543089227,0.91959986752668921,0.92059857113004173,0.9215848398965798,0.92255865875231258,0.92352053026390224,0.9244704589208883,0.92540893547882364,0.92633496521619096,0.92725004693487512,0.92815367487313905,0.92904585164235998]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Pensión bruta pública probable",{"$f":"U82*$W$75","v":{"$error":"#DIV/0!"}},{"$f":"S82*(1+$C$77)^(-$U$75)","v":{"$error":"#DIV/0!"}},{"$f":"IF(R10=TRUE,AC132,AC130)","v":{"$error":"#DIV/0!"}},{"$f":"U82*(1+$C$77)^(-$U$75)","v":{"$error":"#DIV/0!"}},null,null,null,null,null,null,null,null,"no","2046-11-01",66.833333333333329,28.75,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,92,0.85410566524463172,0.85586620812543357,0.85760418262161764,0.8593184328466934,0.86101131743612591,0.86268262282284314,0.86433200055106385,0.86596118523715648,0.86756929063164034,0.8691579148061026,0.87072625503235512,0.87227583402588194,0.87380574155522006,0.8753170429788617,0.87680983801996781,0.87828414549966027,0.87974100834512192,0.88117951230559299,0.88260014260238706,0.88400447336465682,0.88539099962697976,0.88676128656019815,0.88811433698344311,0.88945167861341679,0.89077282272487623,0.89207730770998228,0.89336662661683364,0.89463983086728549,0.89589838492111962,0.8971418457300917,0.89836920923900498,0.89958298025029093,0.900781670468638,0.90196579820816192,0.90313585833578092,0.90429186069109913,0.90543383464048555,0.90656275932572039,0.90767716456947789,0.90877853571820522,0.90986738471152595,0.91094222120124491,0.91200454755183102,0.9130543689369619,0.91409118662998678,0.91511601270278908,0.91612833316128439,0.9171281675957712,0.91811700054357082,0.91909335540458614]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Pensión neta",{"$f":"U83*$W$75","v":{"$error":"#DIV/0!"}},{"$f":"S83*(1+$C$77)^(-$U$75)","v":{"$error":"#DIV/0!"}},{"$f":"V83*(1+$C$77)^$U$75","v":{"$error":"#DIV/0!"}},{"$f":"+R122","v":{"$error":"#DIV/0!"}},null,null,null,null,null,null,null,null,"no","2046-12-01",66.916666666666671,28.833333333333332,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,93,0.83692953491861621,0.83878787033875901,0.84062714883079681,0.8424469875265147,0.84424807756220166,0.84602964484919596,0.84779200750315942,0.84953546701987581,0.85125940181444959,0.85296520668377729,0.85465120457576593,0.85631886768559851,0.85796806720725716,0.85959925108002866,0.86121183239323562,0.86280627303467883,0.86438351909444766,0.86594200266571519,0.86748368047576219,0.8690080321776934,0.8705150206017046,0.8720046114433101,0.87347773835085263,0.87493392562528072,0.87637411189167802,0.87779727214771108,0.87920490094773052,0.8805959437735188,0.88197192930289425,0.88333180577638959,0.88467604156625024,0.88600516458652046,0.88731912934566237,0.88861792104357862,0.8899020396985623,0.8911714710458627,0.89242617627773013,0.89366717078040092,0.89489341632881136,0.89610592820103607,0.89730469508298993,0.89848968403143725,0.89966090784300856,0.90081884720044059,0.90196300223070658,0.90309434640428365,0.90421289170658847,0.90531861094661137,0.90641202594581727,0.90749260022565892]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Gastos deseados iniciales",{"$f":"U84*$V$75","v":0},{"$f":"S84*(1+$C$77)^(-$U$75)","v":0},{"$f":"V84*(1+$C$77)^$U$75","v":0},{"$f":"C37*12","v":0},null,null,null,null,null,null,null,null,"si","2047-01-01",67,28.916666666666668,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,94,0.82070835846610701,0.82271619272229868,0.82470656399753173,0.82667856492953573,0.82863199708869284,0.83056674425430632,0.83248184308554196,0.83437836467478921,0.83625544075465919,0.83811282415324129,0.83995121933962447,0.84176992728990618,0.84356927719164621,0.84534957925334508,0.84711068253869992,0.84885293609586498,0.85057625676201398,0.8522809843137622,0.85396709065810494,0.85563493681519698,0.85728395543066227,0.85891455909426329,0.86052771552781249,0.86212281466102425,0.8637003444136544,0.86525973246445009,0.86680242552640774,0.86832788667335303,0.86983656381531171,0.87132792457362029,0.87280293735043091,0.87426105206313798,0.87570274905929879,0.87712849072794286,0.8785377526655449,0.87993149734999543,0.88130921944159224,0.88267188506698691,0.88401897369274085,0.88535095947427456,0.88666782128996324,0.88797004909571065,0.8892571127841854,0.89052950335077974,0.89178719303226672,0.89303118378413582,0.89426095018672269,0.89547698505821782,0.89667876485023079,0.89786728509351021]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Primero","Segundo","Tercero",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,95,0.80638156129388538,0.80875483965549166,0.81109528349342097,0.81340368578531397,0.81568067479912687,0.81792774898350795,0.82014527056306119,0.82233415454465564,0.82449515551969488,0.82662799388432684,0.82873485963402127,0.83081446196271769,0.83286742576504824,0.83489535037141227,0.83689739952171105,0.83887514056994372,0.84082766989404356,0.84275704905244886,0.84466184229132235,0.84654361690979729,0.84840143594926987,0.8502368204367643,0.85204981586298811,0.85384097322693375,0.85560981847832607,0.85735638521463287,0.85908220361453336,0.86078679190306784,0.86247116655936273,0.86413484372952165,0.86577786701039861,0.86740073956783037,0.86900396487514886,0.87058806506111153,0.8721525505338138,0.8736984436322397,0.87522523653465789,0.8767334606986088,0.87822360014582923,0.87969519082236769,0.88114970871300069,0.88258618463090011,0.8840051163539997,0.88540651199622988,0.88679136991690688,0.88815920560411132,0.88951100813401196,0.89084580024629667,0.89216457172298924,0.89346782665844648]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Años