Existing Savings

(how many years'

worth of take-
home pay) 0

Annual
Investment
Returns After
Inflation 5%

Savings Rate 50%

Safe Withdrawal
Rate 0.04

Investment Gains This Total Stash Including gains Total Stash

Year (% of one year's take- (years of take-home Relative to
Year home Income) income) Spending
0 0.00% 0.00 0
1 1.25% 0.51 1.03
2 3.81% 1.05 2.10
3 6.50% 1.62 3.23
4 9.33% 2.21 4.42
5 12.29% 2.83 5.66
6 15.41% 3.49 6.97
7 18.68% 4.17 8.35
8 22.11% 4.89 9.79
9 25.72% 5.65 11.30
10 29.51% 6.45 12.89
11 33.48% 7.28 14.56
12 37.65% 8.16 16.32
13 42.04% 9.08 18.16
14 46.64% 10.04 20.09
15 51.47% 11.06 22.12
16 56.55% 12.12 24.25
17 61.87% 13.24 26.49
18 67.47% 14.42 28.84
19 73.34% 15.65 31.30
20 79.51% 16.95 33.89
21 85.98% 18.31 36.61
22 92.78% 19.73 39.47
23 99.92% 21.23 42.47
24 107.42% 22.81 45.61
25 115.29% 24.46 48.92
26 123.55% 26.20 52.39
27 132.23% 28.02 56.04
28 141.34% 29.93 59.86
29 150.91% 31.94 63.88
30 160.95% 34.05 68.10
31 171.50% 36.26 72.53
32 182.57% 38.59 77.18
33 194.20% 41.03 82.07
34 206.41% 43.60 87.19
35 219.23% 46.29 92.58
36 232.70% 49.12 98.23
37 246.83% 52.08 104.17
38 261.67% 55.20 110.40
39 277.26% 58.47 116.95
40 293.62% 61.91 123.82
41 310.80% 65.52 131.04
42 328.84% 69.31 138.61
43 347.78% 73.28 146.57
44 367.67% 77.46 154.92
45 388.55% 81.85 163.69
46 410.48% 86.45 172.90
47 433.51% 91.29 182.57
48 457.68% 96.36 192.73
49 483.07% 101.69 203.39
50 509.72% 107.29 214.58
51 537.70% 113.17 226.34
52 567.09% 119.34 238.68
53 597.94% 125.82 251.64
54 630.34% 132.62 265.24
55 664.36% 139.77 279.53
56 700.08% 147.27 294.53
57 737.58% 155.14 310.28
58 776.96% 163.41 326.82
59 818.31% 172.09 344.19
60 861.72% 181.21 362.42
61 907.31% 190.78 381.57
62 955.17% 200.84 401.67
63 1005.43% 211.39 422.78
64 1058.20% 222.47 444.95
65 1113.61% 234.11 468.22
66 1171.79% 246.33 492.65
67 1232.88% 259.16 518.31
68 1297.03% 272.63 545.25
69 1364.38% 286.77 573.54
70 1435.10% 301.62 603.24
71 1509.35% 317.21 634.43
72 1587.32% 333.59 667.18
73 1669.19% 350.78 701.56
74 1755.15% 368.83 737.66
75 1845.40% 387.79 775.57
76 1940.18% 407.69 815.37
77 2039.68% 428.58 857.17
78 2144.17% 450.53 901.05
79 2253.88% 473.56 947.13
80 2369.07% 497.75 995.51
81 2490.02% 523.16 1,046.31
Safe Withdrawal
Rate would give
you this
percentage of
your spending:
0.00%
4.10%
8.41%
12.93%
17.67%
22.66%
27.89%
33.38%
39.15%
45.21%
51.57%
58.25%
65.26%
72.62%
80.35%
88.47%
97.00%
105.95%
115.34%
125.21%
 135.57%
146.45%
157.87%
169.86%
182.46%
195.68%
209.57%
224.14%
239.45%
255.52%
272.40%
290.12%
308.73%
328.26%
348.77%
370.31%
392.93%
416.68%
441.61%
467.79%
495.28%
524.14%
554.45%
586.27%
619.69%
654.77%
691.61%
730.29%
770.90%
813.55%
858.33%
905.34%
954.71%
1006.55%
1060.97%
1118.12%
1178.13%
1241.13%
1307.29%
1376.76%
1449.69%
1526.28%
1606.69%
1691.13%
1779.78%
1872.87%
1970.62%
2073.25%
2181.01%
2294.16%
2412.97%
2537.72%
2668.70%
2806.24%
2950.65%
3102.28%
3261.49%
3428.67%
3604.20%
3788.51%
3982.04%
4185.24%