Questions?

Email us at admin@simpleplanning.

Retirement Calculator - Overview

Instructions
You may move from worksheet to worksheet by clicking on the dark blue buttons
located on each worksheet or the blue tabs at the bottom of each worksheet.

Savings &
Contributions

$5,000 to enter in your financial assumpt

Use drop down boxes
, arrow buttons
or white cells
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 improbable answers.
Red marked boxes provide additional comments when the mouse pointer is placed over the mark.
Savings & Contributions

1. Solve for: Through a series of financial calculations, the Retirement Calculator determines:
a The age at which you will run out of retirement funds
How long will my retirement funds last?
Am I saving enough today?
a Whether you're contributing enough to your retirement plan
How much can I spend during retirement?
a How much you can spend during retirement
How soon can I retire?
a The earliest year in which you can retire

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

3. Retirement Savings & Contributions: Enter the amount you and your spouse contribute to your retirement plan(s
You may adjust/increase future contributions for inflation (401k/Other) or match that of the maximum
allowable (IRA/Roth IRA) by checking the boxes to the right of the dollar amounts. If you have additional investm
you would like to add to the list, click the Need additional lines for other investments? link at the bottom of the pa
Time your contributions: You may determine (by using the drop down box to the right of the Savings & Contribu
the timing of your retirement plan contributions:
Asset Allocation

4. Pre-Retirement Asset Allocation and Retirement Asset Allocation

Pre-Retirement Asset Allocation: Use the drop down boxes
to choose the types
Six options are provided along with their appropriate historical returns. You may customize the choices by clicki
on 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 Pre-Retirement allocatio
to your Retirement allocation plan by checking the box at the bottom of the page
Income & Spending

5. Retirement Income: Enter in your expected annual Social Security benefits, pension or other income at the age yo
For SS benefit estimates visit: www.ssa.gov/planners/calculators).
Retirement Tax Rate: Use the arrow button to adjust your total tax rate (federal, state, Social Security) on all yo
This tax rate will be applied to your SS and pension income as well as taxable retirement plan distributions (401k
Note: Distributions/withdrawals from Roth IRA plans are not taxable.

6. Retirement Spending: Enter in what you expect to spend annually during retirement. Be sure to enter 'your dollar
today's dollars (out-year spending will automatically be adjusted for inflation).
Results

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

Savings at Retirement:
Savings will last until:

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. You would want the ans
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 will need by retirement,
your "Projected Savings" and then determines the necessary adjustment to your annual/monthly contribution.
The adjustment calculation assumes that any addition/subtraction to your annual contribution will be made to yo
not your spouse's . You have the option to customize the calculation by selecting yes or no for the questions bel
annual adjustment (Adjust contributions for inflation?, Funds taxable during retirement? - meaning the distributio
How much can I spend during retirement?
Based on all your other financial assumptions, this calculation determines the exact amount you will be able to s
your first year of retirement (and thereafter) without running out of funds prior to the life expectancy year.
This 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 that your funds will las
life expectancy year. If the "Ending Balance" on the "Retirement Cash Flow" page is less than zero at the age o
expectancy assumption, this simply means that your funds will run out during the middle of that year.
8. Graphs:
To help illustrate the results, we've included a graph (to the right of the results) where you can choose to chart:
Retirement Savings, Retirement Income (excl. distributions), Retirement Spending and Retirement Distribution/W
You may view an enlarged version of the graph by clicking the "Click to view Larger Graph" button to the left of t
9. Detailed Results:
Pre-Retirement Investment Detail
This page details your annual financial contributions and investment return throughout your "Pre-Retirement" ye
how your future contributions are adjusted/increased for inflation (401k/Other) or to match that of the maximum
Retirement Cash Flow
On this page, you will see yearly figures for:
Age, Retirement Year, Other +/- Adjustment*, Social Security, Pension and Other Income, Retirement Distributio
Estimated Taxes and Annual Spending
*You may make manual adjustments for one time expenses/earnings in the blue cells
beneath "Other
(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 terms and conditions:
After the purchasing and downloading of this software from Simpleplanning.com, the purchaser is granted a "license" t
The "licensee" may make copies of this product in an amount that does not exceed the number of licenses originally p
Simpleplanning.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 written consent from

Limitation of Liability
Simpleplanning.com will not be held liable for damages in the event of, but not limited to inaccurate assumptions, calcu
software, hardware, data and network failure and profit/savings losses as a result of using this software.

