Retirement Calculator & Planner Demo

7/27/2019 Retirement Calculator & Planner Demo

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InstructionsYou may move from worksheet to worksheet by clicking on the dark blue buttonslocated on each worksheet or the blue tabs at the bottom of each worksheet.

Use drop down boxes , arrow buttons or white cells to enter in y

Use your mouse, return or arrow keys to move to the next input box or button.Be conservative with your assumptions. Assuming aggressive scenarios will generate improbablRed marked boxes provide additional comments when the mouse pointer is placed over the mark

1. Solve for: Through a series of financial calculations, the Retirement Calculator determines:

a The age at which you will run out of retirement fundsa Whether you're contributing enough to your retirement plana How much you can spend during retirementa The earliest year in which you can retire

2. Personal Information: Enter age (you and spouse), desired retirement age (you and spouse)

3. Retirement Savings & Contributions: Enter the amount you and your spouse contribute to y

You may adjust/increase future contributions for inflation (401k/Other) or match that of theallowable (IRA/Roth IRA) by checking the boxes to the right of the dollar amounts. If you hyou would like to add to the list, click the Need additional lines for other investments? link a

Time your contributions: You may determine (by using the drop down box to the right of th

the timing of your retirement plan contributions:

4. Pre-Retirement Asset Allocation and Retirement Asset Allocation

Pre-Retirement Asset Allocation: Use the drop down boxesSix options are provided along with their appropriate historical returns. You may customizeon the *Want to change investment options? link on the bottom of the page.

You may choose to gradually reallocate your assets (as you would in real life) from your Pr

to your Retirement allocation plan by checking the box at the bottom of the page

5. Retirement Income: Enter in your expected annual Social Security benefits, pension or other

For SS benefit estimates visit:Retirement Tax Rate: Use the arrow button to adjust your total tax rate (federal, state, Soc

This tax rate will be applied to your SS and pension income as well as taxable retirement plNote: Distributions/withdrawals from Roth IRA plans are not taxable.

6. Retirement Spending: Enter in what you expect to spend annually during retirement. Be sur

today's dollars (out-year spending will automatically be adjusted for inflation).

www.ssa.gov/planners/calculators).

Email us at ad

Retirement Calculator - Overview

SavinContrib

$5,000

How long will my reti

How much can I spe

How soon can I retir

Am I saving enough t

Savings & Contributions

Asset Allocation

Income & Spending

Results
http://www.ssa.gov/planners/calculatorshttp://www.ssa.gov/planners/calculators


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On the first three pages you will find a "Simple Answer" section inthe upper right hand corner of the page. This is provided in order Savings atto illustrate (immediately) how each variable effects the results. Savings wil

7. Results:How long will my retirement funds last?

Based on your inputs this calculation solves for the age at which your funds will run out. Yo

to match or exceed your life expectancy assumption.Am I saving enough today?Based on your retirement needs, this calculation determines the amount of savings you willyour "Projected Savings" and then determines the necessary adjustment to your annual/moThe adjustment calculation assumes that any addition/subtraction to your annual contributinot your spouse's . You have the option to customize the calculation by selecting yes or no

annual adjustment (Adjust contributions for inflation?, Funds taxable during retirement? - mHow much can I spend during retirement?Based on all your other financial assumptions, this calculation determines the exact amoun

your first year of retirement (and thereafter) without running out of funds prior to the life expThis calculation assumes that out-year spending will be increased annually due to inflation.How soon can I retire?

Based on your inputs this calculation solves for the earliest age at which you can retire so tlife expectancy year. If the "Ending Balance" on the "Retirement Cash Flow" page is less texpectancy assumption, this simply means that your funds will run out during the middle of

8. Graphs:To help illustrate the results, we've included a graph (to the right of the results) where you cRetirement Savings, Retirement Income (excl. distributions), Retirement Spending and RetiYou may view an enlarged version of the graph by clicking the "Click to view Larger Graph"

9. Detailed Results:Pre-Retirement Investment Detail

This page details your annual financial contributions and investment return throughout yourhow your future contributions are adjusted/increased for inflation (401k/Other) or to match tRetirement Cash Flow

On this page, you will see yearly figures for:Age, Retirement Year, Other +/- Adjustment*, Social Security, Pension and Other Income,Estimated Taxes and Annual Spending*You may make manual adjustments for one time expenses/earnings in the blue cells

(i.e. down payments, inheritance, real estate sales, etc.)