en cada tramo de ahorro",{"$f":"MAX(0,W59-YEARFRAC(AC60,S74,1))","v":6.9199017199017234},{"$f":"MAX(0,X59-YEARFRAC(AC60,S74,1))-S86","v":10},{"$f":"YEARFRAC(S74,S75,1)-S86-T86","v":12.001335845125197},"Con capital inicial",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,96,0.7876429232030101,0.79039789656500414,0.79311488333782021,0.79579523705771549,0.79843929434632555,0.80104831792436515,0.8036230520173987,0.80616314014462231,0.80867018805259383,0.81114384718937715,0.81358573756238139,0.81599535543306634,0.81837329800932879,0.82072114483509107,0.82303742318296846,0.8253241666088158,0.8275808870928919,0.82980866168674727,0.83200746541516757,0.8341783172325925,0.83632024033534391,0.83843476783770521,0.84052191190586745,0.84258215919698787,0.84461599660672726,0.84662295580399227,0.84860451790795721,0.85056021071667454,0.85249103464935949,0.85439699268396274,0.85627757070778754,0.85813424887957213,0.85996706455271299,0.86177649956554181,0.86356255477058874,0.86532523050103716,0.86706552338643306,0.86878291990316014,0.87047844579885758,0.87215155880592998,0.87380379550892195,0.87543461568968584,0.87704404511730838,0.87863305432841188,0.88020166708288927,0.88174937119367114,0.88327767176786787,0.88478603599422823,0.88627499376729635,0.88774503099956614]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Proceso de formación del capital",{"$f":"IF(V$60=$C$21,S$86*(1+V$60)^(S$86-1),((1+V$60)^S$86-(1+$C$21)^S$86)/(V$60-$C$21))*(V$60*(1+V$60)^(1/12))/S$101","v":8.1042937314959094},{"$f":"S87*(1+W$60)^T$86+(1+$C$21)^S$86*IF(W$60=$C$21,T$86*(1+W$60)^(T$86-1),((1+W$60)^T$86-(1+$C$21)^T$86)/(W$60-$C$21))*(W$60*(1+W$60)^(1/12))/T$101","v":22.540819187997364},{"$f":"T87*(1+X$60)^U$86+(1+$C$21)^(S$86+T$86)*IF(X$60=$C$21,U$86*(1+X$60)^(U$86-1),((1+X$60)^U$86-(1+$C$21)^U$86)/(X$60-$C$21))*(X$60*(1+X$60)^(1/12))/U$101","v":40.099277456385828},{"$f":"$C$20*U87+$C$22*(1+V$60)^S$86*(1+W$60)^T$86*(1+X$60)^U$86","v":0},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,97,0.77209765537796926,0.7754288435498744,0.77870008080669162,0.78191592227124695,0.78507713383405242,0.78818697431936802,0.79124609659320289,0.79425633427096354,0.79721952943716023,0.80013671507552819,0.80300806735299701,0.80583597333619583,0.80862084863973138,0.81136404698128173,0.81406535490807064,0.81672657528096027,0.81934795556603135,0.82193017749151076,0.82447442958335893,0.82698141713788564,0.82945123362222406,0.83188501474227083,0.83428242865573643,0.83664504784857874,0.83897350656969316,0.84126784322064374,0.8435291988037783,0.8457575976271241,0.84795364121313666,0.85011786697214375,0.85225034175454795,0.85435263790539162,0.85642429023509747,0.85846634068474692,0.86047883879260945,0.86246183086662642,0.86441681737779386,0.8663438396967067,0.86824246705320995,0.87011419284218416,0.87195905127069984,0.87377759153960488,0.87556979738661234,0.87733673077944474,0.87907790190998247,0.88079428033871654,0.88248593489578031,0.88415387539517198,0.88579760934844542,0.88741767201150756]
[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,null,null,null,null,null,null,null,null,null,null,null,98,0.75453511373256621,0.75818747675796183,0.76178850098649609,0.76533919441414722,0.76883933613829125,0.77229013417178249,0.77569069174707772,0.77904316350236169,0.78234682820292389,0.78560299480937001,0.78881129986656484,0.79197318248385573,0.79508894036002853,0.79815942714953092,0.8011849719326114,0.80416599038621261,0.8071028335965833,0.8099968658726503,0.81284806294092449,0.81565726733611721,0.81842540013490939,0.82115245177410867,0.82383874940746737,0.82648576471860913,0.82909296394958287,0.83166222989405936,0.83419303596852223,0.83668633216311583,0.83914253891093959,0.84156261331327709,0.84394651001922727,0.84629471711721205,0.84860814018990305,0.85088727194824199,0.85313207462836715,0.85534298754715554,0.85752198915901334,0.85966809456691051,0.86178169548826222,0.86386429879817084,0.86591539839386555,0.86793592271335018,0.86992637473267231,0.87188720868805825,0.87381792176709006,0.87572050480051011,0.87759440885028983,0.87944013970948265,0.8812581578420714,0.88304892587531303]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Ahorro preexistente para la jubilación",{"$f":"V87","v":0},{"$f":"S89*(1+$C$77)^(-$U$75)","v":0},{"$f":"S89/W75","v":0},{"$f":"U89*(1+$C$77)^(-$U$75)","v":0},"Pérdida pode