Questions?
admin@simpleplanning.com

Begin

Savings &
Contributions

to enter in your financial assumptions.

te improbable answers.
over the mark.

long will my retirement funds last?

saving enough today?
much can I spend during retirement?
soon can I retire?

and spouse) and life expectancy.

ontribute to your retirement plan(s) on an annual basis.

h that of the maximum
nts. If you have additional investments
ments? link at the bottom of the page.
he right of the Savings & Contributions)

to choose the types of investments.

ay customize the choices by clicking

from your Pre-Retirement allocation plan

sion or other income at the age you specify.

al, state, Social Security) on all your taxable income.

retirement plan distributions (401k, Trad. IRA, etc.)

ment. Be sure to enter 'your dollar amounts in

Simple Answer:

Simple Answer:
Savings at Retirement:
Savings will last until:

737,234
95

ll run out. You would want the answer, of course,

vings you will need by retirement, compares it to

ur annual/monthly contribution.
ual contribution will be made to your account,
ing yes or no for the questions below the necessary
irement? - meaning the distribution of those funds)

exact amount you will be able to spend during

o the life expectancy year.
e to inflation.

an retire so that your funds will last until your

age is less than zero at the age of your life
he middle of that year.

) where you can choose to chart:

ding and Retirement Distribution/Withdrawals
arger Graph" button to the left of the graph.

oughout your "Pre-Retirement" years. Here you will see

or to match that of the maximum allowable (IRA's)

her Income, Retirement Distributions/Withdrawals

ue cells

beneath "Other +/- (adjustments)"

owing terms and conditions:

purchaser is granted a "license" to use this product.
he number of licenses originally purchased from

e without the written consent from Simpleplanning.com.

d to inaccurate assumptions, calculation errors,

using this software.

Large Cap Stocks (S&P 500)

Small Cap Stocks
International Stocks (EAFE)
Corporate Bonds (AAA)
Long-term Government Bonds

Savings &
Contributions

Asset
Allocation

Income &
Spending

Retirement
Cash Flow

Investment
Detail

Retirement Calculator - Savings & Contributions

Overview/
Help

Results

Open to Demo Users

Retirement Savings

Solve for:
How long will my retirement funds last?
Am I saving enough today?
How much can I spend during retirement?
How soon can I retire?

Personal Information
46
Current Age

15 years to retirement

61

Desired Retirement Age

90

Life Expectancy

44

Current Age - Spouse

59

Desired Retirement Age - Spouse

15 years to retirement

Savings

61

66

71

76

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?

Other Investment
Adjust future contributions for inflation?
Withdrawals during retirement will be taxable?
Other Investments

Return to top of page

56

Annual Contribution

Need additional lines for other investments? Click here

Stock XYZ
Miscellaneous 2
Miscellaneous 3
Miscellaneous 4
Miscellaneous 5
Total

51

Chart:

Retirement Savings & Contributions

Retirement Plan

46

Savings

Annual Contribution

81

Simple Answer:
Savings at Retirement:

1,101,380

Savings will last until:

89

ment Savings
$1,200,000
$1,000,000
$800,000

See Detailed Results

Solve

Plan Option Plan #

401k

401k- Spouse

IRA

IRA- Spouse

Roth IRA

6 Roth IRA- Spouse

$600,000

7
Other
8 Other- Spouse

$400,000
$200,000
81

86

$0

1
At the beginning of each year
Throughout the year

Assume contributions are made:

