500円玉貯金が（少なくとも48人の間で）流行っているようです。500円硬貨って大きさも厚さも重さもあっていかにも「お金」って感じしますもんね。
Lifehack的に毎日500円玉を貯金すればきっと大金持ちになるはず！
もちろん貯金箱に入れても入れた分以外は増えることがないので、（ささやかな利息がつく）銀行口座に貯金すると良いと思います。
複利計算の参考：3分LifeHacking：複利計算を“暗算”で行う - ITmedia Biz.ID
500円玉を毎日貯金していくといくらかになるのか
1日あたり貯金する金額（A）：¥500
年利（r）：0.74%（eBANKの定期預金金利より）
金利は金額によって変わるらしいのでそれも再現しようかと思ったけどめんどくさいからやめました。
あとeBANKは硬貨の入金を受け付けてないという意見は聞き入れません。
複利計算式=A*(365*303+366*97)/400*(1+r)^N
（1年あたりの貯金額の精度をやたらと上げていますが、酔狂です）
| 年数（貯金N年目） | 貯金1年目の元本の利息 | 貯金し続けた場合の合計貯金額 |
|---|---|---|
| 1 | ¥183,972.65 | ¥183,972.65 |
| 2 | ¥185,334.04 | ¥369,306.69 |
| 3 | ¥186,705.52 | ¥556,012.21 |
| 4 | ¥188,087.14 | ¥744,099.35 |
| 5 | ¥189,478.98 | ¥933,578.33 |
| 6 | ¥190,881.13 | ¥1,124,459.46 |
| 7 | ¥192,293.65 | ¥1,316,753.10 |
| 8 | ¥193,716.62 | ¥1,510,469.72 |
| 9 | ¥195,150.12 | ¥1,705,619.85 |
| 10 | ¥196,594.23 | ¥1,902,214.08 |
| 11 | ¥198,049.03 | ¥2,100,263.11 |
| 12 | ¥199,514.59 | ¥2,299,777.71 |
| 13 | ¥200,991.00 | ¥2,500,768.71 |
| 14 | ¥202,478.34 | ¥2,703,247.04 |
| 15 | ¥203,976.68 | ¥2,907,223.72 |
| 16 | ¥205,486.10 | ¥3,112,709.82 |
| 17 | ¥207,006.70 | ¥3,319,716.52 |
| 18 | ¥208,538.55 | ¥3,528,255.07 |
| 19 | ¥210,081.73 | ¥3,738,336.81 |
| 20 | ¥211,636.34 | ¥3,949,973.15 |
| 21 | ¥213,202.45 | ¥4,163,175.59 |
| 22 | ¥214,780.15 | ¥4,377,955.74 |
| 23 | ¥216,369.52 | ¥4,594,325.26 |
| 24 | ¥217,970.65 | ¥4,812,295.92 |
| 25 | ¥219,583.64 | ¥5,031,879.55 |
| 26 | ¥221,208.56 | ¥5,253,088.11 |
| 27 | ¥222,845.50 | ¥5,475,933.61 |
| 28 | ¥224,494.56 | ¥5,700,428.16 |
| 29 | ¥226,155.82 | ¥5,926,583.98 |
| 30 | ¥227,829.37 | ¥6,154,413.35 |
| 31 | ¥229,515.31 | ¥6,383,928.65 |
| 32 | ¥231,213.72 | ¥6,615,142.37 |
| 33 | ¥232,924.70 | ¥6,848,067.07 |
| 34 | ¥234,648.34 | ¥7,082,715.42 |
| 35 | ¥236,384.74 | ¥7,319,100.16 |
6年で100万円、16年で300万円、25年で500万円を貯めることができます。
貯金を元本として運用
複利計算式={A*(365*303+366*97)/400*(1+r)^N}*(1+r)^n
| 年数（貯金N年目）＼年数（運用n年目） | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | ¥185,334.04 | ¥186,705.52 | ¥188,087.14 | ¥189,478.98 | ¥190,881.13 | ¥192,293.65 | ¥193,716.62 | ¥195,150.12 | ¥196,594.23 | ¥198,049.03 |
| 2 | ¥372,039.56 | ¥374,792.65 | ¥377,566.12 | ¥380,360.11 | ¥383,174.77 | ¥386,010.27 | ¥388,866.74 | ¥391,744.36 | ¥394,643.27 | ¥397,563.63 |
| 3 | ¥560,126.70 | ¥564,271.64 | ¥568,447.25 | ¥572,653.76 | ¥576,891.39 | ¥581,160.39 | ¥585,460.98 | ¥589,793.39 | ¥594,157.86 | ¥598,554.63 |
| 4 | ¥749,605.68 | ¥755,152.76 | ¥760,740.89 | ¥766,370.38 | ¥772,041.52 | ¥777,754.62 | ¥783,510.01 | ¥789,307.98 | ¥795,148.86 | ¥801,032.96 |
| 5 | ¥940,486.81 | ¥947,446.41 | ¥954,457.51 | ¥961,520.50 | ¥968,635.75 | ¥975,803.66 | ¥983,024.60 | ¥990,298.99 | ¥997,627.20 | ¥1,005,009.64 |
