Information processing system, method for processing information, and program

Abstract

To provide an information processing system, a method, and a program which make it easier to have knowledge of a retirement set age at which assets will not be run out until the set age (e.g., expected age of death).SOLUTION: In a computer system, a processor includes: a search unit for searching for a retirement set age after prolongation at which assets will not be run out until the set age by using the income and the payment in a case where the retirement set age is prolonged by one year or more, if the retirement set age is younger than the oldest age at which a target employee may work in his / her company; and an output unit for outputting output information including information on the prolonged retirement set age at which assets will not be run out until the set age obtained by the search age.SELECTED DRAWING: Figure 2

Description

[Technical field]

[0001] The present invention relates to an information processing system, an information processing method, and a program. [Background technology]

[0002] Up until now, the total amount of assets of an employee at the time of his / her planned future retirement has been estimated. For example, Patent Document 1 discloses an asset formation system including a pension storage unit that stores pension information, a lump sum calculation unit that reads out the pension information from the pension storage unit and calculates the amount of a lump sum based on the pension information, a retirement allowance acquisition unit that obtains retirement allowance information, a benefit calculation unit that obtains the retirement allowance information from the retirement allowance acquisition unit and calculates the amount of retirement allowance benefit based on the retirement allowance information, a total amount calculation unit that calculates the total amount of benefits based on the amount of the lump sum and the amount of the retirement allowance benefit, and an asset calculation unit that calculates the total amount of assets at retirement based on the total amount of benefits at the time of the employee's planned retirement and the employee's current total assets. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] JP 2017-188069 A Summary of the Invention [Problem to be solved by the invention]

[0004] In recent years, the number of employees who do not work until retirement age has been increasing. However, when employees set their own retirement age, it is difficult to know when to set the retirement age so that their assets will not run out until the set age (for example, the expected age of death, such as 100 years old).

[0005] The present invention has been made in consideration of the above problems, and aims to provide an information processing system, information processing method, and program that make it easy to determine when to set a retirement age so that assets will not run out until the set age (e.g., expected age of death). [Means for solving the problem]

[0006] The information processing system according to a first aspect of the present invention comprises a search unit which, when the set retirement age is lower than the maximum working age of the company to which the target employee belongs, searches for an extended set retirement age at which assets will not run out until the set age, using income and expenditures if the set retirement age is extended by at least one year, and an output unit which outputs output information including information on the extended set retirement age at which assets will not run out until the set age obtained by the search.

[0007] An information processing system according to a second aspect of the present invention is the information processing system according to the first aspect, further comprising a judgment unit that judges whether the target employee's assets will not run out until the set age when a set retirement age is set, using information on the target employee's income at each age and information on expenses at each age, and if the result of said judgment is that the assets will run out before the set age, the search unit searches for an extended set retirement age at which the assets will not run out until the set age, and the output unit further outputs the judgment result by the judgment unit and the search result by the search unit. On the other hand, if the result of said judgment is that the assets will not run out before the set age, the search unit does not search, and the output unit outputs the judgment result by the judgment unit.

[0008] An information processing system according to a third aspect of the present invention is an information processing system according to the first or second aspect, and further includes an estimation unit that estimates the future age-based labor income of the target employee using the age-based salary increase rate of the affiliated company, and uses the age-based labor income to estimate the public pension, retirement allowance, and future age-based tax corresponding to the set retirement age, and when the set retirement age is extended by one year or more, the search unit searches for an extended set retirement age at which assets will not run out until the set age, using the estimated future age-based labor income, the public pension, retirement allowance (optionally with matching contributions and iDeCo contributions) determined by the set retirement age, the age-based tax determined by the set retirement age, and the target employee's expenses (e.g. living expenses, optionally with matching contributions and iDeCo contributions).

[0009] An information processing system according to a fourth aspect of the present invention is the information processing system according to the third aspect, further comprising a calculation unit that calculates an age-specific salary increase rate of labor income using the labor income of each employee provided by the affiliated company, and the estimation unit estimates the future age-specific labor income of the target employee using the age-specific salary increase rate of labor income calculated by the calculation unit, and estimates the public pension at the set retirement age using the future age-specific labor income.

[0010] An information processing system according to a fifth aspect of the present invention is an information processing system according to any of the third aspects, further comprising a calculation unit that calculates an age-based salary increase rate for retirement allowance calculation using retirement allowance calculation information for each employee provided by the affiliated company, and the estimation unit estimates future labor income for retirement allowance calculation using the age-based salary increase rate for retirement allowance calculation calculated by the calculation unit, and estimates the retirement allowance at the set retirement age using the future labor income for retirement allowance calculation.

[0011] An information processing system according to a sixth aspect of the present invention is an information processing system according to any one of the first to fifth aspects, wherein the search unit searches for an extended set retirement age at which assets will not run out until the set age by executing the process multiple times while changing the set retirement age, using income such as the public pension, the retirement allowance, and estimated future age-specific labor income determined by the set retirement age when the set retirement age is changed, and the future age-specific taxes determined by the set retirement age, and the target employee's expenses (e.g. living expenses, and optionally including matching contributions, iDeCo contributions, etc.), to determine whether assets will not run out until the set retirement age when the set retirement age is changed, and the output unit outputs output information including information on the extended set retirement age at which assets will not run out until the set age.

[0012] An information processing method according to a seventh aspect of the present invention comprises the steps of: when the set retirement age is lower than the maximum working age of the company to which the target employee belongs, searching for an extended set retirement age at which assets will not run out until the set age, using income and expenditure in the case where the set retirement age is extended by at least one year or more; and outputting output information including information on the extended set retirement age at which assets will not run out until the set age obtained by the search.

[0013] The program according to an eighth aspect of the present invention is a program for causing a computer to execute the steps of: when the set retirement age is lower than the maximum working age of the company to which the target employee belongs, searching for an extended set retirement age at which assets will not run out until the set age, using income and expenses if the set retirement age is extended by at least one year or more; and outputting output information including information on the extended set retirement age at which assets will not run out until the set age obtained by the search. Effect of the Invention

[0014] According to one aspect of the present invention, it is possible to easily determine when to set a retirement age so that assets will not run out until the set age (eg, expected age of death). [Brief description of the drawings]