Next

At the end of each year

10%
Plan

Savings

Contribution

@ Retire

Inflation? Taxable

401k

$ 110,000

5,000

636,335

TRUE

100%

IRA- Spouse

60,000

3,000

404,531

TRUE

100%

Other

10,000

40,343

FALSE

100%

Other- Spouse

5,000

20,171

FALSE

100%

Misc

TRUE

Total

$ 185,000

8,000

the beginning of each year

the end of each year

Plan Name

1,101,380

Am I saving enough today?

100%
100.0%

Chart
1

Yrs to Retire
1500%

TRUE

Savings &
Contributions

Asset
Allocation

Income &
Spending

Retirement
Cash Flow

Asset Allocation

Investment
Detail

Results

Overview/
Help

Closed to Demo Users

Pre-Retirement Asset Allocation

Allocation

Return*

30%

12.4%

25%

12.2%

15%

12.4%

20%

7.6%

Other

10%

2.0%

Total

100%

10.4%

Allocation

Return*

10%

10.2%

35%

7.6%

30%

5.4%

15%

3.7%

Other

10%

0.0%

Total

100%

5.9%

Pre- Retirement Allocation

Retirement Asset Allocation

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
Mutual Fund A
Mutual Fund B
Mutual Fund C
Mutual Fund D
Stock A
Stock B
Return to top of page

Return
9.0%
10.0%
11.0%
8.0%
12.0%
12.0%

Retirement Allocation

Simple Answer:
Savings at Retirement:

1,101,380

Savings will last until:

89

See Detailed Results

Inv Type

Return

1 Large Cap Stocks (S&P 500)

10.2%
2 Small Cap Stocks

12.2%

3 International Stocks (EAFE)

12.4%
4 Corporate Bonds (AAA)

7.6%

5 Long-term Government Bonds

5.4%
6 U.S. Treasury Bills

Retirement Allocation

3.7%

FALSE

International Stocks (EAFE)

Small Cap Stocks
International Stocks (EAFE)

Inv Type

Corporate Bonds (AAA)

Return

Other

1 Large Cap Stocks (S&P 500)

10.2%
2 Small Cap Stocks
12.2%
3 International Stocks (EAFE)
12.4%
4 Corporate Bonds (AAA)

7.6%

5 Long-term Government Bonds

5.4%

Retirement Allocation

6 U.S. Treasury Bills

Large Cap Stocks (S&P 500)

FALSE

Corporate Bonds (AAA)

Long-term Government Bonds
U.S. Treasury Bills
Other

Back

Next

3.7%

Volatility

Asset #

Pre-Retire #Pre-Retire Inv

Alloc

Return

3 International Stocks (EAFE)

30

12%

0%

2
3
4

2 Small Cap Stocks

12%

0%

12%

0%

8%

0%

2%

0%

Asset #

4 Corporate Bonds (AAA)20

Other

Retire #

1
2
3
4
5

25

3 International Stocks (EAFE)

15

Retire Inv

10

Alloc

Return

FALSE

Volatility

1 Large Cap Stocks (S&P10500) 10%

0%

4 Corporate Bonds (AAA)35

8%
5 Long-term Government30
Bonds 5%

0%
0%

6 U.S. Treasury Bills

Other

15

4%

0%

10

6%

0%

TRUE

Volatility

Savings &
Contributions

Asset
Allocation

Income &
Spending

Retirement
Cash Flow

Investment
Detail

Retirement Income & Spending

Results

Overview/
Help

Closed to Demo Users

Retirement Income

Total
Retirement Tax Rate:

1st Year of
Income

Start at Age:

$ 20,000

64

$ 12,000

68

$ 10,000

64

$
25%

42,000

Retirement Income

Adjust for
inflation?