Financial Calculators available at www.simpleplanning.com- Budget Planner - Mortgage Calculator - Investment Calculator - Tax Calculator

- Retirement Planner - 401k Calculator

Software License Agreement

Simpleplannings.com grants usage of this financial planning "software" under the following termsAfter the purchasing and downloading of this software from Simpleplanning.com, the purchaser iThe "licensee" may make copies of this product in an amount that does not exceed the number oSimpleplanning.com, or for the purpose of creating a backup copy.This file or the software contained in this file shall not be transferred to a non-licensee without the

Limitation of LiabilitySimpleplanning.com will not be held liable for damages in the event of, but not limited to inaccurasoftware, hardware, data and network failure and profit/savings losses as a result of using this so


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ur financial assumptions.

answers..

and life expectancy.

our retirement plan(s) on an annual basis.

aximumve additional investmentsthe bottom of the page.

Savings & Contributions)

to choose the types of investments.the choices by clicking

-Retirement allocation plan

income at the age you specify.

ial Security) on all your taxable income.

an distributions (401k, Trad. IRA, etc.)

to enter 'your dollar amounts in

[email protected]

gs &utions

rement funds last?

d during retirement?

?

oday?

Begin


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etirement: 737,234

l last until: 95

u would want the answer, of course,

need by retirement, compares it tonthly contribution.n will be made to your account,for the questions below the necessary

eaning the distribution of those funds)

you will be able to spend during

ectancy year.

at your funds will last until youran zero at the age of your lifethat year.

an choose to chart:irement Distribution/Withdrawalsbutton to the left of the graph.

"Pre-Retirement" years. Here you will seehat of the maximum allowable (IRA's)

etirement Distributions/Withdrawals

beneath "Other +/- (adjustments)"

and conditions:granted a "license" to use this product.licenses originally purchased from

written consent from Simpleplanning.com.

e assumptions, calculation errors,tware.

Simple Answer:


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Large Cap Stocks (S&P 500)Small Cap StocksInternational Stocks (EAFE)

Corporate Bonds (AAA)

Long-term Government Bonds


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Solve for: Retirement Saving

Personal Information

46 Current Age 15 years to retirement

61 Desired Retirement Age

90 Life Expectancy44 Current Age - Spouse 15 years to retirement

59 Desired Retirement Age - Spouse

Retirement Savings & ContributionsChart:

Retirement Plan Savings Annual Contribution

110,000$ 5,000$ Adjust future contributions for inflation?

60,000$ 3,000$ Increase future contribution to maximum allowable?

10,000$ Adjust future contributions for inflation?

5,000$ Adjust future contributions for inflation?

Need additional lines for other investments? Click here

Other Investment

Adjust future contributions for inflation?

Withdrawals during retirement will be taxable?

Other Investments Savings Annual Contribution

Total -$ -$

Return to top of page

Miscellaneous 5

Stock XYZ

Miscellaneous 2

Miscellaneous 3

Miscellaneous 4

How long will my retirement funds last?

Am I saving enough today?

Retirement Calculator - Savings & Contributions

How much can I spend during retirement?

ResultsRetirementCash Flow

Income &Spending

AssetAllocation

InvestmentDetail

Savings &Contributions

46 51 56 61 66 71 76 81

How soon can I retire?

Overview/Help

Open to Demo Users


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Savings at Retirement: 1,101,380

Savings will last until: 89

Solve # Plan Option Plan #

1 1 401k 1

2 01k- Spous 2

3 IRA 3

4 IRA- Spouse 4

5 Roth IRA 5

6 th IRA- Spouse

7 Other

1

At the beginning of e

Throughout the year

At the end of each ye

See Detailed Results

Assume contributions are made:

Next

$0

$200,000

$400,000

$600,000

$800,000

$1,000,000

$1,200,000

86

Simple Answer:


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10%

Plan Plan Name Savings Contribution @ Retire Inflation? Taxable Yrs to Retire

1 401k 110,000$ 5,000$ 636,335$ TRUE 100% 1500%

4 IRA- Spouse 60,000$ 3,000$ 404,531$ TRUE 100%

7 Other 10,000$ -$ 40,343$ FALSE 100%

8 Other- Spouse 5,000$ -$ 20,171$ FALSE 100%

Misc -$ -$ -$ TRUE 100% TRUE

Total 185,000$ 8,000$ 1,101,380$ 100.0%

ch year Am I saving enough today? Chart

1ar


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Pre-Retirement Asset Allocation

Allocation Return*

30% 12.4%

25% 12.2%

6 15% 12.4%

20% 7.6%

Other 10% 2.0%

Total 100% 10.4%

Retirement Asset AllocationAllocation Return*

10% 10.2%

35% 7.6%

30% 5.4%

15% 3.7%

Other 10% 0.0%

Total 100% 5.9%

Gradually reallocate assets from my "pre-retirement" allocation plan to my

retirement allocation plan starting 5 years prior to retirement.

