Retirement Calculator & Planner Demo

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Retirement Calculator - Overview


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

Use drop down boxes Roth IRA


ns , arrow buttons or white cells $5,000 to enter in your financial assump
ns
Use your mouse, return or arrow keys to move to the next input box or button.
tio
tio
Be conservative with your assumptions. Assuming aggressive scenarios will generate improbable answers.
bu
bu
Red marked boxes provide additional comments when the mouse pointer is placed over the mark.
tri
tri
on
on
C
C
&
&
1. Solve for: Through a series of financial calculations, the Retirement Calculator determines:
ss
a The age at which you will run out of retirement funds
ng
ng
How long will my retirement funds last?
a Whether you're contributing enough to your retirement plan
vi
vi
Am I saving enough today?
Sa
Sa
a How much you can spend during retirement How much can I spend during retirement?
a The earliest year in which you can retire How soon can I 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(
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 invest
you would like to add to the list, click the Need additional lines for other investments? link at the bottom of the p
Time your contributions: You may determine (by using the drop down box to the right of the Savings & Contribu
on
on
the timing of your retirement plan contributions:
ati
ati
oc
oc At the beginning of each year
All
All
tt
4. Pre-Retirement Asset Allocation and Retirement Asset Allocation
se
se
Pre-Retirement Asset Allocation: Use the drop down boxes
As
As Large Cap Stocks (S&P 500) to choose the types
Six options are provided along with their appropriate historical returns. You may customize the choices by click
on the *Want to change investment options? link on the bottom of the page.
ng
ng
You may choose to gradually reallocate your assets (as you would in real life) from your Pre-Retirement allocati
di
di
to your Retirement allocation plan by checking the box at the bottom of the page
en
en
Sp
Sp
&&
ee
5. Retirement Income: Enter in your expected annual Social Security benefits, pension or other income at the age y
m
m
For SS benefit estimates visit: www.ssa.gov/planners/calculators).
co
co
Retirement Tax Rate: Use the arrow button to adjust your total tax rate (federal, state, Social Security) on all yo
In
In
This tax rate will be applied to your SS and pension income as well as taxable retirement plan distributions (401
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 dolla
today's dollars (out-year spending will automatically be adjusted for inflation).
lts
lts
su
su
Re
Re
lts
lts
su
su
Re
Re
On the first three pages you will find a "Simple Answer" section in Simple Answer:
the upper right hand corner of the page. This is provided in order Savings at Retirement:
to illustrate (immediately) how each variable effects the results. 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 an
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 be
annual adjustment (Adjust contributions for inflation?, Funds taxable during retirement? - meaning the distributi
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
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 la
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/
You may view an enlarged version of the graph by clicking the "Click to view Larger Graph" button to the left of
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 "Othe
(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"
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, calc
software, hardware, data and network failure and profit/savings losses as a result of using this software.
Questions?
Questions?
mail
mail us
us at
at [email protected]
[email protected]
Begin

utions
utions
Contrib
Contrib
&
ss &
Saving
Saving

to enter in your financial assumptions.

te improbable answers.
over the mark.

g will my retirement funds last?


ving enough today?
ch can I spend during retirement?
n 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)

s (S&P 500) 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:
Savings at Retirement: 737,234
Savings will last until: 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,
ng 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


page 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
ss ng Flow
bution ion ng Flow Detail Help
bution ion Spendi Cash Detail Help
Contri Allocat Spendi Cash ment ss ew/
Contri Allocat & ment ew/
& ee & ment
ment Result
Result Overvi
ss & Asset
Asset Incom Retire
Invest
Invest Overvi
Saving Incom Retire
Saving

Retirement Calculator - Savings & Contributions Open


Opento
toDemo
DemoUsers
Users

Solve for: Retirement Savings


How long will my retirement funds last? 10
Am I saving enough today? 9
How much can I spend during retirement? 8
How soon can I retire? 7

Personal Information 6
46 Current Age 15 years to retirement 5
4
61 Desired Retirement Age
3
90 Life Expectancy
2
44 Current Age - Spouse 15 years to retirement 1
59 Desired Retirement Age - Spouse 0

Chart: Retirement Savings


Retirement Savings & Contributions
Retirement Plan Savings Annual Contribution
401k $ 110,000 $ 5,000 Adjust future contributions for inflation?

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

Other $ 10,000 Adjust future contributions for inflation?