61

64

67

70

25
Other

Pension

Social Security- Spouse

Retirement Spending
Retirement Spending

Inflation:

Today's $'s

After Inflation*

Transportation
Home
Utilities
Health
Entertainment
Miscellaneous
Total

$ 7,000
$ 12,000
$ 6,000
$ 5,000
$ 10,000
$ 5,000
$ 45,000

$
$
$
$
$
$
$

*Spending during first year of retirement- future spending is

adjusted for inflation

10,439
17,895
8,948
7,456
14,913
7,456
67,107

Simple Answer:
Savings at Retirement:

1,101,380

Savings will last until:

89

See Detailed Results

1 Social Security $

20,000

2 Social Security- Spouse

$
12,000

Retirement Income

3 Pension

10,000

5 Other

$70,000
$60,000
$50,000
$40,000
$30,000
$20,000
$10,000
$0

73

76

79

82

Social Security- Spouse

85

88

Social Security

Retirement Spending
Transportation
Home
Utilities
Health
Entertainment
Miscellaneous

Back

Results

Transportation

16%

Home

27%

Utilities

13%

Health

11%

Entertainment

22%

Miscellaneous

11%

0.027

64

2.0%

1 Social Security

68

2.1%

2 Social Security- Spouse

64

2.2%

3 Pension

2.3%

4 Pension- Spouse

2.4%

5 Other

2.5%

6 Other- Spouse

7
8

2.6%
2.7%

9
10

2.8%
2.9%

11
12

3.0%
3.1%

13

3.2%

15

Yes
No

Savings &
Contributions

Asset
Allocation

Income &
Spending

Retirement
Cash Flow

Investment
Detail

Overview/
Help

Results

Results
How long will my retirement funds last?
Retirement

90%
80%

How long will my retirement funds last?

70%
60%
1
###
1

Savings at Retirement

$ 1,101,380

Fund will last until age

89

Savings at Retirement
Projected Savings
Required Savings*
Shortfall

$ 1,101,380
$ 1,130,102
$ (28,722)

Click to view Larger Graph

Increase Contribution by
Monthly
$
62
Annually
$ 745.77
Adjust contributions for inflation?
Funds taxable during retirement?

yes
yes

25%
1

51

Chart:

15%
20%

46

Detail Results
Current Savings
Total Contributions
Investment Gains
Total Savings

$
185,000
$
169,976
$
746,403
$ 1,101,380

See Pre-Retirement Investment Detail

See Retirement Cash Flow
See Enlarged Graph Above

56

1
2
3
4
Retirement Savings

Chart Option

Retirement Savings

Retirement Income (excl. distributions)

2
Retirement Spending
3
Retirement Distribution/Withdrawals
4
Retirement Savings

$1,200,000
$1,000,000
$800,000
$600,000
$400,000
$200,000

56

61

66

71

76

81

Back

86

$0

Am I saving enough today? Validation

Inf Choice
Tax Choice
yes
no
yes
no

1
1
1
2

Am I saving enough today?

Inflation Adjustment
Solve

Age

How long will my retirement funds last?

89 $

1,101,380

Am I saving enough today?

How much can I spend during retirement?

61 $
$

1,101,380
65,959

How soon can I retire?

61 $

1,130,102

nough today? Validation

15
$

1,130,102

28,722
$

9.45%
(28,722)
863
746

Year
1
2
3
4
5
6
7
8
Conditional Formatting

0 Am I saving enough today?

10

0 How much can I spend during retirement?

11

0
Am I saving enough today?

12
13
14

How much can I spend during retirement?

15

0
1 $
2

Am I saving enough today?

0 Minimal Adjust necessary

2000

16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36

Am I saving enough today?

Inflation Adjustment

Tax Adjustment
1

Years
Inv Rate
Shortfall/Excess

Taxable Acct

At the beginning of each year

Non Taxable Acct

9.4% Throughout the year

At the end of each year

Without inflation adj.