*Want to change investment options? Click here

Use investment options below for pre-retirement allocation

Use investment options below for retirement allocation

Investment Vehicle Return9.0%

10.0%

11.0%

8.0%

12.0%

12.0%

Return to top of page

Stock A

Stock B

Mutual Fund A

Mutual Fund B

Mutual Fund C

Mutual Fund D

Asset Allocation

Pre- Retiremen

Retirement


Income &Spending

AssetAllocation

InvestmentDetail


Overview/Help

Closed to Demo Users


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Savings at Retirement: 1,101,380 Inv TypeSavings will last until: 89 1 Large Cap Stoc

2 Small Cap Stoc

3 International St

4 Corporate Bond

5 Long-term Gov

6 U.S. Treasury B

FALSE

Inv Type

1 Large Cap Stoc

2 Small Cap Stoc

3 International St

4 Corporate Bond

5 Long-term Gov

6 U.S. Treasury B

FALSE


International Stocks (EAFE)

Small Cap Stocks

International Stocks (EAFE)


Other

Large Cap Stocks (S&P 500)


Long-term Government Bonds

U.S. Treasury Bills

Other

NextBack

t Allocation

llocation

Simple Answer:


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Volatility Asset # Pre-Retire Pre-Retire Inv Alloc Return Volatility

1 3 International St 30 12% 0%

2 2 Small Cap Stoc 25 12% 0%

3 3 International St 15 12% 0%

4 4 Corporate Bond 20 8% 0%5 Other 10 2% 0%

Asset # Retire # Retire Inv Alloc Return Volatility

1 1 Large Cap Stoc 10 10% 0%

2 4 Corporate Bond 35 8% 0%5 Long-term Gov 30 5% 0%

4 6 U.S. Treasury B 15 4% 0%5 Other 10 6% 0%

TRUE FALSE


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Retirement Income

1st Year of

IncomeStart at Age:

Adjust for

inflation?

20,000$ 64

12,000$ 68

10,000$ 64

Total 42,000$

Retirement Tax Rate: 25% 25

Retirement Spending

Today's $'s After Inflation*

Transportation 7,000$ 10,439$

Home 12,000$ 17,895$

Utilities 6,000$ 8,948$

Health 5,000$ 7,456$

Entertainment 10,000$ 14,913$

Miscellaneous 5,000$ 7,456$

Total 45,000$ 67,107$*Spending during first year of retirement- future spending is

adjusted for inflation

Retirement Income & Spending

61 64 67 70

Other Pension Soc

RetirInflation:

Retir


Income &Spending

AssetAllocation

InvestmentDetail


Overview/Help

Closed to Demo Users


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Savings at Retirement: 1,101,380

Savings will last until: 89 1 Social Security $

2 Social Security- $

3 Pension $

5 Other $

Transportation

Home

Utilities

Health

EntertainmentMiscellaneous


$0

$10,000

$20,000

$30,000

$40,000

$50,000

$60,000

$70,000

73 76 79 82 85 88

ial Security- Spouse Social Security

Transportation

Home

Utilities

Health

Entertainment

Miscellaneous

ment Spending

ResultsBack

ement Income

Simple Answer:


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8 0.027 Yes

64 1 1 2.0% 1 Social Security No

68 1 2 2.1% 2 Social Security- Spouse

64 2 3 2.2% 3 Pension

0 2 4 2.3% 4 Pension- Spouse

5 2.4% 5 Other

6 2.5% 6 Other- Spouse

7 2.6%.

9 2.8%

11 3.0%.

13 3.2%

15


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How long will my retirement funds last?

80% How long will my retirement funds last?

70%

1 Savings at Retirement 1,101,380$

1 Fund will last until age 89

1 Savings at Retirement Increase Contribution byProjected Savings 1,101,380$ Monthly 62$Required Savings* 1,130,102$ Annually 745.77$Shortfall (28,722)$

Adjust contributions for inflation? yes

Funds taxable during retirement? yes

15% Chart:

20% Detail Results25% Current Savings 185,000$ See Pre-Retirement Investment Detail

1 Total Contributions 169,976$

Investment Gains 746,403$

Total Savings 1,101,380$

See Enlarged Graph Above

See Retirement Cash Flow

Results

46 51 56

Click to view Larger Graph


Income &Spending

AssetAllocation

InvestmentDetail


Overview/Help


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Chart Option 1

1 Retirement Savings 12 Retirement Income (e 23 Retirement Spending 34 Retirement Distributio 4

Retirement Savings 1

Am I saving enough today? V

Inf Choice 1Tax Choice 1yes 1noyesno

$0

$200,000

$400,000

$600,000

$800,000

$1,000,000

$1,200,000

61 66 71 76 81 86

Back


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Am I saving en

Inflation Adjust

Solve Age

How long will my retirement funds last? 89 1,101,380$ 15Am I saving enough today? 61 1,101,380$ 1,130,102$ 28,722 9.45%