Other- Spouse $ 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
Stock XYZ
Miscellaneous 2
Miscellaneous 3
Miscellaneous 4
Miscellaneous 5
Total $ - $ -
Return to top of page
Simple Answer:
Savings at Retirement: 1,101,380
See Detailed Results
Savings will last until: 89

ment Savings Solve # Plan Option Plan #


1 1 401k 1
2 401k- Spouse 2
3 IRA 3
4 IRA- Spouse 4
5 Roth IRA 5
6 Roth IRA- Spouse
7 Other
8 Other- Spouse

1
vings
At the beginning of each year

Throughout the year


At the end of each year
Assume contributions are made:
At the beginning of each year

Next
10%

Plan Plan Name Savings Contribution @ Retire Inflation? Taxable Yrs to Retire
1 401k $ 110,000 $ 5,000 $ 636,335 1 100% 1500%
4 IRA- Spouse $ 60,000 $ 3,000 $ 404,531 1 100%
7 Other $ 10,000 $ - $ 40,343 0 100%
8 Other- Spouse $ 5,000 $ - $ 20,171 0 100%
Misc $ - $ - $ - 1 100% 1
Total $ 185,000 $ 8,000 $ 1,101,380 100.0%

the beginning of each year Am I saving enough today? Chart


roughout the year 1
the end of each year
ss ng Flow
bution ion ng Flow Detail Help
bution ion Spendi Cash Detail Help
Contri Allocat Spendi Cash ment ss ew/
Contri Allocat & ment ew/
& ee & ment
ment Result
Result
ss & Asset
Asset Incom Retire
Invest
Invest Overvi
Overvi
Saving Incom Retire
Saving

Asset Allocation Closed


Closedto
toDemo
DemoUsers
Users

Pre-Retirement Asset Allocation


Allocation Return*
Pre-
Pre- Retirement
Retirement Allocation
Allocation
International Stocks (EAFE) 30% 12.4%

Small Cap Stocks 25% 12.2%


Internat
6
International Stocks (EAFE) 15% 12.4% Small C
Internat
Corporate Bonds (AAA) 20% 7.6% Corpora
Other
Other 10% 2.0%
Total 100% 10.4%

Retirement Asset Allocation


Allocation Return*
Retirement
Retirement Allocation
Allocation
Large Cap Stocks (S&P 500) 10% 10.2%

Corporate Bonds (AAA) 35% 7.6% Large C

30% 5.4% Corpora


1 Long-term Government Bonds
Long-ter
U.S. Treasury Bills 15% 3.7% U.S. Tre
Other
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 Return


Mutual Fund A 9.0%
Mutual Fund B 10.0%
Mutual Fund C 11.0%
Mutual Fund D 8.0%
Stock A 12.0%
Stock B 12.0%
Return to top of page
Simple Answer:
Savings at Retirement: 1,101,380 Inv Type Return
See Detailed Results
Savings will last until: 89 1 Large Cap Stoc 10.2%

2 Small Cap Stoc 12.2%


3 International S 12.4%

4 Corporate Bond 7.6%


5 Long-term Gov 5.4%
6 U.S. Treasury Bi 3.7%
Pre-
Pre- Retirement
Retirement Allocation
Allocation
0

International Stocks (EAFE)


Small Cap Stocks
International Stocks (EAFE)
Corporate Bonds (AAA) Inv Type Return
Other
1 Large Cap Stoc 10.2%

2 Small Cap Stoc 12.2%


3 International S 12.4%
4 Corporate Bond 7.6%
5 Long-term Gov 5.4%
Retirement
Retirement Allocation
Allocation
6 U.S. Treasury Bi 3.7%

Large Cap Stocks (S&P 500) 0


Corporate Bonds (AAA)
Long-term Government Bonds
U.S. Treasury Bills
Other

Back Next
Volatility Asset # Pre-Retire Pre-Retire Inv Alloc Return Volatility
1 3 International S 30 12%

2 2 Small Cap Stoc 25 12%


3 3 International S 15 12%
4 4 Corporate Bond 20 8%
5 Other 10 2% 0%

Asset # Retire # Retire Inv Alloc Return Volatility

1 1 Large Cap Stoc 10 10%

2 4 Corporate Bond 35 8%
3 5 Long-term Gov 30 5%
4 6 U.S. Treasury Bi 15 4%
5 Other 10 6% 0%

1 0
ss ng Flow
bution ion ng Flow Detail Help
bution ion Spendi Cash Detail Help
Contri Allocat Spendi Cash ment ss ew/
Contri Allocat & ment ew/
& ee & ment
ment Result
Result
ss & Asset
Asset Incom Retire
Invest
Invest Overvi
Overvi
Saving Incom Retire
Saving

Retirement Income & Spending Closed


Closedto
toDemo
DemoUsers
Users
Retirement Income
1st Year of Adjust for 10 Retirement
Retirement Income
Income
Start at Age:
Income inflation? 9
8
Social Security $ 20,000 64 Yes
7
Social Security- Spouse $ 12,000 68 Yes 6
5
Pension $ 10,000 64 No 4