[0015] [Figure 1] 1 is a schematic configuration diagram of an information processing system according to an embodiment of the present invention. [Diagram 2] FIG. 1 is a schematic configuration diagram of a computer system according to an embodiment of the present invention. [Diagram 3] 13 is a screen example of a registration form for registering company information. [Figure 4] This is an example of a registration form for registering lump-sum payment information and defined benefit pension plan (DB) information. [Diagram 5] This is a screenshot of a registration form for registering defined contribution (DC) pension information. [Figure 6] 13 is an example of a retirement allowance information file upload screen displayed on a company terminal. [Figure 7] 13 is an example of an employee information file upload screen displayed on a company terminal. [Figure 8] 13 is an example of a screen displayed on a company terminal after information registration. [Figure 9] 1A to 1C are schematic diagrams showing examples of screen transitions and calculation processes. [Figure 10] This is an example of a registration form screen that allows an employee to register their desired retirement age and current financial information on an employee terminal. [Figure 11] This is an example of a registration form for registering information about regular pension mailings sent by the Japan Pension Service. [Figure 12] 13 is a screen example of a registration form for registering DC subscriber information. [Figure 13] This is an example of a registration form screen for registering iDeCo information. [Figure 14] 13 is an example of a screen displayed on an employee terminal after information registration. [Figure 15] 1A to 1C are schematic diagrams showing examples of screen transitions and calculation processes. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0016] Hereinafter, each embodiment will be described with reference to the drawings. However, more detailed description than necessary may be omitted. For example, detailed description of already well-known matters or duplicate description of substantially the same configuration may be omitted. This is to avoid the following description becoming unnecessarily redundant and to facilitate understanding by those skilled in the art.

[0017] In addition to the above problems, when a retirement set age is set, it is difficult to grasp whether the target employee's assets will not run out until the set age. Furthermore, it is difficult to grasp whether the assets will not run out as a highly reliable result. A highly reliable result is calculated using income and expenditure that represent the actual salary increase of the company. The difficulty lies in the complexity of the calculation, because the information and calculation method required for the calculation differ for each company and for each employee belonging to the company. In this embodiment, this problem is also solved, and it is possible and easy to grasp whether the target employee's assets will not run out until the set age when a retirement set age is set as a highly reliable result. In this embodiment, for the sake of simplicity, as an example, a mode in which a service is provided to a single company and multiple employees belonging to the company will be described. However, the present invention is not limited to this, and the service may be provided to multiple companies and multiple employees belonging to each company, in which case data (for example, the salary increase rate by age of labor income, information of the company linked to the calculation method of retirement allowance, and information of employees of the company) may be stored for each company.

[0018] FIG. 1 is a schematic diagram of an information processing system according to this embodiment. As shown in FIG. 1, the information processing system S includes employee terminals 1-1, ..., 1-N (N is a natural number) used by employees, a computer system 2, and a corporate terminal 3 used by a company manager (e.g., a person in charge of the human resources department). Each of the employee terminals 1-1, ..., 1-N and the corporate terminal 3 is communicatively connected to the computer system 2 via a communication network CN. The employee terminals 1-1, ..., 1-N and the corporate terminal 3 are computers such as smartphones, tablet terminals, notebook computers, or personal computers, and include at least one processor, at least one memory, and at least one storage device (e.g., a hard disk). Hereinafter, the employee terminals 1-1, ..., 1-N are collectively referred to as employee terminals 1.

[0019] Fig. 2 is a schematic diagram of a computer system according to this embodiment. As shown in Fig. 2, the computer system 2 includes, as an example, an input interface 21, a communication module 12, a storage device 23, a memory 24, an output interface 25, and a processor 26. Note that, as one embodiment, the computer system 2 is described as including one processor 26, but may include multiple processors, i.e., it is sufficient to include one or more processors. Also, as one embodiment, the computer system 2 is described as including one storage device 23, but may include multiple processors, i.e., it is sufficient to include one or more storage devices.

[0020] The input interface 21 accepts input from an administrator of the computer system 2 (e.g., an employee of the management organization) and outputs an input signal corresponding to the accepted input to the processor 26. The communication module 22 is connected to the communication network CN and communicates with each of the employee terminals 1-1, ..., 1-N and the corporate terminal 3. This communication may be wired or wireless.

[0021] The storage device 23 is, for example, a storage device, and stores programs and various data to be read and executed by the processor 26. The memory 24 temporarily holds the data and programs. The memory 24 is a volatile memory, for example, a RAM (Random Access Memory).

[0022] The output interface 25 can be connected to an external device and can output a signal to the external device. The processor 26 loads a program from the storage device 23 into the memory 24 and executes a series of instructions included in the program, thereby functioning as a determination unit 262, a calculation unit 263, an estimation unit 264, a search unit 266, and an output unit 267.

[0023] <Screen transitions and calculation processing on corporate terminals> Next, using Figure 9, we will explain the screen transitions and calculation processing on the corporate terminal, referring to example registration form screens displayed on the corporate terminal shown in Figures 3 to 5, example file upload screens displayed on the corporate terminal shown in Figures 6 and 7, and an example of a screen displayed on the corporate terminal after information registration shown in Figure 8. Figure 3 is an example of a registration form screen for registering company information. Figure 4 is an example of a registration form screen for registering lump-sum payment information and defined benefit corporate pension (hereinafter also referred to as DB) information. Figure 5 is an example of a registration form screen for registering defined contribution pension (hereinafter also referred to as DC) information. Figure 6 is an example of a registration form screen for uploading a file of retirement benefit information. Figure 7 is an example of a registration form screen for uploading a file of employee information.

[0024] The screen G1 of the registration form in Fig. 3 is provided with a text box B13 for inputting the bonus frequency and a text box B14 for inputting the number of bonus months. The screen G1 of the registration form is also provided with a radio button B17 for selecting whether or not a lump sum payment system is introduced for the retirement allowance system. The screen G1 of the registration form is also provided with a radio button B19 for selecting whether or not a DB system is introduced. The screen G1 of the registration form is also provided with a radio button B21 for selecting whether or not the provisions of the lump sum payment system and the DB system are the same. The area R13 including the radio button B21 is displayed when "Yes" is selected in the radio button B17 for the lump sum payment system and "Yes" is selected in the radio button B19 by executing, for example, javascript or the like by the company terminal 3.

[0025] The registration form screen G1 also has a radio button B22 for selecting whether or not to introduce a DC system, and a radio button B23 for selecting whether or not to provide matching contributions. The area R14 including the radio button B23 is displayed by the company terminal 3 executing, for example, JavaScript, when "Yes" is selected for the matching contribution option in the radio button B22.

[0026] In Fig. 4, the information displayed differs depending on the calculation method selected. Screen G2a is an example of a screen when "Final salary proportional system" is selected as the calculation method using radio button B31, screen G2b is an example of a screen when "Flat rate system" is selected as the calculation method using radio button B31, and screen G2c is an example of a screen when "Point system" or "CB" is selected as the calculation method using radio button B31.

[0027] On screen G2a, when "Final salary proportional system" is selected using radio button B31, no text boxes or the like for input are displayed.

[0028] On the screen G2b, when "flat rate" is selected by the radio button B31, a text box B32 for inputting the accumulated annual amount is displayed by the company terminal 3 by executing, for example, JavaScript.