| 6 | ¥1,132,780.46 | ¥1,141,163.03 | ¥1,149,607.64 | ¥1,158,114.73 | ¥1,166,684.78 | ¥1,175,318.25 | ¥1,184,015.61 | ¥1,192,777.32 | ¥1,201,603.87 | ¥1,210,495.74 |
| 7 | ¥1,326,497.08 | ¥1,336,313.15 | ¥1,346,201.87 | ¥1,356,163.77 | ¥1,366,199.38 | ¥1,376,309.25 | ¥1,386,493.94 | ¥1,396,754.00 | ¥1,407,089.98 | ¥1,417,502.44 |
| 8 | ¥1,521,647.20 | ¥1,532,907.39 | ¥1,544,250.90 | ¥1,555,678.36 | ¥1,567,190.38 | ¥1,578,787.59 | ¥1,590,470.62 | ¥1,602,240.10 | ¥1,614,096.68 | ¥1,626,040.99 |
| 9 | ¥1,718,241.43 | ¥1,730,956.42 | ¥1,743,765.50 | ¥1,756,669.36 | ¥1,769,668.72 | ¥1,782,764.26 | ¥1,795,956.72 | ¥1,809,246.80 | ¥1,822,635.23 | ¥1,836,122.73 |
| 10 | ¥1,916,290.46 | ¥1,930,471.01 | ¥1,944,756.50 | ¥1,959,147.70 | ¥1,973,645.39 | ¥1,988,250.37 | ¥2,002,963.42 | ¥2,017,785.35 | ¥2,032,716.96 | ¥2,047,759.07 |
| 11 | ¥2,115,805.06 | ¥2,131,462.02 | ¥2,147,234.84 | ¥2,163,124.37 | ¥2,179,131.49 | ¥2,195,257.07 | ¥2,211,501.97 | ¥2,227,867.08 | ¥2,244,353.30 | ¥2,260,961.51 |
| 12 | ¥2,316,796.06 | ¥2,333,940.35 | ¥2,351,211.51 | ¥2,368,610.48 | ¥2,386,138.19 | ¥2,403,795.62 | ¥2,421,583.70 | ¥2,439,503.42 | ¥2,457,555.75 | ¥2,475,741.66 |
| 13 | ¥2,519,274.40 | ¥2,537,917.03 | ¥2,556,697.61 | ¥2,575,617.18 | ¥2,594,676.74 | ¥2,613,877.35 | ¥2,633,220.04 | ¥2,652,705.87 | ¥2,672,335.89 | ¥2,692,111.18 |
| 14 | ¥2,723,251.07 | ¥2,743,403.13 | ¥2,763,704.31 | ¥2,784,155.73 | ¥2,804,758.48 | ¥2,825,513.69 | ¥2,846,422.49 | ¥2,867,486.02 | ¥2,888,705.41 | ¥2,910,081.83 |
| 15 | ¥2,928,737.18 | ¥2,950,409.83 | ¥2,972,242.86 | ¥2,994,237.46 | ¥3,016,394.82 | ¥3,038,716.14 | ¥3,061,202.64 | ¥3,083,855.54 | ¥3,106,676.07 | ¥3,129,665.47 |
| 16 | ¥3,135,743.88 | ¥3,158,948.38 | ¥3,182,324.60 | ¥3,205,873.80 | ¥3,229,597.27 | ¥3,253,496.29 | ¥3,277,572.16 | ¥3,301,826.19 | ¥3,326,259.71 | ¥3,350,874.03 |
| 17 | ¥3,344,282.42 | ¥3,369,030.11 | ¥3,393,960.94 | ¥3,419,076.25 | ¥3,444,377.41 | ¥3,469,865.81 | ¥3,495,542.81 | ¥3,521,409.83 | ¥3,547,468.26 | ¥3,573,719.53 |
| 18 | ¥3,554,364.16 | ¥3,580,666.45 | ¥3,607,163.39 | ¥3,633,856.39 | ¥3,660,746.93 | ¥3,687,836.46 | ¥3,715,126.45 | ¥3,742,618.39 | ¥3,770,313.76 | ¥3,798,214.08 |
| 19 | ¥3,766,000.50 | ¥3,793,868.90 | ¥3,821,943.53 | ¥3,850,225.91 | ¥3,878,717.59 | ¥3,907,420.10 | ¥3,936,335.01 | ¥3,965,463.88 | ¥3,994,808.32 | ¥4,024,369.90 |
| 20 | ¥3,979,202.95 | ¥4,008,649.05 | ¥4,038,313.05 | ¥4,068,196.57 | ¥4,098,301.22 | ¥4,128,628.65 | ¥4,159,180.50 | ¥4,189,958.44 | ¥4,220,964.13 | ¥4,252,199.27 |
| 21 | ¥4,193,983.09 | ¥4,225,018.57 | ¥4,256,283.71 | ¥4,287,780.21 | ¥4,319,509.78 | ¥4,351,474.15 | ¥4,383,675.06 | ¥4,416,114.26 | ¥4,448,793.50 | ¥4,481,714.57 |