adquisitivo",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,99,0.73837891746375905,0.74263576654037022,0.74682117353441679,0.75093658262121288,0.75498404156931165,0.75896523353452872,0.76288041523722505,0.76673187014157185,0.77051967224414553,0.77424586356632707,0.77791163102249505,0.78151705756463108,0.78506412645132051,0.78855389220531302,0.7919864757013505,0.79536329420586749,0.79868537596631473,0.80195381455429926,0.80516855365361151,0.80833160360633982,0.81144397269730262,0.8145051347213671,0.81751662578698547,0.82047991323853109,0.82339399944027147,0.82626188035954329,0.82908302434052716,0.83185842887555628,0.83458862015272928,0.83727506305563948,0.83991775347565756,0.84251715861111365,0.84507480058324058,0.84759114677635017,0.85006666626678062,0.8525014066341815,0.85489783459400759,0.85725442117487105,0.85957316106795845,0.86185409711731986,0.86409812917888429,0.86630582319060323,0.86847765075834393,0.87061460679900893,0.8727161655129333,0.8747843226872003,0.87681859553838015,0.87881945909443826,0.88078838972877183,0.88272542368829754]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Ahorro neto para complemento inicial",{"$f":"S89*(1-$R$115)","v":{"$error":"#DIV/0!"}},{"$f":"S90*(1+$C$77)^(-$U$75)","v":{"$error":"#DIV/0!"}},{"$f":"U89*(1-$R$115)","v":{"$error":"#DIV/0!"}},{"$f":"V89*(1-$R$115)","v":{"$error":"#DIV/0!"}},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,100,1.9795179616224325,1.9882500688289191,1.9967022221156276,2.0048988630181439,2.0128572461252214,2.0205959436574554,2.0281267072549407,2.0354609360561309,2.0426085824735476,2.0495813491154022,2.0563856145056323,2.0630270066632646,2.0695148501980101,2.0758550256878614,2.0820500993132458,2.0881079857458107,2.0940333861859339,2.0998292942192891,2.105499877985058,2.1110504886782717,2.1164848579363937,2.1218051406102796,2.1270147445292573,2.1321183260191421,2.1371162326253397,2.1420142614222759,2.1468139306649885,2.1515180520851427,2.1561279737537178,2.1606477141979572,2.1650784680378905,2.1694227351193023,2.1736829486765332,2.1778614798925067,2.181960642018999,2.1859799930488237,2.1899244543199181,2.1937934968578583,2.1975905950206491,2.2013151522748582,2.2049718985244557,2.2085601697213244,2.2120819486856407,2.2155391836179477,2.2189324642699768,2.2222650054801187,2.2255360203494212,2.2287473495886752,2.231902122534005,2.2349994923019185]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Pensión + rentas del ahorro (neto)",null,null,{"$f":"V92*(1+$C$77)^$U$75","v":{"$error":"#DIV/0!"}},{"$f":"V83+V90","v":{"$error":"#DIV/0!"}},null,null,null,"DETERMINACIÓN DE LA PENSIÓN PÚBLICA",null,null,null,null,null,"DATOS GRÁFICO",null,null,null,null,null,null,"BASE REGULADORA"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Ingreso anual adicional necesario",null,null,{"$f":"MAX(0,U84-U92)","v":{"$error":"#DIV/0!"}},{"$f":"MAX(0,V84-V92)","v":{"$error":"#DIV/0!"}},{"$f":"S84-S83-S90-S97","v":{"$error":"#DIV/0!"}},{"$f":"W93*(1+$C$77)^(-$U$75)","v":{"$error":"#DIV/0!"}},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,25,24,23,22,21,20,19]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Fondo privado que es necesario constituir",{"$f":"S97/(1-$R$115)","v":{"$error":"#DIV/0!"}},{"$f":"T95/(1-$R$115)","v":{"$error":"#DIV/0!"}},null,null,null,null,null,"Situación aplicable",{"$f":"AD48","v":0},null,null,null,null,"Año","Pensión pública probable","Rentas del ahorro privado","Gastos previstos","Diferencia","Necesidad de ingresos adicionales",null,"Suma",{"$f":"SUM($AO99:$AO398)","v":0},{"$f":"SUM($AO99:$AO386)","v":0},{"$f":"SUM($AO99:$AO374)","v":0},{"$f":"SUM($AO99:$AO362)","v":0},{"$f":"SUM($AO99:$AO350)","v":0},{"$f":"SUM($AO99:$AO338)","v":0},{"$f":"SUM($AO99:$AO326)","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Neto",null,{"$f":"V93*$W$75","v":{"$error":"#DIV/0!"}},null,null,null,null,null,"Tramo Nº hijos",{"$f":"HLOOKUP(D5,Z96:AD97,2,0)","v":2},null,null,null,null,{"$f":"+C28+1","v":68},{"$f":"+V83","v":{"$error":"#DIV/0!"}},{"$f":"+V90","v":{"$error":"#DIV/0!"}},{"$f":"+H7","v":""},{"$f":"AI95-AH95-AG95","v":{"$error":"#VALUE!"}},{"$f":"MAX(0,AI95-AG95-AH95)","v":{"$error":"#VALUE!"}},null,"Base reguladora normativa",{"$f":"HLOOKUP(AB35,AN93:AT94,2,0)/(14*AB35)","v":0},"Actual"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Aportación anual necesaria creciente para constituirlo",null,{"$f":"S94/U87","v":{"$error":"#DIV/0!"}},null,null,null,{"$f":"W93/U87/(1-$R$115)","v":{"$error":"#DIV/0!"}},null,"Ninguno","Uno","Dos","Tres","Cuatro o más",null,{"$f":"AF95+1","v":69},{"$f":"AG95*(1+$C$79)","v":{"$error":"#DIV/0!"}},{"$f":"AH95*(1+$C$79)","v":{"$error":"#DIV/0!"}},{"$f":"AI95*(1+$C$78)","v":{"$error":"#VALUE!"}},{"$f":"AI96-AH96-AG96","v":{"$error":"#VALUE!"}},{"$f":"MAX(0,AI96-AG96-AH96)","v":{"$error":"#VALUE!"}},null,"Base anual",{"$f":"IF(Año=0,0,HLOOKUP(AB35,AN93:AT94,2,0)/AB35)","v":0},{"$f":"AN96*(1+C77)^(-U75)","v":0},"Meses cotizados","idem+48"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Aumento del ahorro preexistente. Neto",{"$f":"U93*$W$75","v":{"$error":"#DIV/0!"}},{"$f":"MAX($S$97,0)/((1+V60)^S86*(1+W60)^T86*(1+X60)^ U86)","v":{"$error":"#DIV/0!"}},null,"Neto necesario",{"$f":"W93","v":{"$error":"#DIV/0!"}},{"$f":"MAX($W$93,0)/((1+V60)^S86*(1+W60)^T86*(1+X60)^U86)","v":{"$error":"#DIV/0!"}},"Tramo Nº hijos",0,1,2,3,4,null,{"$f":"AF96+1","v":70},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#VALUE!"},{"$f":"AI97-AH97-AG97","v":{"$error":"#VALUE!"}},{"$f":"MAX(0,AI97-AG97-AH97)","v":{"$error":"#VALUE!"