[0029] On screen G2c, when "point system" or "CB" is selected as the calculation method by using radio button B31, area R31 is displayed by the company terminal 3 executing, for example, JavaScript. On screen G2c, only when "CB" is selected as the calculation method using the radio button B31, an area R32 including a text box B46 for entering an interest rate is displayed, for example, below area R31 by the company terminal 3 executing, for example, JavaScript, etc.

[0030] Region R31 includes a text box B36 for inputting the point unit price.

[0031] In Fig. 5, the information displayed differs depending on the calculation formula selected. Screen G3a is an example of the screen when "Fixed rate" is selected as the calculation formula with radio button B51, screen G3b is an example of the screen when "Flat rate" is selected as the calculation formula with radio button B51, and screen G3c is an example of the screen when "Points" is selected as the calculation formula with radio button B51.

[0032] On screen G3a, when "Fixed rate system" is selected by radio button B51, a text box B53 for inputting the contribution calculation rate is displayed by the company terminal 3 executing, for example, JavaScript.

[0033] On screen G3b, when "flat rate" is selected by radio button B51, a text box B56 for inputting the monthly contribution amount is displayed by the company terminal 3 executing, for example, javascript or the like.

[0034] On screen G3c, when "Point System" is selected by the radio button B51, a text box B59 for inputting the point unit price is displayed by the company terminal 3 by executing, for example, JavaScript.

[0035] 3 to 5 to the computer system 2. Upon receiving this information, the processor 26 of the computer system 2 stores this information in the storage device 23.

[0036] Figure 6 is an example of a file upload screen for retirement benefit information displayed on a company terminal. On file upload screen G5a, a file (specifically, data G5b, for example) is uploaded that contains the lump sum / DB reduction rate and payment rate when the lump sum / DB calculation formula is a final salary proportional system, and DC service points when the DC calculation formula is a points system. Data G5b here is an example of information contained in the uploaded file. Data G5c to G5f are a summary of the information to be uploaded according to the lump sum / DB / DC calculation formula.

[0037] 6, when an upload operation is performed on the screen of Fig. 6, the company terminal 3 transmits the file to be uploaded to the computer system 2. When the processor 26 of the computer system 2 receives this file, it stores this file in the storage device 23.

[0038] FIG. 7 is an example of an employee information file upload screen displayed on a company terminal. The file upload screen G6a includes employee ID, age, years of service, and labor income, which are employee information as of the upload date. In addition, a file (specifically, for example, data G6b) is uploaded that includes the monthly salary for calculating retirement benefits when the lump-sum payment and DB calculation formula are proportional to the final salary, and the job title and rank points when the DC calculation formula is a points system. Here, data G6b is an example of information included in the file to be uploaded. Data G6c to G6f are a summary of the information to be uploaded according to the lump-sum payment, DB, and DC calculation formulas.

[0039] 7, the company terminal 3 transmits the file to be uploaded to the computer system 2. When the processor 26 of the computer system 2 receives this file, it stores the file in the storage device 23. The processor 26 also calculates the company's salary increase rate for each age by, for example, the least squares method in order to represent the actual state of salary increases according to each age (specifically, the salary increase rate by age of labor income calculated from the labor income of each employee, the lump sum calculated from the monthly salary for calculating retirement allowance, the salary increase rate by age of DB, and the salary increase rate by age of DC calculated from the position and grade points), and stores the calculation results in the storage device 23.

[0040] Figure 8 is an example of a screen displayed on a company terminal after information registration. The graphs showing the salary increase rates on screens G7a and G7b are displayed in order to visualize the salary increase rate by age of the labor income and the salary increase rate by age of the lump sum, calculated from the information including the labor income of each employee uploaded on screen G6a in Figure 7 and the monthly salary for calculating the retirement allowance of each employee when the lump sum calculation formula is a final salary proportional system. The graphs showing the reduction rate and payment rate on G7b are displayed in order to visualize the reduction rate by years of service and the payment rate by years of service of the lump sum, when the lump sum calculation formula uploaded on screen G5a in Figure 6 is a final salary proportional system.

[0041] Screen transitions and calculation processes in the company terminal 3 will be described with reference to Fig. 9. Fig. 9 is a schematic diagram showing an example of screen transitions and calculation processes. (Step S110) A registration form screen G1 for inputting company information is displayed. If "No lump sum" or "No DB" is selected, the process proceeds to step S170. If "With lump sum payment" or "Without DB" is selected, the screen transitions to screen G2a, G2b or G2c, which is a registration form for inputting lump sum payment information (step S120). If "No lump sum" or "With DB" is selected, the screen transitions to screen G2a', G2b' or G2c', which is a registration form for inputting DB information (step S130). If "With lump sum" and "With DB" are selected and the lump sum and DB regulations are the same, the screen transitions to screen G2a, G2b or G2c, which is a registration form for inputting lump sum information and DB information (step S140). If "With lump sum" or "With DB" is selected but the lump sum and DB regulations are not the same, the screen transitions to screen G2a, G2b or G2c of a registration form for inputting lump sum information (step S150), and then to screen G2a', G2b' or G2'c of a registration form for inputting DB information (step S160).

[0042] (Step S170) Only when "DC available" is selected on screen G1, screen G3 for inputting DC information is displayed. After registration, proceed to S180. Also, when "DC not available" is selected, nothing is displayed and proceed to S180.

[0043] (Step S180) The file upload screen G5a for severance pay information is displayed. After registration, proceed to S190. (Step S190) The employee information file upload screen G6a is displayed. After registration, the process proceeds to S200. (Step S200) Processor 26 calculates the age-specific salary increase rate of the affiliated company, for example, using the age and labor income in data G6b. That is, calculation unit 263 calculates the age-specific salary increase rate of labor income using the labor income of each employee provided by the affiliated company. Processor 26 also calculates the age-specific salary increase rate for retirement pay calculation, for example, using the age in data G6b and the lump sum or monthly salary for retirement pay calculation in DB. That is, calculation unit 263 calculates the age-specific salary increase rate for retirement pay calculation, using the retirement pay calculation information for each employee provided by the affiliated company. After the calculation process, proceed to S210. (Step S210) The management screen is displayed.

[0044] <Screen transitions and calculation processing on employee terminals> Next, referring to example form screens displayed on employee terminals in Figures 10 to 13 and an example of a screen displayed on a company terminal after information registration shown in Figure 14, the screen transitions and calculation processing on employee terminals will be explained using Figure 15. FIG. 10 is an example of a registration form screen for an employee to register their desired retirement age and current financial information on the employee terminal. Screen G11 in FIG. 10 displays a text box B111 for inputting the desired retirement age, a text box B112 for inputting the current asset balance, a text box B113 for inputting the current cost of living, and a text box B114 for inputting the current labor income. The desired retirement age here is the age at which the employee will retire in the future, as set by the employee. In this way, each employee can set the age at which they will retire in the future.