Other No 3
2
Total $ 42,000 1

Retirement Tax Rate: 25% 25 0 Other Pension Social Sec


Social Security

Retirement Spending
Retirement
Retirement Spending
Spending
Inflation 2.7% 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
Simple Answer:
Savings at Retirement: 1,101,380
See Detailed Results
Savings will last until: 89 1 Social Security $ 20,000

2 Social Security $ 12,000


3 Pension $ 10,000
5 Other $ -

Retirement
Retirement Income
Income

er Pension Social Security- Spouse


ial Security

Retirement
Retirement Spending
Spending

Transportation 16%
Transportation
Home Home 27%
Utilities Utilities 13%
Health
Health 11%
Entertainment
Miscellaneous Entertainment 22%
Miscellaneous 11%

Back Results
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%
8 2.7%
9 2.8%
10 2.9%
11 3.0%
12 3.1%
13 3.2%

15
ss ng Flow
bution ion ng Flow Detail Help
bution ion Spendi Cash Detail Help
Contri Allocat Spendi Cash ment ss ew/
Contri Allocat & ment ew/
& ee & ment
ment Result
Result
ss & Asset
Asset Incom Retire
Invest
Invest Overvi
Overvi
Saving Incom Retire
Saving

Results

How long will my retirement funds last?

Retirement
###

How long will my retirement funds last?


hh
### ap
ap 10
### Gr
###
Gr
ger 9
ger
1 Savings at Retirement $1,101,380 Lar 8
###
Lar
ww
1 Fund will last until age 89 vie
vie 7
to
to 6
ck
ck
Cli
Cli 5

1 Savings at Retirement Increase Contribution by 4

Projected Savings $1,101,380 Monthly $ 62 3

Required Savings* $1,130,102 Annually $ 745.77 2


Shortfall $ (28,722) 1
Adjust contributions for inflation? yes
0
Funds taxable during retirement? yes
### Chart: Retirement Savings

### Detail Results


### Current Savings $ 185,000 See Pre-Retirement Investment Detail
1 Total Contributions $ 169,976 See Retirement Cash Flow
Investment Gains $ 746,403 See Enlarged Graph Above
Total Savings $ 1,101,380
Chart Option 1
1 Retirement Savings 1
2 Retirement Income (exc 2
3 Retirement Spending 3
4 Retirement Distributi 4
Retirement Savings 1
Retirement Savings

10

4 Am I saving enough today? Validation


3 Inf Choice 1
2 Tax Choice 1
1 yes 1
no 2
0
yes
Retirement Savings no

Back
Am I saving enough today?
Inflation Adjustment

Solve Age
How long will my retirement funds last? 89 $ 1,101,380 15
Am 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
Year
1
2
3
4
5
6
7
8

nough today? Validation Conditional Formatting 9


0 Am I saving enough today? 10
0 How much can I spend during retirement? 11
0 12
0 13
1 $ - Am I saving enough today? 14
2 How much can I spend during retirement? 15

16
Am I saving enough today? 17
0 Minimal Adjust necessary 18
2000 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 At the beginning of each year Taxable Acct
Inv 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
Savings Contributio Savings 33235
1.10 863 952 10.4% 10.4% $4,512 inflation adj.
2.32 886 2029 10.4% 10.4% 11.09% Realized rate
3.66 910 3243 10.4% 10.4% $117 Inflation adjustment
5.15 935 4610 10.4% 10.4%
6.78 960 6147 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
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%
=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 Column Width Height Move Column
1 7 1 44 0
1 1 1 1

Cont Adjustment 61 Savings Social SecuriSocial SecurPension Other Retirement DisSpending