How much can I spend during retirement? 65,959$ (28,722)$

How soon can I retire? 61 1,130,102$ 863

746

1

2

4

6

8

lidation Conditional Formatting 9

0 Am I saving enough today? 10

0 How much can I spend during retirement? 11

0 12

13

1 - Am I saving enough today? 142 How much can I spend during retirement? 15

16

Am I saving enough today? 17

0 Minimal Adjust necessary 18

2000 1920

22

23

24

25

26

27

28

29

30

31

32

33

3435

36


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ugh today?

ent Tax Adjustment

1

Years At the beginning of each year Taxable AcctInv Rate 9.4% Throughout the year Non Taxable Acct

Shortfall/Excess At the end of each year

Without inflation adj.

With inflation 2.7% 28,722$

1.10 863 952 10.4% 10.4% $4,512 inflation adj.

2.32 886 2029 10.4% 10.4% 11.09% Realized rate. . .

5.15 935 4610 10.4% 10.4%. . .

8.59 986 7871 10.4% 10.4%10.58 1013 9803 10.4% 10.4%

12.78 1040 11965 10.4% 10.4%

15.21 1068 14382 10.4% 10.4%

17.88 1097 17080 10.4% 10.4%

20.84 1126 20091 10.4% 10.4%

23.90 1157 23256 9.5% 9.5%27.03 1188 26535 8.6% 8.6%

30.18 1220 29879 7.7% 7.7%

33.28 1253 33235 6.8% 6.8%

36.29 1287 36543 5.9% 5.9%

39.48 1322 40081 5.9% 5.9%

42.84 1357 43865 5.9% 5.9%

46.41 1394 47909 5.9% 5.9%

50.19 1432 52229 5.9% 5.9%58.42 1510 61770 5.9% 5.9%

62.90 1551 67028 5.9% 5.9%

67.64 1593 72638 5.9% 5.9%

72.65 1636 78623 5.9% 5.9%

77.97 1680 85004 5.9% 5.9%

83.59 1725 91807 5.9% 5.9%

89.54 1772 99058 5.9% 5.9%

95.84 1819 106784 5.9% 5.9%

102.52 1869 115014 5.9% 5.9%

109.58 1919 123779 5.9% 5.9%

117.05 1971 133113 5.9% 5.9%

124.96 2024 143049 5.9% 5.9%133.34 2079 153625 5.9% 5.9%

142.20 2135 164880 5.9% 5.9%

151.59 2193 176855 5.9% 5.9%


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=AO5*(1+'Income & Spending'!G18-'Income & Spending'!G18*AQ5)=AC6*(1+'Income & Spending'!G18*AP5)

Savings Diff Adj Diff Current New EstimateNew Old Tax NPV New Tax NPV NPV Delta Cont Adjustm

28,722$ 28,722$ 100.00% 100.00% 100.00% $184,195.71 $0 $0.0028,722$ 21,724$ 100.00% 97.46% 98.07% $184,195.71 $0 $0.00


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Chart Column Width Height Move Colum1 7 1 44 0

1 1 1 1

nt 61 Savings Social Secu Social Secu Pension Other Retirement Di Spending

0 46 185,000 - - - - 67,107 67,1070 47 212,976 - - - - 68,919 68,9190 48 245,099 - - - - 70,780 70,7800 49 280,700 20,000 - 10,000 - 42,691 72,691

0 50 320,143 20,540 - 10,000 - 44,114 74,654, , , , ,

0 52 414,525 21,664 - 10,000 - 47,075 78,7390 53 470,524 22,249 - 10,000 - 48,616 80,865, , , , ,

0 55 601,055 23,467 12,000 10,000 - 39,824 85,291, , , , , ,

0 57 760,779 24,751 12,657 10,000 - 42,551 89,959, , , , - , ,

0 59 932,969 26,106 13,349 10,000 - 45,427 94,882

0 60 1,018,438 26,810 13,710 10,000 - 46,924 97,4441 61 1,101,380 27,534 14,080 10,000 - 48,461 100,0751 62 1,077,070 28,278 14,460 10,000 - 50,039 102,7771 63 1,048,940 29,041 14,851 10,000 - 51,660 105,552

, , , , , - , ,1 65 1,011,800 30,631 15,663 10,000 - 55,035 111,3291 66 1,004,589 31,458 16,086 10,000 - 56,791 114,335

1 67 994,875 32,307 16,521 10,000 - 58,594 117,4221 68 982,456 33,179 16,967 10,000 - 60,446 120,5921 69 967,116 34,075 17,425 10,000 - 62,348 123,848