[0045] When an employee performs a registration operation on screen G11 of FIG. The processor 26 of the computer system 2 calculates the future age-specific labor income up to the maximum age at which one can work at the company (e.g., retirement age) based on, for example, the age-specific salary increase rate of the labor income of the target company stored in the memory device 23 and the current labor income entered on screen G11 (corresponding to part of step S220 in Figure 15).

[0046] <How to calculate labor income> Labor income = {Labor income [current age + 1], …, Labor income [current age + i], …}

[0047] Here, i is a natural number that represents an index. The calculation of each value is as follows:

number

[0048] Here, k is a natural number that represents an index. In this case, the salary increase rate [current age + k-1] refers to the corresponding age from the salary increase rate by age of labor income.

[0049] Then, the processor 26 of the computer system 2 calculates, for example, the bonus frequency and number of bonus months of the target company stored in the memory device 23, and the future age-specific standard monthly remuneration and the annual total of the future age-specific standard bonus from the calculated annual income up to the maximum age at which one can work at the company (e.g., retirement age) (corresponding to part of step S220 in Figure 15).

[0050] <Calculation method for standard monthly remuneration> Standard monthly remuneration = {Standard monthly remuneration [current age + 1], ..., Standard monthly remuneration [current age + i], ...}

[0051] The standard monthly remuneration is calculated based on the range of monthly remuneration amounts. Monthly remuneration = {Monthly remuneration [current age + 1], ..., Monthly remuneration [current age + i], ...}

[0052] The calculation of each value is as follows:

number

[0053] At this time, the labor income [current age + i] refers to the relevant age from the future labor income by age. The processor 26 searches for the amount range that the monthly remuneration [current age + i] falls into, and obtains the standard monthly remuneration [current age + i]. Here, the standard monthly remuneration [current age + i] may be obtained by inputting the monthly remuneration [current age + i] into a search function (x) for the standard monthly remuneration [current age + i] that uses the monthly remuneration [current age + i] as an argument x.

[0054] <Calculation method for annual total standard bonus> Annual sum of standard bonus = {Annual sum of standard bonus [current age + 1], …, Annual sum of standard bonus [current age + i], …}

[0055] The calculation of each value is as follows: Annual total of standard bonus [current age + i] = standard remuneration [current age + i] × number of months of bonus × bonus frequency

[0056] The processor 26 of the computer system 2 then stores, for example, the input desired retirement age, the input current financial information (specifically, current asset balance, current living expenses, current working income) and the calculation results in a database in the storage device 23.

[0057] Figure 11 is an example of a registration form screen for registering information on regular pension mailings sent by the Japan Pension Service. Screen G12 in Figure 11 displays a text box B121 for inputting the date of recording the regular pension mailing information, a text box B122 for inputting the standard monthly remuneration at the time of recording the information, and a text box B123 for inputting the annual total of the standard bonus at the time of recording the information.

[0058] Area R121 on screen G12 is information displayed to employees under the age of 50. Meanwhile, area R122 on screen G12 is information displayed to employees over the age of 50. This means that the information included in the pension regular mail changes at the age of 50, with those under 50 including the "annual pension amount based on past enrollment history" and those over 50 including the "type of old-age pension and expected amount (annual amount)" (for example, for those currently under 60, the estimated annual pension amount is calculated assuming that the current enrollment conditions will continue until age 60, and for those currently over 60, the annual pension amount is based on past enrollment history).

[0059] When "Pension amount according to past subscription history" is selected from the radio buttons B221 via the employee terminal 1, information in area R121 is displayed by, for example, executing JavaScript or the like on the employee terminal 1. On the other hand, when "Type of old-age pension and expected amount (annual amount)" is selected from the radio buttons B221 via the employee terminal 1, information in area R122 is displayed by, for example, executing JavaScript or the like on the employee terminal 1.

[0060] Area R121 includes a text box B222 for inputting the basic old-age pension amount, and a text box B223 for inputting the old-age employees' pension amount for the general employees' pension period. On the other hand, area R122 includes a text box B226 for inputting the basic old-age pension amount, and a text box B227 for inputting the old-age employees' pension amount (wage-proportional portion) for the general employees' pension period.

[0061] When an employee performs a registration operation on screen G12 of FIG. When the processor 26 of the computer system 2 receives this pension information, it calculates the public pension (basic old-age pension) by retirement age up to the maximum age at which one can work for the company (for example, the mandatory retirement age) based on, for example, the date of recording of the regular pension mailing information contained in the pension information and the basic old-age pension (specifically, the amount at the time of recording for those under 50 years old, and the amount at age 60 for those 50 years old or older) (corresponding to part of step S240 in Figure 15).

[0062] <Calculation method for basic old-age pension> Basic old-age pension = {basic old-age pension [current age + 1], ..., basic old-age pension [current age + i], ...}

[0063] The basic amount of the old-age basic pension is calculated because the basic amount is subject to an increase or decrease rate depending on the age at which you receive the pension.

[0064] Under 50 years old The calculations are based on the assumption that payments into the basic old-age pension will continue until age 60.

number

[0065] Age 50 or older Basic amount = amount at age 60

[0066] The calculation of each value is as follows: When current age + i ≦ 60 Basic old-age pension [current age + i] = basic amount × 0.76 When 61≦current age+i≦65 Basic old-age pension [current age + i] = basic amount × (0.76 + (current age + i - 60) × 0.0048) When 66≦current age+i≦75 Basic old-age pension [current age + i] = basic amount × (1 + (current age + i - 65) × 0.08)

[0067] Processor 26, for example, calculates the public pension (old-age employees' pension) by retirement age up to the maximum age at which one can work for the company (e.g., mandatory retirement age) by referring to the date and year of information recording contained in the pension information, the standard monthly remuneration at the time of information recording, the annual total of the standard bonus at the time of information recording, the old-age employees' pension (specifically, the amount at the time of recording for those under 50 years old, and 60 years old or older, and the amount at age 60 for those 50 to 60 years old), the calculated future standard monthly remuneration by age, and the future annual total of the standard bonus by age (corresponding to part of step S240 in Figure 15).

[0068] <Calculation method for old-age employees' pension> Old-age employees' pension = {Old-age employees' pension [current age + 1], ..., Old-age employees' pension [current age + 1], ...}

[0069] For old-age employees' pension insurance, the basic amount is calculated because the increase and decrease rates are applied to the basic amount depending on the age at which you receive the pension. Basic amount = {Basic amount [current age + i], …, Basic amount [current age + i], …}

[0070] The calculation of each value of the base amount is as follows:

number

[0071] At this time, the current amount is Under 50 years old, Over 60 years old

number

[0072] Age 50 to under 60

number

[0073] In addition, since the revaluation rate varies from year to year, a search function (x) for the revaluation rate can be prepared in advance with the year in which the pension regular mail information was recorded as an argument x, and the revaluation rate can be obtained by inputting the relevant year.