0 46 185,000 - - - - 67,107 67,107
0 47 212,976 - - - - 68,919 68,919
0 48 245,099 - - - - 70,780 70,780
0 49 280,700 20,000 - 10,000 - 42,691 72,691
0 50 320,143 20,540 - 10,000 - 44,114 74,654
0 51 364,933 21,095 - 10,000 - 45,575 76,669
0 52 414,525 21,664 - 10,000 - 47,075 78,739
0
0 53
54 470,524
532,492 22,249
22,850 -- 10,000
10,000 -- 48,616
50,199 80,865
83,049
0
0 55
56 601,055
676,897 23,467
24,100 12,000
12,324 10,000
10,000 -- 39,824
41,170 85,291
87,594
0 57 760,779 24,751 12,657 10,000 - 42,551 89,959
0 58 846,583 25,419 12,998 10,000 - 43,970 92,388
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 97,444
1 61 1,101,380 27,534 14,080 10,000 - 48,461 100,075
1 62 1,077,070 28,278 14,460 10,000 - 50,039 102,777
1 63 1,048,940 29,041 14,851 10,000 - 51,660 105,552
1 64 1,016,700 29,825 15,252 10,000 - 53,325 108,402
1 65 1,011,800 30,631 15,663 10,000 - 55,035 111,329
1 66 1,004,589 31,458 16,086 10,000 - 56,791 114,335
1 67 994,875 32,307 16,521 10,000 - 58,594 117,422
1 68 982,456 33,179 16,967 10,000 - 60,446 120,592
1 69 967,116 34,075 17,425 10,000 - 62,348 123,848
1 70 948,624 34,995 17,895 10,000 - 64,301 127,192
1
1 71
72 939,439
927,683 35,940
36,911 18,378
18,875 10,000
10,000 -- 66,308
68,368 130,626
134,153
1 73 913,150 37,907 19,384 10,000 - 70,484 137,775
1 74 895,621 38,931 19,908 10,000 - 72,657 141,495
1 75 874,863 39,982 20,445 10,000 - 74,889 145,316
1 76 850,628 41,061 20,997 10,000 - 77,181 149,239
1 77 822,651 42,170 21,564 10,000 - 79,535 153,269
1 78 790,649 43,308 22,146 10,000 - 81,952 157,407
1 79 754,324 44,478 22,744 10,000 - 84,435 161,657
1 80 713,355 45,679 23,358 10,000 - 86,984 166,021
1 81 667,404 46,912 23,989 10,000 - 89,603 170,504
1 82 616,107 48,179 24,637 10,000 - 92,292 175,108
1 83 559,081 49,479 25,302 10,000 - 95,054 179,836
1 84 495,917 50,815 25,985 10,000 - 97,891 184,691
1 85 426,180 52,187 26,687 10,000 - 100,804 189,678
1 86 349,406 53,596 27,407 10,000 - 103,795 194,799
1 87 265,106 55,044 28,147 10,000 - 106,868 200,059
1 88 172,755 56,530 28,907 10,000 - 110,023 205,460
1 89 71,798 58,056 29,688 10,000 - 113,264 211,008
1 90 (36,232) 59,624 30,489 10,000 - 116,592 216,705
1 91 (147,450) 61,233 31,312 10,000 - 120,010 222,556
1 92 (261,940) 62,887 32,158 10,000 - 123,520 228,565
1 93 (379,792) 64,585 33,026 10,000 - 127,125 234,736
1 94 (501,096) 66,328 33,918 10,000 - 130,828 241,074
1 95 (625,944) 68,119 34,834 10,000 - 134,630 247,583
1 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)
Move Column
ss ng Flow
bution ion ng Flow Detail Help
bution ion Spendi Cash Detail Help
Contri Allocat Spendi Cash ment ss ew/
Contri Allocat & ment ew/
ee & ment
ment Result
Result
61 1,130,102
ss && Asset
Asset Invest
Invest Overvi
Overvi
Incom
Incom Retire
Retire
Saving
Saving

61 1,101,380
Retirement Cash Flow

Social
Ret. Beginning Other +/- Social Security- Retirement
29 Age Year Balance (adjustments) Security Spouse Pension Other 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)
0 69 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)
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)
Investment Ending Annual
Estimated Tax Return Balance 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 retirement funds last?
($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 today?
($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 able to withdraw?
($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
($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- Age Spending Retire Inv.
Social Security Spouse Pension Other Differential Today's $'s Est. Tax 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%

long will my retirement funds last?

saving enough today?

much will I be be able to withdraw?

soon can I retire?


ss ng Flow
bution ion ng Flow Detail Help
bution ion Spendi Cash Detail Help
Contri Allocat Spendi Cash ment ss ew/
Contri Allocat & ment ew/
& ee & ment
ment Result
Result Overvi
ss & Asset
Asset Incom Retire
Invest
Invest Overvi
Saving Incom Retire
Saving

Pre-Retirement Investment Detail


Contributions
Inv. Beginning Other- Investment
Age Year Balance 401k IRA- Spouse Other Spouse Misc. 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
Help
Help
ew/
ew/ Check 1 1 1 1 1
1 4 0 0 1
Overvi
Overvi

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

Spouse=0 1 - 1 - 1
S Max
Max IRA IRA
Contributi Contributi
Ending Balance on on 401k 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
Retirement Savings Chart:
Age
Age 0
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3
4
5
6
7
8
9
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Retirement Savings
Graph
Saving
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Retire
Retire Incom
Incom
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Asset ss &&
Result
Result ment
ment ee &
&
ew/
ew/ ment
ment Allocat
Allocat Contri
Contri
ss Cash
Cash Spendi
Spendi
Help
Help Detail
Detail ion
ion bution
bution
Flow
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ng ss
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ew/
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Help
1

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