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    Time To FI (RE) Spreadsheet

    Uploaded by

    digiowlmedialab

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    © All Rights Reserved
    Download as XLSX, PDF, TXT or read online from Scribd

    Time To FI (RE) Spreadsheet

    Uploaded by

    digiowlmedialab
    6 views8 pages

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    Copy of Time to FI(RE) Spreadsheet

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    © © All Rights Reserved

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    XLSX, PDF, TXT or read online from Scribd

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    6 views8 pages

    Time To FI (RE) Spreadsheet

    Uploaded by

    digiowlmedialab

    Copyright:

    © All Rights Reserved
    Download as XLSX, PDF, TXT or read online from Scribd
    Download as xlsx, pdf, or txt
    of 8

    Back of the Napkin Retirement Calculator (Time to FI)

    There are many amazing retirement simulators like Empower's and CFIREsim out there.
    THIS IS NOT ONE OF THEM.
    But that is the point. Plug in a few things and you're done.
    This spreadsheet will give you a general idea of your "Time to FI" and potential retirement dates. That's it!

    If you have any questions or run into any issues, please contact me, and I'll get it fixed.

    How To Use:
    Google Docs: "File" --> "Make a copy" Microsoft Excel: "File" --> "Download" --> "Microsoft Excel (

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    etirement dates. That's it!

    ed.

    ad" --> "Microsoft Excel (.xlsx)"


    Pre-Tax 401(k)
    Taxable Contribution Company
    End Of Year % To FI Income Deductions s Match
    0 -
    2024 34.73% $150,000 $29,200 $23,000 $7,500
    2025 37.39% $156,000 $30,368 $23,920 $7,800
    2026 40.15% $162,240 $31,583 $24,877 $8,112
    2027 43.02% $168,730 $32,846 $25,872 $8,436
    2028 45.99% $175,479 $34,160 $26,907 $8,774
    2029 49.07% $182,498 $35,526 $27,983 $9,125
    2030 52.28% $189,798 $36,947 $29,102 $9,490
    2031 55.60% $197,390 $38,425 $30,266 $9,869
    2032 59.05% $205,285 $39,962 $31,477 $10,264
    2033 62.64% $213,497 $41,561 $32,736 $10,675
    2034 66.36% $222,037 $43,223 $34,046 $11,102
    2035 70.23% $230,918 $44,952 $35,407 $11,546
    2036 74.24% $240,155 $46,750 $36,824 $12,008
    2037 78.41% $249,761 $48,620 $38,297 $12,488
    2038 82.75% $259,751 $50,565 $39,829 $12,988
    2039 87.25% $270,142 $52,588 $41,422 $13,507
    2040 91.92% $280,947 $54,691 $43,079 $14,047
    2041 96.78% $292,185 $56,879 $44,802 $14,609
    2042 101.83% $303,872 $59,154 $46,594 $15,194
    2043 107.07% $316,027 $61,520 $48,458 $15,801
    2044 112.51% $328,668 $63,981 $50,396 $16,433
    2045 118.16% $341,815 $66,540 $52,412 $17,091
    2046 124.02% $355,488 $69,202 $54,508 $17,774
    2047 130.11% $369,707 $71,970 $56,688 $18,485

    Years to FI:
    18

    Assumptions
    Taxable Income increases with inflation rate
    Expenses increase with inflation rate
    Deductions & contributions Increase with inflation
    Additional Investments uses any leftover income over expenses
    Cash is returning at least 50% of inflation (via Money Market or High-Yield S
    Take Home Additional
    Pay Investments Expenses Taxes Total Expense
    -
    $97,800 $11,178 $75,000 $11,622 $86,622
    $101,712 $11,229 $78,000 $12,483 $90,483
    $105,780 $11,283 $81,120 $13,378 $94,498
    $110,012 $11,338 $84,365 $14,309 $98,673
    $114,412 $11,396 $87,739 $15,277 $103,016
    $118,989 $11,456 $91,249 $16,284 $107,532
    $123,748 $11,519 $94,899 $17,331 $112,230
    $128,698 $11,584 $98,695 $18,420 $117,114
    $133,846 $11,651 $102,643 $19,552 $122,195
    $139,200 $11,722 $106,748 $20,730 $127,478
    $144,768 $11,795 $111,018 $21,955 $132,973
    $150,559 $11,871 $115,459 $23,229 $138,688
    $156,581 $11,950 $120,077 $24,554 $144,631
    $162,844 $12,032 $124,881 $25,932 $150,812
    $169,358 $12,117 $129,876 $27,365 $157,240
    $176,132 $12,206 $135,071 $28,855 $163,926
    $183,178 $12,299 $140,474 $30,405 $170,879
    $190,505 $12,395 $146,093 $32,017 $178,110
    $198,125 $12,495 $151,936 $33,693 $185,630
    $206,050 $12,499 $158,014 $35,537 $193,551
    $214,292 $12,443 $164,334 $37,515 $201,849
    $222,864 $12,384 $170,908 $39,572 $210,480
    $231,778 $12,322 $177,744 $41,712 $219,456
    $241,049 $12,259 $184,854 $43,937 $228,790