}},null,{"$f":"S75","v":"2047-01-01"},{"$f":"IF(AND(AP97>=0,AQ97>=0),IF($R$6=TRUE,MIN(Ingresos/12,$R$15),MIN(Base,$R$15)),IF($R$6=TRUE,IF(AQ97>=0,$R$14,0.5*$R$14),0))*(1+$C$76)^(YEAR(AM97)-YEAR($S$74))","v":0},0,{"$f":"AC66*12+1","v":348},{"$f":"AP97+48","v":396}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"% tributa",{"$f":"VLOOKUP(MAX(65,$AD$65),$P$128:$Q$133,2)","v":0.2},null,null,"% tributa",{"$f":"VLOOKUP(MAX(65,$AD$65),$P$128:$Q$133,2)","v":0.2},null,"Porcentaje por hijos",0,0,0.05,0.1,0.15,null,71,{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},null,{"$f":"EDATE(AM97,-1)","v":"2046-12-01"},{"$f":"IF(AND(AP98>=0,AQ98>=0),IF($R$6=TRUE,MIN(Ingresos/12,$R$15),MIN(Base,$R$15)),IF($R$6=TRUE,IF(AQ98>=0,$R$14,0.5*$R$14),0))*(1+$C$76)^(YEAR(AM98)-YEAR($S$74))","v":0},0,{"$f":"AP97-1","v":347},{"$f":"AP98+48","v":395}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Bruto",{"$f":"S97/(1-S98*$T$128)","v":{"$error":"#DIV/0!"}},{"$f":"S97/((1-S98*$T$128)*(1+V101*(1-$T$128)))","v":{"$error":"#DIV/0!"}},null,"Bruto",{"$f":"W97/(1-W98*$T$128)","v":{"$error":"#DIV/0!"}},{"$f":"W97/((1-W98*$T$128)*(1+V101*(1-$T$128)))","v":{"$error":"#DIV/0!"}},null,null,null,null,null,null,null,72,{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},null,{"$f":"EDATE(AM98,-1)","v":"2046-11-01"},0,{"$f":"AN99","v":0},{"$f":"AP98-1","v":346},394]
[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,"€ año jubilación",null,null,73,{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},null,"2046-10-01",0,{"$f":"AN100","v":0},345,393]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Interés nominal",{"$f":"NOMINAL(V60,12)","v":4.4097712805242217E-2},{"$f":"NOMINAL(W60,12)","v":2.9595237267644237E-2},{"$f":"NOMINAL(X60,12)","v":1.4897852597391292E-2},{"$f":"+(1+$V$60)^$S$86*(1+$W$60)^$T$86*(1+$X$60)^$U$86-1","v":1.1789950457411127},null,null,null,null,null,"Base reg.",{"$f":"AN96","v":0},null,null,74,{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},null,"2046-09-01",0,0,344,392]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Fuente: ","http://www.irpf.eu/2016.html",null,null,null,null,null,null,null,null,null,null,"TS Base",{"$f":"0.5+MIN(AE35,AG31)*AF35+MAX(0,MIN(AG31,AG35)-AE35)*AH35","v":0.81730000000000003},null,null,75,{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},null,"2046-08-01",0,0,343,391]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"TARIFA IRPF 2016",null,null,null,null,null,null,null,null,null,null,null,"Reductor",{"$f":"AD53*AG28","v":0},null,null,76,{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},null,"2046-07-01",0,0,342,390]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Pensión","Último sal.",null,null,null,null,null,null,null,null,"Sostenibilidad",{"$f":"VLOOKUP(MAX(AG24,2018),Q22:R64,2)","v":0.90649999999999997},null,null,77,{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},null,"2046-06-01",0,0,341,389]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Ingresos brutos",null,{"$f":"V82","v":{"$error":"#DIV/0!"}},{"$f":"V79","v":0},"TABLA TRAMOS IRPF",null,null,null,null,null,null,null,"Tasa antes incentivo",{"$f":"AC102*(1-AC103)*AC104","v":0.74088244999999997},null,null,78,{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},null,"2046-05-01",0,0,340,388]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"de","a","Cuota","Tipo marginal",null,null,null,null,"Incentivo",{"$f":"AD55*AG27","v":0},null,null,79,{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},null,"2046-04-01",0,0,339,387]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"TOTAL Ingresos",null,{"$f":"SUM(R105:R106)","v":{"$error":"#DIV/0!"}},{"$f":"SUM(S105:S106)","v":0},0,12450,0,0.19,null,null,null,null,"Tasa aplicable",{"$f":"AC106+AC105","v":0.74088244999999997},null,null,80,{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},null,"2046-03-01",0,0,338,386]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,12450,20200,{"$f":"T108*W107","v":2365.5},0.24,null,null,null,null,"Mínima",{"$f":"+R16*14*(1+C79)^T75","v":9131.6464402129768},null,null,81,{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},null,"2046-02-01",0,0,337,385]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"MINIMO PERSONAL",null,{"$f":"U115+IF(R9/12>=65,U116,0)","v":6700},{"$f":"U115+IF((R9-12)/12>=65,U116,0)","v":5550},20200,35200,{"$f":"V108+(U108-T108)*W108","v":4225.5},0.3,null,null,null,null,"Complemento por hijos",{"$f":"IF(S4=TRUE,HLOOKUP(AA95,Z97:AD98,2),0)","v":0},null,null,82,{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},null,"2046-01-01",0,0,336,384]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"GENERAL + RTOS TRABAJO",null,{"$f":"V120+IF(R105*(1-R111)<$T$118,$U$118,IF(R105*(1-R111)>$T$119,0,$U$118-$U$119*(R105*(1-R111)-$T$118)))","v":{"$error":"#DIV/0!"