1 70 948,624 34,995 17,895 10,000 - 64,301 127,1921 71 939,439 35,940 18,378 10,000 - 66,308 130,626

1 73 913,150 37,907 19,384 10,000 - 70,484 137,7751 74 895,621 38,931 19,908 10,000 - 72,657 141,4951 75 874,863 39,982 20,445 10,000 - 74,889 145,3161 76 850,628 41,061 20,997 10,000 - 77,181 149,2391 77 822,651 42,170 21,564 10,000 - 79,535 153,2691 78 790,649 43,308 22,146 10,000 - 81,952 157,4071 79 754,324 44,478 22,744 10,000 - 84,435 161,6571 80 713,355 45,679 23,358 10,000 - 86,984 166,021

1 81 667,404 46,912 23,989 10,000 - 89,603 170,5041 82 616,107 48,179 24,637 10,000 - 92,292 175,1081 83 559,081 49,479 25,302 10,000 - 95,054 179,8361 84 495,917 50,815 25,985 10,000 - 97,891 184,691

1 85 426,180 52,187 26,687 10,000 - 100,804 189,6781 86 349,406 53,596 27,407 10,000 - 103,795 194,7991 87 265,106 55,044 28,147 10,000 - 106,868 200,0591 88 172,755 56,530 28,907 10,000 - 110,023 205,4601 89 71,798 58,056 29,688 10,000 - 113,264 211,008

1 90 (36,232) 59,624 30,489 10,000 - 116,592 216,7051 91 (147,450) 61,233 31,312 10,000 - 120,010 222,5561 92 (261,940) 62,887 32,158 10,000 - 123,520 228,5651 93 (379,792) 64,585 33,026 10,000 - 127,125 234,736


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1 94 (501,096) 66,328 33,918 10,000 - 130,828 241,0741 95 (625,944) 68,119 34,834 10,000 - 134,630 247,5831 96 (754,434)

1 97 (886,663)1 98 (1,022,732)1 99 (1,162,745)

1 100 (1,306,809)1 101 (1,455,032)1 102 (1,607,527)1 103 (1,764,410)1 104 (1,925,798)1 105 (2,091,814)1 106 (2,262,582)1 107 (2,438,231)

1 108 (2,618,893)1 109 (2,804,702)1 110 (2,995,798)


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n


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61 1,130,102

61 1,101,380

29 Age

Ret.

Year

Beginning

Balance

Other +/-

(adjustments)

Social

Security

Social

Security-

Spouse Pension Other

Retirement

Distributions

61 1 $1,101,380 -$ -$ -$ -$ ($67,107)

0 62 2 $1,077,070 -$ -$ -$ -$ ($68,919)

0 63 3 $1,048,940 -$ -$ -$ -$ ($70,780)

0 64 4 $1,016,700 20,000$ -$ 10,000$ -$ ($42,691)

0 65 5 $1,011,800 20,540$ -$ 10,000$ -$ ($44,114)

0 66 6 $1,004,589 21,095$ -$ 10,000$ -$ ($45,575)

0 67 7 $994,875 21,664$ -$ 10,000$ -$ ($47,075)

0 68 8 $982,456 22,249$ -$ 10,000$ -$ ($48,616)

069 9 $967,116 22,850$ -$ 10,000$ -$ ($50,199)

0 70 10 $948,624 23,467$ 12,000$ 10,000$ -$ ($39,824)

0 71 11 $939,439 24,100$ 12,324$ 10,000$ -$ ($41,170)

0 72 12 $927,683 24,751$ 12,657$ 10,000$ -$ ($42,551)

0 73 13 $913,150 25,419$ 12,998$ 10,000$ -$ ($43,970)

0 74 14 $895,621 26,106$ 13,349$ 10,000$ -$ ($45,427)

0 75 15 $874,863 26,810$ 13,710$ 10,000$ -$ ($46,924)

0 76 16 $850,628 27,534$ 14,080$ 10,000$ -$ ($48,461)

0 77 17 $822,651 28,278$ 14,460$ 10,000$ -$ ($50,039)

0 78 18 $790,649 29,041$ 14,851$ 10,000$ -$ ($51,660)

0 79 19 $754,324 29,825$ 15,252$ 10,000$ -$ ($53,325)

0 80 20 $713,355 30,631$ 15,663$ 10,000$ -$ ($55,035)

0 81 21 $667,404 31,458$ 16,086$ 10,000$ -$ ($56,791)

0 82 22 $616,107 32,307$ 16,521$ 10,000$ -$ ($58,594)

0 83 23 $559,081 33,179$ 16,967$ 10,000$ -$ ($60,446)

0 84 24 $495,917 34,075$ 17,425$ 10,000$ -$ ($62,348)