    Starting Income Current Portfolio Value Inflation Rate of Return


    $150,000 $300,000 4.00% 8.00%
    401(k) Company
    Match % Current Expenses Current Cash Retirement Withdraw Rate
    5% $75,000 $30,000 4.00%
    Real Estate
    Pre-Tax ContributioTax Deductions Equity Real Estate Return
    come over expenses $23,000 $29,200 $250,000 2.00%
    via Money Market or High-Yield Savings AccounMarried
    Active Total Real Estate Change In
    Investments ROI Total Cash Investment Networth
    $300,000 - $30,000 $250,000.00 -
    $365,678 $24,000 $30,600 $255,000.00 $71,278
    $437,882 $29,254 $31,212 $260,100.00 $77,916
    $517,184 $35,031 $31,836 $265,302.00 $85,128
    $604,205 $41,375 $32,473 $270,608.04 $92,964
    $699,618 $48,336 $33,122 $276,020.20 $101,475
    $804,152 $55,969 $33,785 $281,540.60 $110,716
    $918,595 $64,332 $34,461 $287,171.42 $120,750
    $1,043,802 $73,488 $35,150 $292,914.85 $131,640
    $1,180,699 $83,504 $35,853 $298,773.14 $143,458
    $1,330,287 $94,456 $36,570 $304,748.60 $156,281
    $1,493,652 $106,423 $37,301 $310,843.58 $170,191
    $1,671,968 $119,492 $38,047 $317,060.45 $185,279
    $1,866,507 $133,757 $38,808 $323,401.66 $201,641
    $2,078,644 $149,321 $39,584 $329,869.69 $219,381
    $2,309,870 $166,292 $40,376 $336,467.08 $238,614
    $2,561,794 $184,790 $41,184 $343,196.43 $259,462
    $2,836,163 $204,944 $42,007 $350,060.35 $282,056
    $3,134,862 $226,893 $42,847 $357,061.56 $306,540
    $3,459,933 $250,789 $43,704 $364,202.79 $333,070
    $3,813,486 $276,795 $44,578 $371,486.85 $361,711
    $4,197,837 $305,079 $45,470 $378,916.59 $392,672
    $4,615,550 $335,827 $46,379 $386,494.92 $426,201
    $5,069,399 $369,244 $47,307 $394,224.82 $462,506
    $5,562,383 $405,552 $48,253 $402,109.31 $501,815

    Withdraw Rate
    FI Target (Based
    on Withdrawl
    Net Worth Rate)
    $580,000 -
    $651,278 $1,875,000
    $729,194 $1,950,000
    $814,322 $2,028,000
    $907,286 $2,109,120
    $1,008,761 $2,193,485
    $1,119,477 $2,281,224
    $1,240,227 $2,372,473
    $1,371,867 $2,467,372
    $1,515,325 $2,566,067
    $1,671,606 $2,668,710
    $1,841,797 $2,775,458
    $2,027,076 $2,886,476
    $2,228,717 $3,001,935
    $2,448,099 $3,122,013
    $2,686,713 $3,246,893
    $2,946,174 $3,376,769
    $3,228,230 $3,511,840
    $3,534,771 $3,652,313
    $3,867,840 $3,798,406
    $4,229,551 $3,950,342
    $4,622,223 $4,108,356
    $5,048,424 $4,272,690
    $5,510,931 $4,443,598
    $6,012,746 $4,621,342
    Tax Rate Single Min Single Max Single Tax Married Min Married MaxMarried TaxHead of HouHead of Ho
    10% $0 $11,600 $1,160 $0 $23,200 $2,320 $0 $16,550
    12% $11,600 $47,150 $4,266 $23,200 $94,300 $8,532 $16,550 $63,100
    22% $47,150 $100,525 $11,743 $94,300 $201,050 $23,485 $63,100 $100,500
    24% $100,525 $191,950 $21,942 $201,050 $383,900 $43,884 $100,500 $191,950
    32% $191,950 $243,725 $16,568 $383,900 $487,450 $33,136 $191,950 $243,700
    35% $243,725 $609,350 ### $487,450 $731,200 $85,313 $243,700 $609,350
    37% $609,350 $731,200 $609,350

    Taxable I Single TaMarried T HoH Tax


    $97,800 $16,569 $11,622 $14,875
    $101,712 $17,453 $12,483 $15,760
    $105,780 $18,430 $13,378 $16,736
    $110,012 $19,445 $14,309 $17,752
    $114,412 $20,501 $15,277 $18,808
    $118,989 $21,600 $16,284 $19,906
    $123,748 $22,742 $17,331 $21,049
    $128,698 $23,930 $18,420 $22,237
    $133,846 $25,166 $19,552 $23,472
    $139,200 $26,450 $20,730 $24,757
    $144,768 $27,787 $21,955 $26,093
    $150,559 $29,177 $23,229 $27,483
    $156,581 $30,622 $24,554 $28,928
    $162,844 $32,125 $25,932 $30,432
    $169,358 $33,688 $27,365 $31,995
    $176,132 $35,314 $28,855 $33,621
    $183,178 $37,005 $30,405 $35,312
    $190,505 $38,764 $32,017 $37,070
    $198,125 $41,086 $33,693 $39,393
    $206,050 $43,622 $35,537 $41,929
    $214,292 $46,260 $37,515 $44,566
    $222,864 $49,003 $39,572 $47,309
    $231,778 $51,855 $41,712 $50,162
    $241,049 $54,822 $43,937 $53,129
    Head of Household Tax
    $1,655
    $5,586
    $8,228
    $21,948
    $16,560
    $127,977

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