}},{"$f":"W120+IF(S105*(1-S111)<$T$118,$U$118,IF(S105*(1-S111)>$T$119,0,$U$118-$U$119*(S105*(1-S111)-$T$118)))","v":5700},35200,60000,{"$f":"V109+(U109-T109)*W109","v":8725.5},0.37,null,null,null,null,"Pensión sin complemento ni incentivos (sin límites)",{"$f":"AC105*AC101","v":0},null,null,83,{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},null,"2045-12-01",0,0,335,383]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Cotización SS",null,{"$f":"V121","v":0},{"$f":"W121","v":6.3500000000000001E-2},60000,null,{"$f":"V110+(U110-T110)*W110","v":17901.5},0.45,null,null,null,null,"Pensión con incentivo y sin complemento",{"$f":"AC107*AC101","v":0},null,null,84,{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},null,"2045-11-01",0,0,334,382]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"TOTAL DEDUCCIONES",null,{"$f":"R110+R111*IF($R$6=TRUE,MAX($R$14*12,MIN($R$15*12,R105)),FV($C$76,$U$75,0,-Base*12)*(1+$C$77)^(-$U$75))","v":{"$error":"#DIV/0!"}},{"$f":"S110+S111*IF($R$6=TRUE,MAX($R$14*12,MIN($R$15*12,S105)),FV($C$76,$U$75,0,-Base*12)*(1+$C$77)^(-$U$75))","v":6354.2532000000001},null,null,null,null,null,null,null,null,"Pensión con incentivo y complemento",{"$f":"AC111*(1+AC109)","v":0},null,null,85,{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},null,"2045-10-01",0,0,333,381]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"BASE IRPF",null,{"$f":"R107-R112","v":{"$error":"#DIV/0!"}},{"$f":"S107-S112","v":-6354.2532000000001},"Datos cálculo de la retención",null,null,null,null,null,null,null,"Pensión hombre (si no llega a la mínima)",{"$f":"IF(AND(AC111<AC108,R4=TRUE)=TRUE,AC108,0)","v":9131.6464402129768},null,null,86,{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},null,"2045-09-01",0,0,332,380]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Mínimo personal",null,null,null,null,null,null,null,"Pensión mujer (si no llega a la mínima)",{"$f":"IF(AND(S4=TRUE,AC111<AC108)=TRUE,AC108+AC111*AC109,0)","v":0},null,null,87,{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},null,"2045-08-01",0,0,331,379]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"TIPO marginal IRPF",null,{"$f":"VLOOKUP($R$113,$T$107:$W$111,4)","v":{"$error":"#DIV/0!"}},{"$f":"VLOOKUP(S113,$T$107:$W$111,4)","v":{"$error":"#N/A"}},"Base",5550,null,null,null,null,null,null,"Máxima normal (en su caso anticipada)",{"$f":"R17*14*(1+C79)^T75*IF(AA94<>1,1,(1-AG28*0.005))","v":38834.407334410258},null,null,88,{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},null,"2045-07-01",0,0,330,378]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Tramo inferior",null,{"$f":"VLOOKUP($R$113,$T$107:$W$111,1)","v":{"$error":"#DIV/0!"}},{"$f":"VLOOKUP(S113,$T$107:$W$111,1)","v":{"$error":"#N/A"}},"Adicional 65+",1150,null,null,null,null,null,null,"Base máxima",{"$f":"+R15*12*(1+C76)^T75","v":106079.38231370853},null,null,89,{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},null,"2045-06-01",0,0,329,377]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Resto",null,{"$f":"R113-R116","v":{"$error":"#DIV/0!"}},{"$f":"S113-S116","v":{"$error":"#N/A"}},"Por rendimiento del trabajo",null,null,null,null,null,null,null,"Pensión hombre (si no llega a la máxima)",{"$f":"IF(AND(R4=TRUE,AC111<AC115,AC113=0)=TRUE,AC111,0)","v":0},null,null,90,{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},null,"2045-05-01",0,0,328,376]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Cuota tramo inferior",null,{"$f":"VLOOKUP($R$113,$T$107:$W$111,3)","v":{"$error":"#DIV/0!"}},{"$f":"VLOOKUP(S113,$T$107:$W$111,3)","v":{"$error":"#N/A"}},11250,3700,null,null,null,null,null,null,"Porcentaje pendiente de utilizar",{"$f":"ROUNDUP(MIN((AC106-AC115/AC110+1),AC106)*100,0)/100","v":{"$error":"#DIV/0!"}},null,null,{"$f":"AF117+1","v":91},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#VALUE!"},{"$f":"AI118-AH118-AG118","v":{"$error":"#VALUE!"}},{"$f":"MAX(0,AI118-AG118-AH118)","v":{"$error":"#VALUE!"}},null,"2045-04-01",0,0,327,375]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Cuota resto",null,{"$f":"R117*R115","v":{"$error":"#DIV/0!"}},{"$f":"S117*S115","v":{"$error":"#N/A"}},14450,{"$f":"U118/(T119-T118)","v":1.15625},"Pensionista","Activo",null,null,null,null,"Pensión hombre (si llega a la máxima)",{"$f":"IF(AND(R4=TRUE,AC113=0,AC117=0)=TRUE,MIN(AC115*(1+AC118),AC116),0)","v":0},null,null,92,{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},null,"2045-03-01",0,0,326,374]
[null,null,null,null,null,null,"Alternativas sobre cómo conseguir los ingresos adicionales",null,null,null,null,null,null,null,null,"Mínimo personal",null,{"$f":"R109*W107","v":1273},{"$f":"S109*W107","v":1054.5},null,"Gasto deducible general",2600,2000,null,null,null,null,"Pensión mujer (si no llega a la máxima)",{"$f":"IF(AND(S4=TRUE,AC112<AC115,AC114=0)=TRUE,AC112,0)","v":0},null,null,93,{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},{"$error":"#VALUE!"},null,"2045-02-01",0,0,325,373]
