| A | B | C | D | E | F | G | H | I | J | K | L | M | N | O | P | Q | R | S | T | U | V | W | X | Y | Z | AA | AB | AC | AD | ||
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1 | Present Value Worksheet for Assets and Liability Cash Flows | 48 | year retirement | ONLY EDIT FIELDS IN GREEN | |||||||||||||||||||||||||||
2 | Inflation Rate | 2.00% | Annual Savings & Income (Assets) | Spending (Liabilities) | |||||||||||||||||||||||||||
3 | Retirement Year | 2032 | * Values are per year | Banding % | 80% | ||||||||||||||||||||||||||
4 |  | Name/s | Birth Date | Longevity Age | New Savings | New Savings Stop Year | Social Security | Year Social Security Starts | Pension | Year Pension Starts | Annuity | Year Annuity Starts | Life Insurance | Life Insurance Year | Current Essential Living | Current Additional Lifestyle | Taxes | ||||||||||||||
5 | Person 1 (older) | Person 1 | 1975 | 100 | $30,000 | 2031 | $22,000 | 2045 | $6,000 | 2040 | $0 | 2023 | $0 | 2075 | $60,000 | $20,000 | 6.50% | ||||||||||||||
6 | Person 2 | Person 2 | 1980 | 100 | $30,000 | 2031 | $32,000 | 2050 | $0 | 2023 | $0 | 2023 | $0 | 2080 | (expenses & taxes are inflation adjusted) | ||||||||||||||||
7 | Number of People | 2 | (SS is inflation adjusted) | (Not inflation adjusted) | (Not inflation adjusted) | ||||||||||||||||||||||||||
8 | Year | Person 1 Age | Person 2 Age | Person 1 Savings | Person 2 Savings | Person 1 Soc Sec | Person 2 Soc Sec | Person 1 Pension | Person 2 Pension | Person 1 Annuity | Person 2 Annuity | Person 1 Life Insurance | Person 2 Life Insurance | Current Essential Living | Current Additional Lifestyle | Taxes | Ave. Age | Age Banding | |||||||||||||
9 | 2023 | 48 | 43 | $30,000 | $30,000 | $0 | $0 | $0 | 0 | 0 | 0 | 46 | 100% | ||||||||||||||||||
10 | 2024 | 49 | 44 | $30,000 | $30,000 | $0 | $0 | $0 | 0 | 0 | 0 | 47 | 100% | ||||||||||||||||||
11 | 2025 | 50 | 45 | $30,000 | $30,000 | $0 | $0 | $0 | 0 | 0 | 0 | 48 | 100% | ||||||||||||||||||
12 | 2026 | 51 | 46 | $30,000 | $30,000 | $0 | $0 | $0 | 0 | 0 | 0 | 49 | 100% | ||||||||||||||||||
13 | 2027 | 52 | 47 | $30,000 | $30,000 | $0 | $0 | $0 | 0 | 0 | 0 | 50 | 100% | ||||||||||||||||||
14 | 2028 | 53 | 48 | $30,000 | $30,000 | $0 | $0 | $0 | 0 | 0 | 0 | 51 | 100% | ||||||||||||||||||
15 | 2029 | 54 | 49 | $30,000 | $30,000 | $0 | $0 | $0 | 0 | 0 | 0 | 52 | 100% | ||||||||||||||||||
16 | 2030 | 55 | 50 | $30,000 | $30,000 | $0 | $0 | $0 | 0 | 0 | 0 | 53 | 100% | ||||||||||||||||||
17 | 2031 | 56 | 51 | $30,000 | $30,000 | $0 | $0 | $0 | 0 | 0 | 0 | 54 | 100% | ||||||||||||||||||
18 | 2032 | 57 | 52 | $0 | $0 | $0 | $60,000 | $20,000 | $5,200 | 55 | 100% | ||||||||||||||||||||
19 | 2033 | 58 | 53 | $0 | $0 | $0 | $60,000 | $20,000 | $5,200 | 56 | 100% | ||||||||||||||||||||
20 | 2034 | 59 | 54 | $0 | $0 | $0 | $60,000 | $20,000 | $5,200 | 57 | 100% | ||||||||||||||||||||
21 | 2035 | 60 | 55 | $0 | $0 | $0 | $60,000 | $20,000 | $5,200 | 58 | 100% | ||||||||||||||||||||
22 | 2036 | 61 | 56 | $0 | $0 | $0 | $60,000 | $20,000 | $5,200 | 59 | 100% | ||||||||||||||||||||