0 85 25 $426,180 34,995$ 17,895$ 10,000$ -$ ($64,301)

0 86 26 $349,406 35,940$ 18,378$ 10,000$ -$ ($66,308)

0 87 27 $265,106 36,911$ 18,875$ 10,000$ -$ ($68,368)

0 88 28 $172,755 37,907$ 19,384$ 10,000$ -$ ($70,484)

1 89 29 $71,798 38,931$ 19,908$ 10,000$ -$ ($72,657)

0 90 30 ($36,232) 39,982$ 20,445$ 10,000$ -$ ($74,889)

0 91 31 ($147,450) 41,061$ 20,997$ 10,000$ -$ ($77,181)

0 92 32 ($261,940) 42,170$ 21,564$ 10,000$ -$ ($79,535)

0 93 33 ($379,792) 43,308$ 22,146$ 10,000$ -$ ($81,952)

0 94 34 ($501,096) 44,478$ 22,744$ 10,000$ -$ ($84,435)

0 95 35 ($625,944) 45,679$ 23,358$ 10,000$ -$ ($86,984)

0 96 36 ($754,434) 46,912$ 23,989$ 10,000$ -$ ($89,603)

0 97 37 ($886,663) 48,179$ 24,637$ 10,000$ -$ ($92,292)

0 98 38 ($1,022,732) 49,479$ 25,302$ 10,000$ -$ ($95,054)

0 99 39 ($1,162,745) 50,815$ 25,985$ 10,000$ -$ ($97,891)

0 100 40 ($1,306,809) 52,187$ 26,687$ 10,000$ -$ ($100,804)

0 101 41 ($1,455,032) 53,596$ 27,407$ 10,000$ -$ ($103,795)

0 102 42 ($1,607,527) 55,044$ 28,147$ 10,000$ -$ ($106,868)


Income &Spending

AssetAllocation

InvestmentDetail


Retirement Cash Flow

Overview/Help


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0 103 43 ($1,764,410) 56,530$ 28,907$ 10,000$ -$ ($110,023)

0 104 44 ($1,925,798) 58,056$ 29,688$ 10,000$ -$ ($113,264)

0 105 45 ($2,091,814) 59,624$ 30,489$ 10,000$ -$ ($116,592)

0 106 46 ($2,262,582) 61,233$ 31,312$ 10,000$ -$ ($120,010)

0 107 47 ($2,438,231) 62,887$ 32,158$ 10,000$ -$ ($123,520)

0 108 48 ($2,618,893) 64,585$ 33,026$ 10,000$ -$ ($127,125)

0 109 49 ($2,804,702) 66,328$ 33,918$ 10,000$ -$ ($130,828)

0 110 50 ($2,995,798) 68,119$ 34,834$ 10,000$ -$ ($134,630)


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Estimated Tax

Investment

Return

Ending

Balance

Annual

Spending Starting Balance

($16,777) 59,574$ 1,077,070$ $67,107 1,101,380

($17,230) 58,018$ 1,048,940$ $68,919

($17,695) 56,235$ 1,016,700$ $70,780

($18,173) 55,964$ 1,011,800$ $72,691

($18,663) 55,565$ 1,004,589$ $74,654

($19,167) 55,028$ 994,875$ $76,669 90 Avg Income

($19,685) 54,341$ 982,456$ $78,739 61 45,271

($20,216) 53,493$ 967,116$ $80,865 29 25.0%

($20,762) 52,470$ 948,624$ $83,049($21,323) 51,962$ 939,439$ $85,291

($21,898) 51,312$ 927,683$ $87,594 1

($22,490) 50,508$ 913,150$ $89,959 How long will my retire

($23,097) 49,538$ 895,621$ $92,388

($23,721) 48,390$ 874,863$ $94,882

($24,361) 47,050$ 850,628$ $97,444 Am I saving enough to

($25,019) 45,502$ 822,651$ $100,075

($25,694) 43,732$ 790,649$ $102,777

($26,388) 41,723$ 754,324$ $105,552 How much will I be be

($27,100) 39,457$ 713,355$ $108,402

($27,832) 36,915$ 667,404$ $111,329

($28,584) 34,078$ 616,107$ $114,335 How soon can I retire?($29,355) 30,924$ 559,081$ $117,422