[0074] The standard monthly remuneration [current age + k] and the annual total of the standard bonus [current age + k] refer to the relevant age from the future standard monthly remuneration by age and the future annual total of the standard bonus by age, respectively.

[0075] The calculation of each value of the old-age employees' pension is as follows. When current age + i ≦ 60 Old-age Employees' Pension Insurance [current age + i] = Basic amount [current age + i] × 0.76 When 61≦current age+i≦65 Old-age employees' pension [current age + i] = basic amount [current age + i] × (0.76 + (current age + i - 60) × 0.048) When 66≦current age+i≦75 Old-age employees' pension [current age + i] = basic amount [current age + i] × (1 + (current age + i - 65) × 0.08)

[0076] The processor 26 of the computer system 2 stores, for example, the received pension information and the above calculation results in a database in the storage device 23 .

[0077] Figure 12 is an example of a registration form screen for registering DC subscriber information. On the screen G13 of FIG. 12, a text box B131 for inputting the current cumulative amount of the business operator's receivables is included. Also, the area R131 is displayed only as an example when there is matching contribution. In the area R131, a text box B133 for inputting the current cumulative amount of the matching contribution, a radio button B134 for selecting the current presence or absence of the matching contribution, and an area R132 that is hidden when there is no current contribution and is displayed when there is a current contribution are included. The area R132 includes a text box B135 for inputting the current monthly amount of the matching contribution.

[0078] When registered on the screen G13 of FIG. 12, the processor 26 may execute the following processing. · Based on the current cumulative amount of the business owner's receivables included in the DC information, the calculation formula of the target company stored in the storage device 23, and the information associated with the calculation formula (specifically, when it is a point system, the current position / grade points, point unit price, continuous service points by continuous service years, salary increase rate by age. When it is a fixed rate system, the current monthly amount for calculating the contribution amount, contribution amount calculation ratio, salary increase rate by age. When it is a fixed amount system, the monthly contribution amount.), the processor 26 calculates the amount of the retirement benefit (DC) by retirement age up to the maximum receiving age (for example, the retirement age) (corresponding to a part of step S260 in FIG. 15).

[0079] <Calculation method of DC> DC = {DC[current age + 1], …, DC[current age + i]…} The calculation of each value is as follows.

[0080] · Point system

Equation

[0081] The labor income [current age + k] for calculating the retirement benefit is obtained by the processor 26 referring to the corresponding age from the future labor income for calculating the retirement benefit by age. The second term on the right side of the above equation is expressed as follows. Labor income for retirement benefit calculation = {Labor income for retirement benefit calculation [current age + 1], ..., Labor income for retirement benefit calculation [current age + k], ...}

[0082] Here, labor income [current age + k] for calculating retirement benefits is expressed by the following formula. Labor income for retirement allowance calculation [current age + k] = (job title / grade points [current age + k] + service points [current years of service + k]) x point cost x 12

[0083] Here, the position / grade points [current age + k] on the right side of the above equation is expressed by the following equation.

number

[0084] In this case, the pay increase rate [current age + j-1] is obtained by the processor 26 referring to the corresponding age from the pay increase rate by age. Also, the service points [current years of service + k] are obtained by the processor 26 referring to the corresponding age from the service points by years of service.

[0085] Fixed rate system

number

[0086] The labor income for retirement allowance calculation [current age + k] is obtained by the processor 26 referring to the labor income for retirement allowance calculation by future age and the corresponding age. The second term on the right side of the above equation is expressed as follows. Labor income for retirement benefit calculation = {Labor income for retirement benefit calculation [current age + 1], ..., Labor income for retirement benefit calculation [current age + k], ...}

[0087] Here, labor income [current age + k] for calculating retirement benefits is expressed by the following formula.

number

[0088] ·Flat rate system

number

[0089] If the current cumulative amount of matching contributions included in the DC information is greater than 0, processor 26 calculates the amount of matching contributions by retirement age up to the maximum age for receiving benefits (e.g., mandatory retirement age) based on the current cumulative amount and monthly amount of matching contributions (however, if there is no current contribution, the amount is 0) (corresponding to part of step S260 in Figure 15).

[0090] <How Matching Contributions are Calculated> Matching Contribution = {Matching Contribution [Current Age + 1], …, Matching Contribution [Current Age + i], …}

[0091] The calculation of each value is as follows:

number

[0092] Then, the processor 26 stores the DC information inputted on the screen G13 of FIG.

[0093] Figure 13 is an example of a registration form screen for registering iDeCo information. Screen G14 in Figure 13 includes a radio button B141 for selecting whether or not the user is currently enrolled in iDeCo, and an area R141 that is hidden when the user is not enrolled in iDeCo and is displayed when the user is enrolled in iDeCo. Area R141 includes a text box B142 for entering the current accumulated amount of iDeCo, and a text box B143 for entering the current monthly amount of iDeCo.

[0094] When registered on the screen G14 of FIG. 13, the processor 26 may execute the following processing. In the case of iDeCo enrollment, based on the current cumulative amount and monthly amount of iDeCo information, the processor 26 calculates the iDeCo contribution amount by retirement age up to the maximum receiving age (for example, the retirement age at the end of employment) (corresponding to step S280 in FIG. 15).

[0095] <Calculation method of iDeCo> The iDeCo contribution amount by retirement age (hereinafter also referred to as the iDeCo contribution amount) is calculated by the following formula. iDeCo contribution amount = {iDeCo contribution amount[current age + 1], …, iDeCo contribution amount[current age + i], …}

[0096] The calculation of each value is as follows. [Number]

[0097] Then, the processor 26 stores the iDeCo information registered on the screen G14 of FIG. 13 and the calculation result in the database of the storage device 23.

[0098] When registered on the screen G13 of FIG. 12 or the screen G14 of FIG. 13, the processor 26 may execute the following processing. · In the case of lump sum or DB introduction, based on the lump sum formula or DB formula of the target company stored in the storage device 23 and the information associated with the formula (specifically, when it is the final salary ratio system, the current monthly retirement benefit calculation, the payment rate by years of service, the reduction rate by years of service, the salary increase rate by age. When it is the point system or CB system, the current cumulative points, the current position / rank points, the point unit price, the interest rate, the service points by years of service, the reduction rate by years of service, the salary increase rate by age. When it is the fixed amount system, the accumulated annual amount, the reduction rate by years of service.), the processor 26 calculates the retirement benefit (lump sum or DB) amount by retirement age up to the maximum receiving age (for example, the retirement age at the end of employment) (corresponding to step S290 in FIG. 15).