23 | 2037 | 62 | 57 | $0 | $0 | $0 | $60,000 | $20,000 | $5,200 | 60 | 100% | ||||||||||||||||||||
24 | 2038 | 63 | 58 | $0 | $0 | $0 | $60,000 | $20,000 | $5,200 | 61 | 100% | ||||||||||||||||||||
25 | 2039 | 64 | 59 | $0 | $0 | $0 | $60,000 | $20,000 | $5,200 | 62 | 100% | ||||||||||||||||||||
26 | 2040 | 65 | 60 | $6,000 | $0 | $0 | $0 | $60,000 | $20,000 | $5,200 | 63 | 100% | |||||||||||||||||||
27 | 2041 | 66 | 61 | $5,880 | $0 | $0 | $0 | $60,000 | $20,000 | $5,200 | 64 | 100% | |||||||||||||||||||
28 | 2042 | 67 | 62 | $5,762 | $0 | $0 | $0 | $60,000 | $20,000 | $5,200 | 65 | 100% | |||||||||||||||||||
29 | 2043 | 68 | 63 | $5,647 | $0 | $0 | $0 | $60,000 | $20,000 | $5,200 | 66 | 100% | |||||||||||||||||||
30 | 2044 | 69 | 64 | $5,534 | $0 | $0 | $0 | $60,000 | $20,000 | $5,200 | 67 | 100% | |||||||||||||||||||
31 | 2045 | 70 | 65 | $22,000 | $5,424 | $0 | $0 | $0 | $60,000 | $20,000 | $5,200 | 68 | 100% | ||||||||||||||||||
32 | 2046 | 71 | 66 | $22,000 | $5,315 | $0 | $0 | $0 | $60,000 | $20,000 | $5,200 | 69 | 100% | ||||||||||||||||||
33 | 2047 | 72 | 67 | $22,000 | $5,209 | $0 | $0 | $0 | $60,000 | $20,000 | $5,200 | 70 | 100% | ||||||||||||||||||
34 | 2048 | 73 | 68 | $22,000 | $5,105 | $0 | $0 | $0 | $60,000 | $20,000 | $5,200 | 71 | 100% | ||||||||||||||||||
35 | 2049 | 74 | 69 | $22,000 | $5,002 | $0 | $0 | $0 | $60,000 | $20,000 | $5,200 | 72 | 100% | ||||||||||||||||||
36 | 2050 | 75 | 70 | $22,000 | $32,000 | $4,902 | $0 | $0 | $0 | $60,000 | $20,000 | $5,200 | 73 | 100% | |||||||||||||||||
37 | 2051 | 76 | 71 | $22,000 | $32,000 | $4,804 | $0 | $0 | $0 | $60,000 | $20,000 | $5,200 | 74 | 100% | |||||||||||||||||
38 | 2052 | 77 | 72 | $22,000 | $32,000 | $4,708 | $0 | $0 | $0 | $60,000 | $20,000 | $5,200 | 75 | 100% | |||||||||||||||||
39 | 2053 | 78 | 73 | $22,000 | $32,000 | $4,614 | $0 | $0 | $0 | $60,000 | $20,000 | $5,200 | 76 | 100% | |||||||||||||||||
40 | 2054 | 79 | 74 | $22,000 | $32,000 | $4,522 | $0 | $0 | $0 | $60,000 | $20,000 | $5,200 | 77 | 100% | |||||||||||||||||
41 | 2055 | 80 | 75 | $22,000 | $32,000 | $4,431 | $0 | $0 | $0 | $60,000 | $20,000 | $5,200 | 78 | 100% | |||||||||||||||||
42 | 2056 | 81 | 76 | $22,000 | $32,000 | $4,343 | $0 | $0 | $0 | $60,000 | $20,000 | $5,200 | 79 | 100% | |||||||||||||||||
43 | 2057 | 82 | 77 | $22,000 | $32,000 | $4,256 | $0 | $0 | $0 | $60,000 | $20,000 | $5,200 | 80 | 100% | |||||||||||||||||
44 | 2058 | 83 | 78 | $22,000 | $32,000 | $4,171 | $0 | $0 | $0 | $48,000 | $10,000 | $3,770 | 81 | 80% | |||||||||||||||||
45 | 2059 | 84 | 79 | $22,000 | $32,000 | $4,087 | $0 | $0 | $0 | $48,000 | $10,000 | $3,770 | 82 | 80% | |||||||||||||||||
46 | 2060 | 85 | 80 | $22,000 | $32,000 | $4,006 | $0 | $0 | $0 | $48,000 | $10,000 | $3,770 | 83 | 80% | |||||||||||||||||
47 | 2061 | 86 | 81 | $22,000 | $32,000 | $3,926 | $0 | $0 | $0 | $48,000 | $10,000 | $3,770 | 84 | 80% | |||||||||||||||||
48 | 2062 | 87 | 82 | $22,000 | $32,000 | $3,847 | $0 | $0 | $0 | $48,000 | $10,000 | $3,770 | 85 | 80% | |||||||||||||||||
49 | 2063 | 88 | 83 | $22,000 | $32,000 | $3,770 | $0 | $0 | $0 | $48,000 | $10,000 | $3,770 | 86 | 80% | |||||||||||||||||