[null,null,null,null,null,null,"Las opciones A, B y C son tres alternativas de ahorro para el usuario. Puede elegir una de ellas o combinarlas en distintos grados.","Para igualar ingresos y gastos el primer año tras la jubilación",null,"Para compensar pérdidas de poder adquisitivo de la pensión durante el resto de la jubilación",null,null,null,null,null,"Total cuota",null,{"$f":"MAX(MIN(R119+R118-R120,V122*(R105-V123)),0)","v":{"$error":"#DIV/0!"}},{"$f":"MAX(MIN(S119+S118-S120,W122*(S105-W123)),0)","v":{"$error":"#N/A"}},null,"Cotización SS",0,6.3500000000000001E-2,null,null,null,null,"Máxima sin incentivo y con complemento",{"$f":"AC115+AC109*AC110*0.5","v":38834.407334410258},null,null,null,null,null,null,null,null,null,"2045-01-01",0,0,324,372]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Ingresos netos",null,{"$f":"R107-R121-R111*R105","v":{"$error":"#DIV/0!"}},{"$f":"S107-S121-S111*IF($R$6=TRUE,MAX($R$14*12,MIN($R$15*12,S105)),FV($C$76,$U$75,0,-Base*12)*(1+$C$77)^(-$U$75))","v":{"$error":"#N/A"}},null,"Límite cuota",0.43,0.43,null,null,null,null,"Pensión mujer sin incentivo (si llega a la máxima totalmente)",{"$f":"IF(AND(S4=TRUE,AC114=0,AC120=0,AC106=0,AC110>AC115)=TRUE,MIN(AC112,AC121),0)","v":0},null,null,null,null,null,null,null,null,null,"2044-12-01",0,0,323,371]
[null,null,null,null,null,null,null,null,null,null,null,"Total",null,null,null,"Tipo medio",null,{"$f":"R121/R107","v":{"$error":"#DIV/0!"}},{"$f":"S121/S107","v":{"$error":"#N/A"}},null,"Mínimo excluido",12600,12000,null,null,null,null,"Complemento no aplicado",{"$f":"MAX(0,AC109-AC115/AC110+1)","v":{"$error":"#DIV/0!"}},null,null,null,null,null,null,null,null,null,"2044-11-01",0,{"$f":"AN123","v":0},322,370]
[null,null,null,null,null,null,"A. Con ahorro periódico (adicional al ya previsto)",{"$f":"IFERROR(MAX(T96,0),0)","v":0},null,{"$f":"IFERROR(MAX(X96,0),0)","v":0},null,{"$f":"J124+H124","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Pensión mujer sin incentivo (si llega a la máxima parcialmente)",{"$f":"IF(AND(S4=TRUE,AC114=0,AC120=0,AC122=0,AC106=0)=TRUE,AC115+0.5*AC123*AC110,0)","v":0},null,null,null,null,null,null,null,null,null,"2044-10-01",0,{"$f":"AN124*(1+NOMINAL($C$77,12)/12)^(ROW()-ROW($AM$123))","v":0},321,369]
[null,null,null,null,null,null,"B. Con una aportación única en el momento actual",{"$f":"IFERROR(T99,0)","v":0},null,{"$f":"IFERROR(MAX(X99,0),0)","v":0},null,{"$f":"J125+H125","v":0},null,null,null,"TRATAMIENTO FISCAL RENTA VITALICIA",null,null,null,null,null,null,null,null,null,null,null,"Máxima con incentivo",{"$f":"AC115*(1+AC118)","v":{"$error":"#DIV/0!"}},null,null,null,null,null,null,null,null,null,"2044-09-01",0,0,320,368]
[null,null,null,null,null,null,"C. Con una aportación única en el momento de la jubilación",{"$f":"IFERROR(S99,0)","v":0},null,{"$f":"IFERROR(MAX(W99,0),0)","v":0},null,{"$f":"J126+H126","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Máxima con incentivo y complemento",{"$f":"AC125+AC109*AC111*0.5","v":{"$error":"#DIV/0!"}},null,null,null,null,null,null,null,null,null,"2044-08-01",0,0,319,367]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Edad contratación","% que tributa",null,"Importe renta","Tipo gravamen 2016",null,null,null,null,null,null,null,"Pensión mujer con incentivo (si llega a la máxima totalmente)",{"$f":"IF(AND(S4=TRUE,AC114=0,AC120=0,AC124=0,AC106>0,AC111>AC125)=TRUE,MIN(AC112,AC126,AC116),0)","v":{"$error":"#DIV/0!"}},null,null,null,null,null,null,null,null,null,"2044-07-01",0,0,318,366]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,0.4,null,0,0.19,null,null,null,null,null,null,null,"Complemento no aplicado",{"$f":"MAX(0,AC109-AC125/AC111+1)","v":{"$error":"#DIV/0!"}},null,null,null,null,null,null,null,null,null,"2044-06-01",0,0,317,365]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,40,0.35,null,6000,0.21,null,null,null,null,null,null,null,"Pensión mujer con incentivo (si llega a la máxima parcialmente)",{"$f":"IF(AND(S4=TRUE,AC114=0,AC120=0,AC122=0,AC124=0,AC127=0,AC106>0)=TRUE,MIN(AC125+0.5*AC128*AC111,AC116),0)","v":{"$error":"#DIV/0!"}},null,null,null,null,null,null,null,null,null,"2044-05-01",0,0,316,364]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,50,0.28000000000000003,null,50000,0.23,null,null,null,null,null,null,null,"Importe de la pensión",{"$f":"SUM(AC129,AC127,AC124,AC122,AC120,AC119,AC117,AC114,AC113)","v":{"$error":"#DIV/0!"}},null,null,null,null,null,null,null,null,null,"2044-04-01",0,0,315,363]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,60,0.24,null,null,null,null,null,null,null,null,null,null,"Importe de la SS",{"$f":"D33","v":2561.92},null,null,null,null,null,null,null,null,null,"2044-03-01",0,0,314,362]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,66,0.2,null,null,null,null,null,null,null,null,null,null,"Anual",{"$f":"AC131*14","v":35866.880000000005},null,null,null,null,null,null,null,null,null,"2044-02-01",0,0,313,361]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,70,0.08,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2044-01-01",0,0,312,360]
[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,"2043-12-01",0,0,311,359]
[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,"2043-11-01",0,0,310,358]
[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,"2043-10-01",0,0,309,357]
[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,"2043-09-01",0,0,308,356]
[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,"2043-08-01",0,0,307,355]
[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,"2043-07-01",0,0,306,354]
[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,"2043-06-01",0,0,305,353]
[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,"2043-05-01",0,0,304,352]