($30,148) 27,430$ 495,917$ $120,592

($30,962) 23,573$ 426,180$ $123,848

($31,798) 19,326$ 349,406$ $127,192

($32,657) 14,663$ 265,106$ $130,626

($33,538) 9,555$ 172,755$ $134,153

($34,444) 3,971$ 71,798$ $137,775

($35,374) -$ (36,232)$ $141,495

($36,329) -$ (147,450)$ $145,316

($37,310) -$ (261,940)$ $149,239

($38,317) -$ (379,792)$ $153,269

($39,352) -$ (501,096)$ $157,407($40,414) -$ (625,944)$ $161,657

($41,505) -$ (754,434)$ $166,021

($42,626) -$ (886,663)$ $170,504

($43,777) -$ (1,022,732)$ $175,108

($44,959) -$ (1,162,745)$ $179,836

($46,173) -$ (1,306,809)$ $184,691

($47,419) -$ (1,455,032)$ $189,678

($48,700) -$ (1,607,527)$ $194,799

($50,015) -$ (1,764,410)$ $200,059


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($51,365) -$ (1,925,798)$ $205,460

($52,752) -$ (2,091,814)$ $211,008

($54,176) -$ (2,262,582)$ $216,705

($55,639) -$ (2,438,231)$ $222,556

($57,141) -$ (2,618,893)$ $228,565

($58,684) -$ (2,804,702)$ $234,736

($60,269) -$ (2,995,798)$ $241,074

($61,896) -$ (3,192,324)$ $247,583


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Social Security

Social

Security-

Spouse Pension Other

Age

Differential

Spending

Today's $'s Est. Tax

Retire Inv.

Return

64 70 64 0 2 45000 25% 6%

2.7% 2.7% 0.0% 0.0% 0.027 100.0%

20000 12000 10000 0 46 25%

0 1 0 0 25.0%

Avg Withdrawl

21,837 67,107

25.0% 25%

ent funds last?

ay?

ble to withdraw?


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Age

Inv.

Year

Beginning

Balance 401k IRA- Spouse Other

Other-

Spouse Misc.

Investment

Return

46 1 185,000$ 5,000$ 3,000$ -$ -$ -$ 19,976$

47 2 212,976$ 5,135$ 4,000$ -$ -$ -$ 22,988$

48 3 245,099$ 5,274$ 4,000$ -$ -$ -$ 26,328$

49 4 280,700$ 5,416$ 4,000$ -$ -$ -$ 30,027$

50 5 320,143$ 5,562$ 5,000$ -$ -$ -$ 34,228$

51 6 364,933$ 5,712$ 5,000$ -$ -$ -$ 38,879$

52 7 414,525$ 5,867$ 6,000$ -$ -$ -$ 44,132$

53 8 470,524$ 6,025$ 6,000$ -$ -$ -$ 49,944$

54 9 532,492$ 6,188$ 6,000$ -$ -$ -$ 56,374$

55 10 601,055$ 6,355$ 6,000$ -$ -$ -$ 63,488$

56 11 676,897$ 6,526$ 6,000$ -$ -$ -$ 71,355$

57 12 760,779$ 6,703$ 6,000$ -$ -$ -$ 73,102$

58 13 846,583$ 6,884$ 6,000$ -$ -$ -$ 73,502$

59 14 932,969$ 7,069$ 6,000$ -$ -$ -$ 72,400$

60 15 1,018,438$ 7,260$ 6,000$ -$ -$ -$ 69,681$

61 16 1,101,380$ 7,456$ -$ -$ -$ -$ 64,922$

62 17 1,173,758$ 7,658$ -$ -$ -$ -$ 69,172$

63 18 1,250,588$ 7,864$ -$ -$ -$ -$ 73,682$

64 19 1,332,135$ 8,077$ -$ -$ -$ -$ 78,469$

65 20 1,418,681$ 8,295$ -$ -$ -$ -$ 83,549$

66 21 1,510,525$ 8,519$ -$ -$ -$ -$ 88,940$

67 22 1,607,984$ 8,749$ -$ -$ -$ -$ 94,660$68 23 1,711,393$ 8,985$ -$ -$ -$ -$ 100,728$

69 24 1,821,106$ 9,228$ -$ -$ -$ -$ 107,166$

70 25 1,937,499$ 9,477$ -$ -$ -$ -$ 113,995$

71 26 2,060,972$ 9,733$ -$ -$ -$ -$ 121,240$

72 27 2,191,944$ 9,995$ -$ -$ -$ -$ 128,924$

73 28 2,330,863$ 10,265$ -$ -$ -$ -$ 137,073$

74 29 2,478,201$ 10,542$ -$ -$ -$ -$ 145,716$

75 30 2,634,460$ 10,827$ -$ -$ -$ -$ 154,882$

76 31 2,800,168$ 11,119$ -$ -$ -$ -$ 164,601$

77 32 2,975,889$ 11,420$ -$ -$ -$ -$ 174,907$

78 33 3,162,215$ 11,728$ -$ -$ -$ -$ 185,834$

79 34 3,359,778$ 12,045$ -$ -$ -$ -$ 197,420$80 35 3,569,243$ 12,370$ -$ -$ -$ -$ 209,703$