50 | 2064 | 89 | 84 | $22,000 | $32,000 | $3,695 | $0 | $0 | $0 | $48,000 | $10,000 | $3,770 | 87 | 80% | |||||||||||||||||
51 | 2065 | 90 | 85 | $22,000 | $32,000 | $3,621 | $0 | $0 | $0 | $48,000 | $10,000 | $3,770 | 88 | 80% | |||||||||||||||||
52 | 2066 | 91 | 86 | $22,000 | $32,000 | $3,548 | $0 | $0 | $0 | $48,000 | $10,000 | $3,770 | 89 | 80% | |||||||||||||||||
53 | 2067 | 92 | 87 | $22,000 | $32,000 | $3,477 | $0 | $0 | $0 | $48,000 | $10,000 | $3,770 | 90 | 80% | |||||||||||||||||
54 | 2068 | 93 | 88 | $22,000 | $32,000 | $3,408 | $0 | $0 | $0 | $48,000 | $10,000 | $3,770 | 91 | 80% | |||||||||||||||||
55 | 2069 | 94 | 89 | $22,000 | $32,000 | $3,340 | $0 | $0 | $0 | $48,000 | $10,000 | $3,770 | 92 | 80% | |||||||||||||||||
56 | 2070 | 95 | 90 | $22,000 | $32,000 | $3,273 | $0 | $0 | $0 | $48,000 | $10,000 | $3,770 | 92.5 | 80% | |||||||||||||||||
57 | 2071 | 96 | 91 | $22,000 | $32,000 | $3,207 | $0 | $0 | $0 | $48,000 | $10,000 | $3,770 | 93.5 | 80% | |||||||||||||||||
58 | 2072 | 97 | 92 | $22,000 | $32,000 | $3,143 | $0 | $0 | $0 | $48,000 | $10,000 | $3,770 | 94.5 | 80% | |||||||||||||||||
59 | 2073 | 98 | 93 | $22,000 | $32,000 | $3,080 | $0 | $0 | $0 | $48,000 | $10,000 | $3,770 | 95.5 | 80% | |||||||||||||||||
60 | 2074 | 99 | 94 | $22,000 | $32,000 | $3,019 | $0 | $0 | $0 | $48,000 | $10,000 | $3,770 | 96.5 | 80% | |||||||||||||||||
61 | 2075 | 100 | 95 | $22,000 | $32,000 | $2,958 | $0 | $0 | $0 | $0 | $48,000 | $10,000 | $3,770 | 97.5 | 80% | ||||||||||||||||
62 | 2076 | 96 | $32,000 | $0 | $0 | $48,000 | $10,000 | $3,770 | 96 | 80% | |||||||||||||||||||||
63 | 2077 | 97 | $32,000 | $0 | $0 | $48,000 | $10,000 | $3,770 | 97 | 80% | |||||||||||||||||||||
64 | 2078 | 98 | $32,000 | $0 | $0 | $48,000 | $10,000 | $3,770 | 98 | 80% | |||||||||||||||||||||
65 | 2079 | 99 | $32,000 | $0 | $0 | $48,000 | $10,000 | $3,770 | 99 | 80% | |||||||||||||||||||||
66 | 2080 | 100 | $32,000 | $0 | $0 | $0 | $48,000 | $10,000 | $3,770 | 100 | 80% | ||||||||||||||||||||
67 | 2081 | 0 | 0 | 0 | 80% | ||||||||||||||||||||||||||
68 | 2082 | 0 | 0 | 0 | 80% | ||||||||||||||||||||||||||
69 | 2083 | 0 | 0 | 0 | 80% | ||||||||||||||||||||||||||
70 | 2084 | 0 | 0 | 0 | 80% | ||||||||||||||||||||||||||
71 | 2085 | 0 | 0 | 0 | 80% | ||||||||||||||||||||||||||
72 | 2086 | 0 | 0 | 0 | 80% | ||||||||||||||||||||||||||
73 | 2087 | 0 | 0 | 0 | 80% | ||||||||||||||||||||||||||
74 | 2088 | 0 | 0 | 0 | 80% | ||||||||||||||||||||||||||
75 | 2089 | 0 | 0 | 0 | 80% | ||||||||||||||||||||||||||
76 | 2090 | 0 | 0 | 0 | 80% | ||||||||||||||||||||||||||
77 | 2091 | 0 | 0 | 0 | 80% | ||||||||||||||||||||||||||
78 | Present Values | $270,000 | $270,000 | $682,000 | $992,000 | $155,036 | $0 | $0 | $0 | $0 | $0 | $2,664,000 | $750,000 | $221,910 | |||||||||||||||||
79 | Total New Saving | $540,000 | Total SS | $1,674,000 | Total Pension | $155,036 | Total Annuity | $0 | Total Life Insurance | $0 | Total Spending | $3,635,910 | |||||||||||||||||||
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