[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,"2043-04-01",0,0,303,351]
[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,"2043-03-01",0,0,302,350]
[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,"2043-02-01",0,0,301,349]
[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,"2043-01-01",0,0,300,348]
[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,"2042-12-01",0,0,299,347]
[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,"2042-11-01",0,0,298,346]
[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,"2042-10-01",0,0,297,345]
[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,"2042-09-01",0,0,296,344]
[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,"2042-08-01",0,0,295,343]
[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,"2042-07-01",0,0,294,342]
[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,"2042-06-01",0,0,293,341]
[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,"2042-05-01",0,0,292,340]
[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,"2042-04-01",0,0,291,339]
[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,"2042-03-01",0,0,290,338]
[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,"2042-02-01",0,0,289,337]
[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,"2042-01-01",0,0,288,336]
[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,"2041-12-01",0,0,287,335]
[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,"2041-11-01",0,0,286,334]
[null,"Calculadora básica de ahorro para la jubilación (cuantías brutas, sin fiscalidad)",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,"2041-10-01",0,0,285,333]
[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,"2041-09-01",{"$f":"IF(AND(AP161>=0,AQ161>=0),IF($R$6=TRUE,MIN(Ingresos/12,$R$15),MIN(Base,$R$15)),IF($R$6=TRUE,IF(AQ161>=0,$R$14,0.5*$R$14),0))*(1+$C$76)^(YEAR(AM161)-YEAR($S$74))","v":0},0,284,332]
[null,"¿Cuánto capital conseguiré conociendo la aportación?",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2041-08-01",0,0,283,{"$f":"AP162+48","v":331}]
[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,{"$f":"EDATE(AM162,-1)","v":"2041-07-01"},0,0,{"$f":"AP162-1","v":282},330]
[null,"Aportación inicial mensual",100,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,"2041-06-01",0,0,281,329]
[null,"Incremento anual de las aportaciones",0.01,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,"2041-05-01",0,0,280,328]
[null,"Años que quedan hasta la jubilación",25,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,"2041-04-01",0,0,279,327]
[null,"Rentabilidad del ahorro",0.03,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,"2041-03-01",0,0,278,326]
[null,"Capital acumulado a la jubilación (€ brutos de la jubilación)",{"$f":"IFERROR(C164*12*IF(C165=C167,C166*(1+C165)^(C166-1),(((1+C167)^C166-(1+C165)^C166)/(C167-C165)))*C167*(1+C167)^(1/12)/NOMINAL(C167,12),0)","v":49468.246036446013},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,"2041-02-01",0,0,277,325]
[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,"2041-01-01",0,0,276,324]
[null,"¿Cuánto debo ahorrar para conseguir un capital deseado?",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,"2040-12-01",0,0,275,323]
[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,"2040-11-01",0,0,274,322]
[null,"Capital que deseo acumular a la jubilación (€ brutos de la jubilación)",100000,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,"2040-10-01",0,0,273,321]
[null,"Incremento anual de las aportaciones",0.01,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,"2040-09-01",0,0,272,320]
[null,"Años que quedan hasta la jubilación",25,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,"2040-08-01",0,0,271,319]
[null,"Rentabilidad del ahorro",0.03,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,"2040-07-01",0,0,270,318]
[null,"Aportación inicial mensual",{"$f":"IFERROR(C172/(IF(C173=C175,(C174*(1+C173)^(C174-1)),((1+C175)^C174-(1+C173)^C174)/(C175-C173))*C175*(1+C175)^(1/12)/NOMINAL(C175,12))/12,0)","v":202.14987999842245},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,"2040-06-01",0,0,269,317]
[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,"2040-05-01",0,0,268,316]
[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,"2040-04-01",0,0,267,315]
[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,"2040-03-01",0,0,266,314]
[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,"2040-02-01",0,0,265,313]
[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,"2040-01-01",0,0,264,312]
[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,"2039-12-01",0,0,263,311]
[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,"2039-11-01",0,0,262,310]
[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,"2039-10-01",0,0,261,309]
[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,"2039-09-01",0,0,260,308]
[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,"2039-08-01",0,0,259,307]
[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,"2039-07-01",0,0,258,306]
[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,"2039-06-01",0,{"$f":"AN188*(1+NOMINAL($C$77,12)/12)^(ROW()-ROW($AM$123))","v":0},257,305]