With inflation
2.7%
Savings
ContributionSavings

1.10
2.32
3.66

863
886
910

952
2029
3243

10.4%
10.4%
10.4%

10.4%
10.4%
10.4%

5.15
6.78

935
960

4610
6147

10.4%
10.4%

10.4%
10.4%

8.59
10.58

986
1013

7871
9803

10.4%
10.4%

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
27.03
30.18

1157
1188
1220

23256
26535
29879

9.5%
8.6%
7.7%

9.5%
8.6%
7.7%

33.28

1253

33235

6.8%

6.8%

36.29
39.48

1287
1322

36543
40081

5.9%
5.9%

5.9%
5.9%

42.84

1357

43865

5.9%

5.9%

46.41

1394

47909

5.9%

5.9%

50.19
54.19

1432
1470

52229
56843

5.9%
5.9%

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%

28,722
33235
$4,512 inflation adj.
11.09% Realized rate
$117 Inflation adjustment

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

=AC6*(1+'Income & Spending'!G18*AP5)
Savings Diff

Adj Diff

Current

New Estimate New

Old Tax NPV

New Tax NPV

NPV Delta

Cont Adjustment

28,722

28,722

100.00%

100.00%

100.00%

$184,195.71

$0

$0.00

28,722

21,724

100.00%

97.46%

98.07%

$184,195.71

$0

$0.00

Chart
1

Column

Width

Height

7
1

1
1

Move Column
0

44
1

0
0
0
0

61
46
47
48
49

0
0
0
0
0

50
51
52
53
54

320,143
364,933
414,525
470,524
532,492

20,540
21,095
21,664
22,249
22,850

--

10,000
10,000
10,000
10,000
10,000

--

44,114
45,575
47,075
48,616
50,199

74,654
76,669
78,739
80,865
83,049

0
0
0
0
0

55
56
57
58
59

601,055
676,897
760,779
846,583
932,969

23,467
24,100
24,751
25,419
26,106

12,000
12,324
12,657
12,998
13,349

10,000
10,000
10,000
10,000
10,000

--

39,824
41,170
42,551
43,970
45,427

85,291
87,594
89,959
92,388
94,882

0
1
1
1
1
1
1

60
61
62
63
64
65
66

1,018,438
1,101,380
1,077,070
1,048,940
1,016,700
1,011,800
1,004,589

26,810
27,534
28,278
29,041
29,825
30,631
31,458

13,710
14,080
14,460
14,851
15,252
15,663
16,086

10,000
10,000
10,000
10,000
10,000
10,000
10,000

46,924
48,461
50,039
51,660
53,325
55,035
56,791

97,444
100,075
102,777
105,552
108,402
111,329
114,335

1
1
1
1
1
1

67
68
69
70
71
72

994,875
982,456
967,116
948,624
939,439
927,683

32,307
33,179
34,075
34,995
35,940
36,911

16,521
16,967
17,425
17,895
18,378
18,875

10,000
10,000
10,000
10,000
10,000
10,000

--

58,594
60,446
62,348
64,301
66,308
68,368

117,422
120,592
123,848
127,192
130,626
134,153

1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1

73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93

913,150
895,621
874,863
850,628
822,651
790,649
754,324
713,355
667,404
616,107
559,081
495,917
426,180
349,406
265,106
172,755
71,798
(36,232)
(147,450)
(261,940)
(379,792)

37,907
38,931
39,982
41,061
42,170
43,308
44,478
45,679
46,912
48,179
49,479
50,815
52,187
53,596
55,044
56,530
58,056
59,624
61,233
62,887
64,585

19,384
19,908
20,445
20,997
21,564
22,146
22,744
23,358
23,989
24,637
25,302
25,985
26,687
27,407
28,147
28,907
29,688
30,489
31,312
32,158
33,026

10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000
10,000

70,484
72,657
74,889
77,181
79,535
81,952
84,435
86,984
89,603
92,292
95,054
97,891
100,804
103,795
106,868
110,023
113,264
116,592
120,010
123,520
127,125

