1 | NOTE: To make changes to the spreadsheet, please make a copy for yourself: File -> Make a Copy | |||||||||
|---|---|---|---|---|---|---|---|---|---|---|
2 | Spending | Savings | Financial Freedom Fund | Years to Financial Freedom | ||||||
3 | 5% | 6% | 7% | 8% | 9% | |||||
4 | Annual Income | $100,000 | 95% | 5% | $2,375,000 | 64.3 | 56.5 | 50.6 | 45.9 | 42.1 |
5 | Withdrawal Rate | 4% | 90% | 10% | $2,250,000 | 50.2 | 44.7 | 40.4 | 36.9 | 34.1 |
6 | Current Savings | $0 | 85% | 15% | $2,125,000 | 41.9 | 37.6 | 34.2 | 31.5 | 29.2 |
7 | 80% | 20% | $2,000,000 | 35.9 | 32.5 | 29.8 | 27.6 | 25.7 | ||
8 | 75% | 25% | $1,875,000 | 31.2 | 28.5 | 26.3 | 24.4 | 22.8 | ||
9 | 70% | 30% | $1,750,000 | 27.4 | 25.1 | 23.3 | 21.8 | 20.4 | ||
10 | 65% | 35% | $1,625,000 | 24.1 | 22.2 | 20.7 | 19.4 | 18.3 | ||
11 | Note: To make changes, click File --> Make a Copy to create your own copy of the Financial Freedom Caclulator | 60% | 40% | $1,500,000 | 21.2 | 19.7 | 18.5 | 17.4 | 16.5 | |
12 | 55% | 45% | $1,375,000 | 18.6 | 17.4 | 16.4 | 15.5 | 14.7 | ||
13 | 50% | 50% | $1,250,000 | 16.3 | 15.3 | 14.5 | 13.8 | 13.1 | ||
14 | 45% | 55% | $1,125,000 | 14.1 | 13.4 | 12.7 | 12.2 | 11.6 | ||
15 | 40% | 60% | $1,000,000 | 12.1 | 11.6 | 11.1 | 10.6 | 10.2 | ||
16 | Click here if you are unable to create your own copy of this spreadsheet | 35% | 65% | $875,000 | 10.3 | 9.9 | 9.5 | 9.2 | 8.9 | |
17 | 30% | 70% | $750,000 | 8.6 | 8.3 | 8.0 | 7.8 | 7.5 | ||
18 | 25% | 75% | $625,000 | 7.0 | 6.8 | 6.6 | 6.4 | 6.2 | ||
19 | 20% | 80% | $500,000 | 5.4 | 5.3 | 5.2 | 5.1 | 5.0 | ||
20 | 15% | 85% | $375,000 | 4.0 | 3.9 | 3.9 | 3.8 | 3.7 | ||
21 | 10% | 90% | $250,000 | 2.6 | 2.6 | 2.5 | 2.5 | 2.5 | ||
22 | 5% | 95% | $125,000 | 1.3 | 1.3 | 1.3 | 1.3 | 1.2 | ||
23 | ||||||||||
24 | Have Fun With Your Own Numbers | Tools & Resources | ||||||||
25 | Annual Savings | $20,000 | Years to FF | 15.8 | Dough Roller Newsletter | Our free weekly newsletter goes out every Saturday at 7 pm | ||||
26 | Annual Spending in Retirement | $50,000 | The Podcast | The weekly podcast covers ways to make the most of your money. Podcast 165 covers this spreadsheet. | ||||||
27 | Withdrawal Rate | 4% | Personal Capital | This free financial dashboard tracks all your investments, spending and income. | ||||||
28 | Return % | 10% | How Much Should You Save? | The article that explains the assumptions and inputs of the spreadsheet. | ||||||
29 | Current Savings | $100,000 | Vanguard | For my money, Vanguard is the best mutual fund company for investors seeking low cost index funds. | ||||||
30 | Betterment | An automated investing service for those who don't want to spend the time picking and rebalancing investments. | ||||||||