81 36 3,791,316$ 12,704$ -$ -$ -$ -$ 222,725$

82 37 4,026,745$ 13,047$ -$ -$ -$ -$ 236,530$

83 38 4,276,322$ 13,399$ -$ -$ -$ -$ 251,163$

84 39 4,540,884$ 13,761$ -$ -$ -$ -$ 266,674$

85 40 4,821,319$ 14,132$ -$ -$ -$ -$ 283,116$

60


Income &Spending

AssetAllocation

InvestmentDetail


Pre-Retirement Investment Detail Contributions

Overview/Help


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Check 1 1 1 1 1

1 4 0 0 1

-2 2.7% 2.7% 0.0% 0.0% 2.7%

Spouse=0 1 - 1 - 1

Ending Balance

Contributi

on

IRA

Contributi 401k RA- Spous Other ther- Spou Misc.

212,976$ 5,000$ 3,000$ -$ -$ -$

245,099$ 4,000$ 4,000$ 5,135$ 3,081$ -$ -$ -$

280,700$ 4,000$ 4,000$ 5,274$ 3,164$ -$ -$ -$

320,143$ 4,000$ 4,000$ 5,416$ 3,250$ -$ -$ -$

364,933$ 6,000$ 5,000$ 5,562$ 3,337$ -$ -$ -$

414,525$ 6,000$ 5,000$ 5,712$ 3,427$ -$ -$ -$

470,524$ 6,000$ 6,000$ 5,867$ 3,520$ -$ -$ -$

532,492$ 6,000$ 6,000$ 6,025$ 3,615$ -$ -$ -$

601,055$ 6,000$ 6,000$ 6,188$ 3,713$ -$ -$ -$

676,897$ 6,000$ 6,000$ 6,355$ 3,813$ -$ -$ -$

760,779$ 6,000$ 6,000$ 6,526$ 3,916$ -$ -$ -$

846,583$ 6,000$ 6,000$ 6,703$ 4,022$ -$ -$ -$

932,969$ 6,000$ 6,000$ 6,884$ 4,130$ -$ -$ -$

1,018,438$ 6,000$ 6,000$ 7,069$ 4,242$ -$ -$ -$

1,101,380$ 6,000$ 6,000$ 7,260$ 4,356$ -$ -$ -$

1,173,758$ 6,000$ -$ 7,456$ -$ -$ -$ -$

1,250,588$ 6,000$ -$ 7,658$ -$ -$ -$ -$

1,332,135$ 6,000$ -$ 7,864$ -$ -$ -$ -$

1,418,681$ 6,000$ -$ 8,077$ -$ -$ -$ -$

1,510,525$ 6,000$ -$ 8,295$ -$ -$ -$ -$

1,607,984$ 6,000$ -$ 8,519$ -$ -$ -$ -$

1,711,393$ 6,000$ -$ 8,749$ -$ -$ -$ -$1,821,106$ 6,000$ -$ 8,985$ -$ -$ -$ -$

1,937,499$ 6,000$ -$ 9,228$ -$ -$ -$ -$

2,060,972$ 6,000$ -$ 9,477$ -$ -$ -$ -$

2,191,944$ 6,000$ -$ 9,733$ -$ -$ -$ -$

2,330,863$ 6,000$ -$ 9,995$ -$ -$ -$ -$

2,478,201$ 6,000$ -$ 10,265$ -$ -$ -$ -$

2,634,460$ 6,000$ -$ 10,542$ -$ -$ -$ -$

2,800,168$ 6,000$ -$ 10,827$ -$ -$ -$ -$

2,975,889$ 6,000$ -$ 11,119$ -$ -$ -$ -$

3,162,215$ 6,000$ -$ 11,420$ -$ -$ -$ -$

3,359,778$ 6,000$ -$ 11,728$ -$ -$ -$ -$

3,569,243$ 6,000$ -$ 12,045$ -$ -$ -$ -$3,791,316$ 6,000$ -$ 12,370$ -$ -$ -$ -$

4,026,745$ 6,000$ -$ 12,704$ -$ -$ -$ -$

4,276,322$ 6,000$ -$ 13,047$ -$ -$ -$ -$

4,540,884$ 6,000$ -$ 13,399$ -$ -$ -$ -$

4,821,319$ 6,000$ -$ 13,761$ -$ -$ -$ -$

5,118,567$ 6,000$ -$ 14,132$ -$ -$ -$ -$

6000 6000


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Chart:

Retirement Savings

Graph


Income &Spending

AssetAllocation

InvestmentDetail


46 51 56 61 66 71 76 81 86

Age

Overview/Help


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$0

$200,000

$400,000

$600,000

$800,000

$1,000,000

$1,200,000


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Retirement Calculator & Planner Demo

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