137,775
141,495
145,316
149,239
153,269
157,407
161,657
166,021
170,504
175,108
179,836
184,691
189,678
194,799
200,059
205,460
211,008
216,705
222,556
228,565
234,736

Cont Adjustment

Savings
Social Security
Social SecurityPension
Spouse Other
185,000
212,976
245,099
280,700
20,000
10,000
-

Retirement Distributions
Spending
67,107
67,107
68,919
68,919
70,780
70,780
42,691
72,691

1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1

94
95
96
97
98
99
100
101
102
103
104
105
106
107
108
109
110

(501,096)
(625,944)
(754,434)
(886,663)
(1,022,732)
(1,162,745)
(1,306,809)
(1,455,032)
(1,607,527)
(1,764,410)
(1,925,798)
(2,091,814)
(2,262,582)
(2,438,231)
(2,618,893)
(2,804,702)
(2,995,798)

66,328
68,119

33,918
34,834

10,000
10,000

130,828
134,630

241,074
247,583

Move Column

Savings &
Contributions
61
61

Asset
Allocation
1,130,102

Income &
Spending

Retirement
Cash Flow

Investment
Detail

Overview/
Help

Results

1,101,380

Retirement Cash Flow

29

Age

Ret.
Year

Beginning
Balance

Other +/(adjustments)

Social
SecuritySpouse

Social
Security

Pension

Retirement
Distributions

Other

61

$1,101,380

($67,107)

62

$1,077,070

($68,919)

63

$1,048,940

($70,780)

64

$1,016,700

20,000

10,000

($42,691)

65

$1,011,800

20,540

10,000

($44,114)

66

$1,004,589

21,095

10,000

($45,575)

67

$994,875

21,664

10,000

($47,075)

68

$982,456

22,249

10,000

($48,616)

69

$967,116

22,850

10,000

($50,199)

70

10

$948,624

23,467

12,000

10,000

($39,824)

71

11

$939,439

24,100

12,324

10,000

($41,170)

72

12

$927,683

24,751

12,657

10,000

($42,551)

73

13

$913,150

25,419

12,998

10,000

($43,970)

74

14

$895,621

26,106

13,349

10,000

($45,427)

75

15

$874,863

26,810

13,710

10,000

($46,924)

76

16

$850,628

27,534

14,080

10,000

($48,461)

77

17

$822,651

28,278

14,460

10,000

($50,039)

78

18

$790,649

29,041

14,851

10,000

($51,660)

79

19

$754,324

29,825

15,252

10,000

($53,325)

80

20

$713,355

30,631

15,663

10,000

($55,035)

81

21

$667,404

31,458

16,086

10,000

($56,791)

82

22

$616,107

32,307

16,521

10,000

($58,594)

83

23

$559,081

33,179

16,967

10,000

($60,446)

84

24

$495,917

34,075

17,425

10,000

($62,348)

85

25

$426,180

34,995

17,895

10,000

($64,301)

86

26

$349,406

35,940

18,378

10,000

($66,308)

87

27

$265,106

36,911

18,875

10,000

($68,368)

88

28

$172,755

37,907

19,384

10,000

($70,484)

89

29

$71,798

38,931

19,908

10,000

($72,657)

90

30

($36,232)

39,982

20,445

10,000

($74,889)

91

31

($147,450)

41,061

20,997

10,000

($77,181)

92

32

($261,940)

42,170

21,564

10,000

($79,535)

93

33

($379,792)

43,308

22,146

10,000

($81,952)

94

34

($501,096)

44,478

22,744

10,000

($84,435)

95

35

($625,944)

45,679

23,358

10,000

($86,984)

96

36

($754,434)

46,912

23,989

10,000

($89,603)

97

37

($886,663)

48,179

24,637

10,000

($92,292)