| 22 | ¥4,410,352.61 | ¥4,442,989.22 | ¥4,475,867.34 | ¥4,508,988.76 | ¥4,542,355.28 | ¥4,575,968.71 | ¥4,609,830.88 | ¥4,643,943.62 | ¥4,678,308.81 | ¥4,712,928.29 |
| 23 | ¥4,628,323.27 | ¥4,662,572.86 | ¥4,697,075.90 | ¥4,731,834.26 | ¥4,766,849.83 | ¥4,802,124.52 | ¥4,837,660.24 | ¥4,873,458.93 | ¥4,909,522.53 | ¥4,945,852.99 |
| 24 | ¥4,847,906.91 | ¥4,883,781.42 | ¥4,919,921.40 | ¥4,956,328.82 | ¥4,993,005.65 | ¥5,029,953.89 | ¥5,067,175.55 | ¥5,104,672.65 | ¥5,142,447.23 | ¥5,180,501.34 |
| 25 | ¥5,069,115.46 | ¥5,106,626.92 | ¥5,144,415.95 | ¥5,182,484.63 | ¥5,220,835.02 | ¥5,259,469.20 | ¥5,298,389.27 | ¥5,337,597.35 | ¥5,377,095.57 | ¥5,416,886.08 |
| 26 | ¥5,291,960.96 | ¥5,331,121.47 | ¥5,370,571.77 | ¥5,410,314.00 | ¥5,450,350.32 | ¥5,490,682.92 | ¥5,531,313.97 | ¥5,572,245.69 | ¥5,613,480.31 | ¥5,655,020.07 |
| 27 | ¥5,516,455.52 | ¥5,557,277.29 | ¥5,598,401.14 | ¥5,639,829.31 | ¥5,681,564.04 | ¥5,723,607.62 | ¥5,765,962.31 | ¥5,808,630.44 | ¥5,851,614.30 | ¥5,894,916.25 |
| 28 | ¥5,742,611.33 | ¥5,785,106.66 | ¥5,827,916.44 | ¥5,871,043.03 | ¥5,914,488.75 | ¥5,958,255.96 | ¥6,002,347.06 | ¥6,046,764.42 | ¥6,091,510.48 | ¥6,136,587.66 |
| 29 | ¥5,970,440.70 | ¥6,014,621.96 | ¥6,059,130.16 | ¥6,103,967.73 | ¥6,149,137.09 | ¥6,194,640.70 | ¥6,240,481.04 | ¥6,286,660.60 | ¥6,333,181.89 | ¥6,380,047.44 |
| 30 | ¥6,199,956.01 | ¥6,245,835.68 | ¥6,292,054.87 | ¥6,338,616.07 | ¥6,385,521.83 | ¥6,432,774.69 | ¥6,480,377.22 | ¥6,528,332.02 | ¥6,576,641.67 | ¥6,625,308.82 |
| 31 | ¥6,431,169.73 | ¥6,478,760.38 | ¥6,526,703.21 | ¥6,575,000.81 | ¥6,623,655.82 | ¥6,672,670.87 | ¥6,722,048.64 | ¥6,771,791.80 | ¥6,821,903.06 | ¥6,872,385.14 |
| 32 | ¥6,664,094.43 | ¥6,713,408.73 | ¥6,763,087.95 | ¥6,813,134.80 | ¥6,863,552.00 | ¥6,914,342.28 | ¥6,965,508.42 | ¥7,017,053.18 | ¥7,068,979.37 | ¥7,121,289.82 |
| 33 | ¥6,898,742.77 | ¥6,949,793.47 | ¥7,001,221.94 | ¥7,053,030.98 | ¥7,105,223.41 | ¥7,157,802.06 | ¥7,210,769.80 | ¥7,264,129.50 | ¥7,317,884.05 | ¥7,372,036.40 |
| 34 | ¥7,135,127.51 | ¥7,187,927.46 | ¥7,241,118.12 | ¥7,294,702.39 | ¥7,348,683.19 | ¥7,403,063.45 | ¥7,457,846.12 | ¥7,513,034.18 | ¥7,568,630.63 | ¥7,624,638.50 |
| 35 | ¥7,373,261.50 | ¥7,427,823.64 | ¥7,482,789.53 | ¥7,538,162.17 | ¥7,593,944.57 | ¥7,650,139.76 | ¥7,706,750.80 | ¥7,763,780.75 | ¥7,821,232.73 | ¥7,879,109.85 |
例えば20年貯金したから、運用して「利息でちょっぴりリッチな生活」を望んだ場合、¥3,979,202.95-¥3,949,973.15より1年につき¥29,229.8を手に入れることができます。
月2435円程度の金じゃあ大したことないのでお年玉にでもしてくれ。
結論
- 500円玉貯金も侮れない
- 金利上げてぇ～
- お金のことを考えるだけで私の心は豊かになる
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