[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,"2039-05-01",0,0,256,304]
[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,"2039-04-01",0,0,255,303]
[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,"2039-03-01",0,0,254,302]
[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,"2039-02-01",0,0,253,301]
[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,"2039-01-01",0,0,252,300]
[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,"2038-12-01",0,0,251,299]
[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,"2038-11-01",0,0,250,298]
[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,"2038-10-01",0,0,249,297]
[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,"2038-09-01",0,0,248,296]
[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,"2038-08-01",0,0,247,295]
[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,"2038-07-01",0,0,246,294]
[null,null,null,null,null,null,"Detalle de la obtención de la pensión pública mensual",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,"2038-06-01",0,0,245,293]
[null,null,null,null,null,null,null,"€ año jubilación","€ actuales","€ actuales tras impuestos",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,"2038-05-01",0,0,244,292]
[null,null,null,null,null,null,"Base reguladora",{"$f":"AC101/14","v":0},{"$f":"H202*(1+$C$77)^(-$U$75)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2038-04-01",0,0,243,291]
[null,null,null,null,null,null,"Porcentaje por años cotizados",{"$f":"AC102","v":0.81730000000000003},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,"2038-03-01",0,0,242,290]
[null,null,null,null,null,null,"Coeficiente reductor por jubilación anticipada",{"$f":"AC103","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2038-02-01",0,0,241,289]
[null,null,null,null,null,null,"Factor de sostenibilidad",{"$f":"AC104","v":0.90649999999999997},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,"2038-01-01",0,0,240,288]
[null,null,null,null,null,null,"Incentivo por jubilación demorada",{"$f":"AC106","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2037-12-01",0,0,239,287]
[null,null,null,null,null,null,"Porcentaje total sobre la base reguladora",{"$f":"AC107","v":0.74088244999999997},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,"2037-11-01",0,0,238,286]
[null,null,null,null,null,null,"Importe pensión antes del complemento y de topes",{"$f":"H207*H202","v":0},{"$f":"H208*(1+$C$77)^(-$U$75)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2037-10-01",0,0,237,285]
[null,null,null,null,null,null,"Complemento por maternidad (sólo mujeres)",{"$f":"AC109","v":0},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,"2037-09-01",0,0,236,284]
[null,null,null,null,null,null,"Importe pensión con complemento",{"$f":"H208*(1+H209)","v":0},{"$f":"H210*(1+$C$77)^(-$U$75)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2037-08-01",0,0,235,283]
[null,null,null,null,null,null,"Importe definitivo (con topes)",{"$f":"AC130/14","v":{"$error":"#DIV/0!"}},{"$f":"H211*(1+$C$77)^(-$U$75)","v":{"$error":"#DIV/0!"}},{"$f":"+I9","v":""},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,"2037-07-01",0,0,234,282]
[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,"2037-06-01",0,0,233,281]
[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,"2037-05-01",0,0,232,280]
[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,"2037-04-01",0,0,231,279]
[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,"2037-03-01",0,0,230,278]
[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,"2037-02-01",0,0,229,277]
[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,"2037-01-01",0,0,228,276]
[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,"2036-12-01",0,0,227,275]
[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,"2036-11-01",0,0,226,274]
[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,"2036-10-01",0,0,225,273]
[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,"2036-09-01",0,0,224,272]
[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,"2036-08-01",0,0,223,271]
[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,"2036-07-01",0,0,222,270]
[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,"2036-06-01",0,0,221,269]
[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,"2036-05-01",{"$f":"IF(AND(AP225>=0,AQ225>=0),IF($R$6=TRUE,MIN(Ingresos/12,$R$15),MIN(Base,$R$15)),IF($R$6=TRUE,IF(AQ225>=0,$R$14,0.5*$R$14),0))*(1+$C$76)^(YEAR(AM225)-YEAR($S$74))","v":0},0,220,268]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2036-04-01",0,0,219,{"$f":"AP226+48","v":267}]
[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,{"$f":"EDATE(AM226,-1)","v":"2036-03-01"},0,0,{"$f":"AP226-1","v":218},266]
[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,"2036-02-01",0,0,217,265]
[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,"2036-01-01",0,0,216,264]
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[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,"2022-03-01",0,0,50,98]
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[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,"2021-12-01",0,0,47,95]