98

38

($1,022,732)

49,479

25,302

10,000

($95,054)

99

39

($1,162,745)

50,815

25,985

10,000

($97,891)

100

40

($1,306,809)

52,187

26,687

10,000

($100,804)

101

41

($1,455,032)

53,596

27,407

10,000

($103,795)

102

42

($1,607,527)

55,044

28,147

10,000

($106,868)

103

43

($1,764,410)

56,530

28,907

10,000

($110,023)

104

44

($1,925,798)

58,056

29,688

10,000

($113,264)

105

45

($2,091,814)

59,624

30,489

10,000

($116,592)

106

46

($2,262,582)

61,233

31,312

10,000

($120,010)

107

47

($2,438,231)

62,887

32,158

10,000

($123,520)

108

48

($2,618,893)

64,585

33,026

10,000

($127,125)

109

49

($2,804,702)

66,328

33,918

10,000

($130,828)

110

50

($2,995,798)

68,119

34,834

10,000

($134,630)

Estimated Tax

Investment
Return

Ending
Balance

Annual
Spending

Starting Balance

($16,777) $

59,574

$ 1,077,070

$67,107

($17,230) $

58,018

$ 1,048,940

$68,919

1,101,380

($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

($19,685) $

54,341

982,456

$78,739

61

($20,216) $

53,493

967,116

$80,865

29

($20,762) $

52,470

948,624

$83,049

($21,323) $

51,962

939,439

$85,291

($21,898) $

51,312

927,683

$87,594

($22,490) $

50,508

913,150

$89,959

($23,097) $

49,538

895,621

$92,388

($23,721) $

48,390

874,863

$94,882

($24,361) $

47,050

850,628

$97,444

($25,019) $

45,502

822,651

$100,075

($25,694) $

43,732

790,649

$102,777

($26,388) $

41,723

754,324

$105,552

($27,100) $

39,457

713,355

$108,402

($27,832) $

36,915

667,404

$111,329

($28,584) $

34,078

616,107

$114,335

($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

Avg Income
45,271
25.0%

1
How long will my retirement funds last?

Am I saving enough today?

How much will I be be able to withdraw?

How soon can I retire?

($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

Social Security

Social
SecuritySpouse

Pension

Other

Age
Differential

Spending
Today's $'s

Est. Tax

Retire Inv.
Return
6%

64

70

64

45000

25%

2.7%

2.7%

0.0%

0.0%

0.027

100.0%

20000

12000

10000

46

Avg Withdrawl
21,837
25.0%

long will my retirement funds last?

saving enough today?

much will I be be able to withdraw?

67,107
25%

25%
25.0%

Savings &
Contributions

Asset
Allocation

Income &
Spending

Retirement
Cash Flow

Investment
Detail

Overview/
Help

Results

Pre-Retirement Investment Detail

Contributions
Age

Inv.
Year

46

185,000

5,000

3,000

19,976

47

212,976

5,135

4,000

22,988

48

245,099

5,274

4,000

26,328

49

280,700

5,416

4,000

30,027

50

320,143

5,562

5,000

34,228

51

364,933

5,712

5,000

38,879

52

414,525

5,867

6,000

44,132

53

470,524

6,025

6,000

49,944

54

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

Beginning
Balance

401k

IRA- Spouse

OtherSpouse

Other

Investment
Return

Misc.

Check

-2

Ending Balance

Spouse=0
Max IRA
S Max
Contributi
IRA
on
Contributi 401k

2.7%

2.7%

0.0%

0.0%

2.7%

IRA- Spouse Other Other- Spouse 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

Savings &
Contributions

Asset
Allocation

Income &
Spending

Retirement
Cash Flow

Investment
Detail

Overview/
Help

Results

Graph
Retirement Savings

46

51

56

61

66

71

76

Age

Chart:

81

86

$1,200,000

$1,000,000

$800,000

$600,000

$400,000

$200,000

$0