[0099] <Calculation method of lump sum / DB> Lump sum · DB = {Lump sum · DB[current age + 1], …, Lump sum · DB[current age + i], …}

[0100] The calculation of each value is as follows: Final salary proportional system Lump sum · DB [current age + i] = Labor income for retirement allowance calculation [current age + i] × Payment rate [current years of service + i] × Reduction rate [current years of service + i]

[0101] The labor income for calculating retirement benefits [current age+i] is obtained by the processor 26 by referring to the labor income for calculating future retirement benefits by age and by the corresponding age.

[0102] The labor income [current age + i] used in the above retirement benefit calculation is expressed by the following formula.

number

[0103] The payment rate [current length of service + i] and reduction rate [current length of service + i] are obtained by the processor 26 referring to the relevant length of service from the payment rate by length of service and reduction rate by length of service.

[0104] ·Point system ·CB system

number

[0105] Labor income for retirement allowance calculation [current age + k] refers to the corresponding age from labor income for retirement allowance calculation by future age. Here, the total labor income for retirement allowance calculation calculated by Σ in the first term on the right-hand side is expressed by the following formula. Labor income for retirement benefit calculation = {Labor income for retirement benefit calculation [current age + 1], ..., Labor income for retirement benefit calculation [current age + k], ...}

[0106] Here, labor income [current age + k] for calculating retirement benefits is expressed by the following formula:

number

[0107] In addition, the service points [current years of service + k] and the reduction rate [current years of service + k] are obtained by the processor 26 referring to the relevant years of service from the service points by years of service and the reduction rate by years of service. When using the points system, the interest rate value is set to 1.

[0108] ·Flat rate system Lump sum · DB [current age + i] = accumulated annual amount × (current years of service + i) × reduction rate [current years of service + i]

[0109] The reduction rate [current length of service+i] is obtained by the processor 26 referring to the corresponding length of service from the reduction rates by length of service. The processor 26 then stores the calculation result in the database of the storage device 23.

[0110] When registration is made on screen G13 of Figure 12 or screen G14 of Figure 13, processor 26 performs a calculation process for the asset balance by age and the retirement age at which assets will not run out until age 100 based on the set retirement age, current asset balance, income information (e.g., calculated future labor income by age, public pension (basic old-age pension, employee's old-age pension) by retirement age, retirement allowance (DC, lump sum, DB) by retirement age, matching contribution amount by retirement age, iDeCo contribution amount by retirement age), and expenditure information (e.g., current living expenses, current monthly matching contribution amount, current monthly iDeCo amount) stored in memory device 23 (corresponding to step S300 of Figure 15).

[0111] <How to calculate asset balance> Asset balance = {asset balance [current age + 1], ..., asset balance [current age + i], ..., asset balance

[0100] }

[0112] The calculation of each value is as follows:

number

[0113] The calculation of income [current age + k] is as follows: When current age + k < retirement age Income [current age + k] = Labor income [current age + k]

[0114] At this time, the labor income [current age + k] is obtained by the processor 26 referring to the relevant age from the future labor income by age.

[0115] When current age + k = retirement age Income [current age + k] = DC [set retirement age] + matching contribution [set retirement age] + iDeCo [set retirement age] + lump sum [set retirement age] + DB [set retirement age]

[0116] In this case, DC [set retirement age], matching contribution [set retirement age], iDeCo [set retirement age], lump sum [set retirement age], and DB [set retirement age] are obtained by processor 26 referring to the relevant ages from the retirement benefit by retirement age (DC, lump sum, DB), matching contribution by retirement age, and iDeCo by retirement age.

[0117] When retirement age + 1 ≦ current age + k Income [current age + k] = basic pension [set retirement age] + employee pension [set retirement age] At this time, the processor 26 refers to the relevant ages for the basic old-age pension [set retirement age] and the employees' old-age pension [set retirement age] from the public pensions (basic old-age pension, employees' old-age pension) according to retirement age.

[0118] The calculation of expenditure [current age + k] is as follows: When current age + k ≤ retirement age Expenses [current age + k] = current living expenses + current monthly matching contribution x 12 + current monthly iDeCo contribution x 12 + taxes [current age + k]

[0119] When retirement age < current age + k Expenses [current age + k] = current living expenses + taxes [current age + k]

[0120] At this time, the processor 26 may refer to the relevant age from the taxes by age in the future calculated as follows, for example, for the tax [current age + k]. For example, the taxes include social insurance premiums, income tax, and resident tax. Tax = {tax [current age + 1], ..., tax

[0100] }

[0121] (1) Current age + i ≤ retirement age Tax [current age + k] = labor income [current age + k] × tax burden rate according to income Here, the labor income [current age + k] is obtained by the processor 26 referring to the relevant age from the future labor income by age.

[0122] (2) When the retirement age is less than the current age + i (2-1) When retirement age is less than 60 (2-1-1) Current age + k < 60 Tax [current age + k] = 0

[0123] (2-1-2) When 60≦current age+k Tax [current age + k] = (basic old-age pension [set retirement age] + employees' old-age pension [set retirement age]) x tax burden rate according to income

[0124] (2-2) If your retirement age is 60 or less Tax [current age + k] = (basic old-age pension [set retirement age] + employees' old-age pension [set retirement age]) x tax burden rate according to income

[0125] The basic old-age pension [set retirement age] and the employees' old-age pension [set retirement age] are obtained by the processor 26 by referring to the relevant age from the public pensions (basic old-age pension, employees' old-age pension) according to the retirement age.

[0126] Here, the tax burden rate according to income varies depending on the income (e.g., labor income, public pension (=basic old-age pension + employee's old-age pension)), so a search function (x) for a rate with income as an argument x may be prepared in advance, and the processor 26 may obtain the rate by inputting the relevant income.

[0127] <How to calculate retirement age so that your assets do not run out until age 100> (1) Asset balance at retirement age calculated above (1-1) If there are no elements in the asset balance that are less than 0, the calculation ends. As a result, for example, "Your assets are not expected to run out until you reach retirement age (set retirement age) and age 100" is displayed on employee terminal 1.

[0128] (1-2) When the asset balance is less than or equal to 0 (1-2-1) If the retirement age is less than the maximum age at which one can work, add 1 to the retirement age to calculate the asset balance. Go to (2). (1-2-2) When the retirement age is equal to the maximum age at which one can work, the calculation ends because no more can be added. As a result, for example, "Even if you extend your retirement age from (retirement age) years to (maximum age at which one can work) years, your assets are expected to run out by age 100" is displayed on employee terminal 1.

[0129] (2) Calculate the asset balance at the retirement age + j (1≦j). (2-1) If there are no elements in the asset balance that are less than 0, the calculation ends. As a result, for example, "By extending the retirement age from (set retirement age) years to (set retirement age + j) years, it is expected that the assets will not run out until age 100" is displayed on employee terminal 1.

[0130] (2-2) When the asset balance is less than or equal to 0 (2-2-1) If the retirement age + j < the maximum age at which one can work, add 1 to the retirement age + j to calculate the asset balance. Go to (2). (2-2-2) When the retirement age + j = the maximum age at which one can work, the calculation ends because no more can be added. As a result, for example, "Even if you extend your retirement age from (retirement age) years to (maximum age at which one can work) years, your assets are expected to run out by age 100" is displayed on employee terminal 1.

[0131] Figure 14 is an example of a screen after registering information. As shown in Figure 14, the result and the asset balance trend are displayed on the final screen G15. The result includes a retirement age extension measure that will not run out of assets until the set age (e.g., age 100) if the assets will run out by the set age (e.g., age 100). The retirement age extension measure includes, for example, an extended retirement age to prevent assets from running out by the set age (e.g., age 100).

[0132] Screen transitions on the employee terminal 1 will be described with reference to Fig. 15. Fig. 15 is a schematic diagram showing an example of screen transitions and calculation processing. (Step S210) The screen G11 of the retirement age and current money registration form is displayed. (Step S220) The information registered on the screen G11 is sent to the computer 2, and the processor 26 performs calculation processing of the annual total of the labor income, the standard monthly remuneration, and the standard bonus. (Step S230) Next, the pension information registration form screen G12 is displayed. (Step S240) The information registered on screen G12 is sent to computer 2, and processor 26 performs calculation processing for public pensions (basic old-age pension and old-age employees' pension). After the calculation processing, if DC is introduced, proceed to step S250. If DC is not introduced, proceed to step S270.

[0133] (Step S250) The DC information registration form screen G13 is displayed. (Step S260) The information registered on screen G13 is sent to computer 2, and processor 26 performs calculation processing of retirement benefits (DC) and matching contributions. After the calculation processing, if matching contributions are used, proceed to step S290. On the other hand, if matching contributions are not used, proceed to step S270. (Step S270) Screen G14 of the iDeCo information registration form is displayed. (Step S280) The information registered on screen G14 is sent to the computer 2, and the processor 26 performs calculation processing for iDeCo. After the calculation processing, proceed to step S290. (Step S290) After the calculation process in step S260 or step S280, the processor 26 performs a calculation process for the severance pay (lump sum·DB). After the calculation process, the process proceeds to step S300. (Step S300) After the calculation process in step S290, the processor 26 performs calculation process of the asset balance and the retirement age at which the assets will not run out until age 100. After the calculation process, the process proceeds to step S310. (Step S310) After the calculation process in step S300, the screen G15 after information registration is displayed.

[0134] As described above, the information processing system S according to this embodiment includes a search unit 266 that, when the set retirement age is lower than the maximum age at which the target employee can work at the company to which the employee belongs (for example, the mandatory retirement age), searches for a set retirement age after extension that will not exhaust assets until the set age, using income and expenditures in the case where the set retirement age is extended by at least one year or more. Furthermore, the information processing system S searches for a set retirement age obtained by the search, An output unit 267 is provided that outputs output information including information regarding the extended set retirement age at which assets are not exhausted (for example, the extended set retirement age at which assets are not exhausted until the set age or the number of years to extend the set retirement age).

[0135] With this configuration, if an extended set retirement age is found that will not cause assets to run out until the set age, output information including that extended set retirement age is output, making it easy to determine what the set retirement age should be so that assets will not run out until the set age (for example, the expected age of death).

[0136] In addition, the information processing system S according to this embodiment is equipped with a judgment unit 262 that uses information regarding the income of the target employee at each age and information regarding expenses at each age to judge whether the target employee will run out of assets until the set retirement age is set. In this case, if the result of the determination is that the assets will run out before the set age, the search unit 266 may search for an extended set retirement age at which the assets will not run out until the set age, and the output unit 267 may output the determination result by the determination unit 262 (i.e., the determination result as to whether the target employee's assets will not run out until the set age) and the search result by the search unit 266. On the other hand, if the assets will not run out before the set age, the search unit 266 may not search, and the output unit 267 may output the determination result by the determination unit 262.

[0137] This configuration allows the target employee to further understand whether or not the target employee will run out of assets by the set age.

[0138] The estimation unit 264 may also estimate the target employee's future age-specific labor income using the age-specific salary increase rate of the labor income of the company to which the employee belongs, and use the age-specific labor income to estimate the public pension, retirement allowance (and optionally matching contribution amount and iDeCo contribution amount) and future age-specific tax corresponding to the set retirement age.

[0139] In this case, the search unit 266 searches for an extended retirement age that will not exhaust assets until the set age, using future age-specific income (specifically, public pensions, retirement benefits, and optional matching contributions and iDeCo contributions determined by the estimated future age-specific labor income and the set retirement age) and future age-specific expenses (specifically, future age-specific taxes determined by the set retirement age, and the target employee's expenses (living expenses, and optional matching contributions and iDeCo contributions)) if the set retirement age is extended by one year or more.

[0140] With this configuration, the future age-specific labor income of the target employee is estimated using the age-specific salary increase rate of the labor income of the target employee's company, so the estimation accuracy is high because the age-specific labor income, which is the income during the employment period, represents the actual salary increase rate of the company to which the target employee belongs. Furthermore, since the public pension by retirement age is also estimated, the public pension, which is the income after retirement, also represents the actual salary increase rate of the company to which the target employee belongs, so the estimation accuracy is high. Therefore, by using the age-specific salary increase rate of labor income, it is possible to increase the credibility of the results of searching for a retirement age after the extension that will not run out of assets until the set age when the retirement age is extended by one year or more.

[0141] Furthermore, with this configuration, the retirement allowance by retirement age of the target employee is estimated using the age-specific salary increase rate in the retirement allowance calculation information of the target employee's company, so the estimation accuracy is high because the retirement allowance that will be the income at the time of retirement represents the actual salary increase of the company. Therefore, by using the age-specific salary increase rate in the retirement allowance calculation information, it is possible to increase the credibility of the results of searching for a retirement age after extension that will not run out of assets until the set age when the retirement age is extended by one year or more.

[0142] The information processing system S further includes a calculation unit 263 that calculates the age-specific salary increase rate of the labor income by using the labor income of each employee provided by the affiliated company. In this case, the estimation unit 264 may estimate the target employee's future age-specific labor income, the future age-specific standard monthly remuneration and the annual total of the future age-specific standard bonus, and the public pension by retirement age by using the age-specific salary increase rate of the labor income calculated by the calculation unit 263. The calculation unit 263 may use the retirement allowance calculation information of each employee provided by the affiliated company to calculate the age-specific salary increase rate of the retirement allowance calculation information. In this case, the estimation unit 264 may estimate the retirement allowance by retirement age using the age-specific salary increase rate of the retirement allowance calculation information calculated by the calculation unit 263.

[0143] As a result, the age-specific salary increase rate of labor income is calculated using the labor income of each employee provided by the employee's company, and since the age-specific salary increase rate of labor income represents the actual salary increase situation at the employee's company, it can be said that the estimation accuracy using the salary increase rate is high. In addition, the age-specific salary increase rate in the retirement allowance calculation information is calculated using the retirement allowance calculation information for each employee provided by the employee's company. Therefore, since the age-specific salary increase rate in the retirement allowance calculation information represents the actual salary increases at the employee's company, the estimation accuracy using the salary increase rate can be said to be high.

[0144] The search unit 266 may search for an extended retirement age at which assets will not run out until the set age by executing the determination of whether assets will not run out until the set age when the retirement age is changed multiple times by changing the retirement age using income such as the public pension, retirement allowance, and estimated future age-specific labor income determined by the retirement age after the change, taxes by age determined by the retirement age, and information on the target employee (living expenses, matching contribution amount, iDeCo contribution amount). In this case, the output unit 267 may output output information including information on the extended retirement age at which assets will not run out until the set age. Here, the information on the extended retirement age at which assets will not run out until the set age may be the extended retirement age at which assets will not run out until the set age, or may be the number of years by which the retirement age is extended.

[0145] This configuration allows the target employee to obtain information regarding the extended set retirement age at which the employee's assets will not run out until the set age.

[0146] At least a part of the computer system 2 described in the above embodiment may be configured with hardware or software. When configured with software, a program that realizes at least a part of the functions of the computer system 2 may be stored in a computer-readable recording medium and read and executed by a computer. The recording medium is not limited to removable ones such as magnetic disks and optical disks, but may be fixed recording media such as hard disk drives and memories.

[0147] Also, a program that realizes at least a part of the functions of the computer system 2 may be distributed via a communication line (including wireless communication) such as the Internet. Furthermore, the program may be encrypted, modulated, or compressed and distributed via a wired line or wireless line such as the Internet, or stored on a recording medium.

[0148] Furthermore, the computer system 2 may be operated by one or more information devices. When multiple information devices are used, one of the devices may be a computer, and the computer may execute a predetermined program to realize the functions as at least one of the means of the computer system 2.

[0149] In the method invention, all the steps may be realized by automatic control using a computer. Alternatively, each step may be performed by a computer while the progress between steps is controlled manually. Furthermore, at least some of the steps may be performed manually.

[0150] As described above, the present invention is not limited to the above-described embodiment as it is, and in the implementation stage, the components can be modified and embodied without departing from the gist of the invention. In addition, various inventions can be formed by appropriately combining the multiple components disclosed in the above-described embodiment. For example, some components may be deleted from all the components shown in the embodiment. Furthermore, components from different embodiments may be appropriately combined. [Explanation of symbols]

[0151] 1 Employee terminal 2. Computer Systems 21 Input Interface 22 Communication Module 23 Storage device 24 Memory 25 Output Interface 26 processors 262 Judgment section 263 Arithmetic section 264 Estimation Department 266 Search Department 267 Output section 3. Corporate terminals

Claims

1. a search unit that, when the set retirement age is lower than the maximum age at which the target employee can work at the company to which the target employee belongs, searches for a set retirement age after extension that will not exhaust assets until the set age, using income and expenditures in the case where the set retirement age is extended by at least one year or more; an output unit that outputs output information including information about a retirement age after extension obtained by the search, which does not run out of assets until the set age; An information processing system comprising:

2. The system further includes a determination unit that uses information on the income of the target employee at each age and information on the expenditure at each age to determine whether the target employee will run out of assets until the set retirement age is set, If the result of the determination is that the assets will run out before the set age, the search unit searches for an extended retirement set age at which the assets will not run out until the set age, and the output unit further outputs the determination result by the determination unit and the search result by the search unit. On the other hand, if the result of the determination is that the assets will not run out before the set age, the search unit does not search, and the output unit outputs the determination result by the determination unit. The information processing system according to claim 1 .

3. The present invention further includes an estimation unit that estimates the future age-based labor income of the target employee using the age-based salary increase rate of the company to which the target employee belongs, and estimates the public pension, retirement allowance, and future age-based tax corresponding to the set retirement age using the age-based labor income; The search unit searches for an extended retirement age that will not exhaust assets until the set age when the retirement age is extended by one year or more, using the estimated future age-specific labor income, the public pension determined by the retirement age, retirement benefits, age-specific taxes determined by the retirement age, and the expenditures of the target employee.

3. The information processing system according to claim 1 or 2.

4. Further comprising a calculation unit for calculating an age-based salary increase rate of the labor income of each employee using the labor income of each employee provided by the affiliated company; The estimation unit estimates the future age-specific labor income of the target employee using the age-specific salary increase rate of the labor income calculated by the calculation unit, and estimates the public pension at the set retirement age using the future age-specific labor income. The information processing system according to claim 3 .

5. The system further includes a calculation unit for calculating an age-based salary increase rate for calculating the retirement allowance of each employee using the retirement allowance calculation information of each employee provided by the employee's company; The estimation unit estimates future labor income for calculating the retirement allowance using the age-based salary increase rate for calculating the retirement allowance calculated by the calculation unit, and estimates the retirement allowance at a set retirement age using the future labor income for calculating the retirement allowance. The information processing system according to claim 3 .

6. the search unit searches for an extended retirement age at which assets will not run out until the set age by executing a determination as to whether assets will not run out until the set age if the retirement age is changed multiple times by changing the number of years to be changed, using income such as the public pension, the retirement allowance, and the estimated future labor income by age determined by the retirement age after the change, future taxes by age determined by the retirement age, and expenses of the target employee; The output unit outputs output information including information regarding a set retirement age after extension in which assets are not exhausted until the set age. The information processing system according to claim 1 .

7. When the retirement age is lower than the maximum age at which the employee can work at the company to which the employee belongs, a procedure for searching for a retirement age after extension that will not exhaust assets until the retirement age is set by using income and expenditures that would be incurred if the retirement age were extended by at least one year or more; outputting output information including information on the extended retirement age obtained by the search, which does not run out of assets until the set age; An information processing method comprising the steps of:

8. On the computer, When the retirement age is lower than the maximum age at which the employee can work at the company to which the employee belongs, a procedure for searching for a retirement age after extension that will not exhaust assets until the retirement age is set by using income and expenditures that would be incurred if the retirement age were extended by at least one year or more; outputting output information including information on the extended retirement age obtained by the search, which does not run out of assets until the set age; A program for executing the above.

Images