Putanumonit's Simplistic Investment Spreadsheet

	A	B	D	E	F	G	I	J
1	Retirement year	2047	Investment years				Retirement years
2	Investment growth - inflation	5.0%	Year	Starting balance	Income	Ending balance	Year	Remaining balance
3	Income growth - inflation	2.5%	2017	$50,000	$100,000	$82,500	1	$3,092,541
4	Savings rate	30%	2018	$82,500	$102,500	$117,375	2	$3,070,973
5	Current net worth	$50,000	2019	$117,375	$105,063	$154,763	3	$3,048,326
6	Current (after tax) income	$100,000	2020	$154,763	$107,689	$194,807	4	$3,024,546
7	Retirement spending decrease:	20%	2021	$194,807	$110,381	$237,662	5	$2,999,578
8	Years of retirement:	40	2022	$237,662	$113,141	$283,487	6	$2,973,361
9	Spending at retirement:	$167,805	2023	$283,487	$115,969	$332,453	7	$2,945,833
10	Balance when you die:	$631,670	2024	$332,453	$118,869	$384,736	8	$2,916,929
11			2025	$384,736	$121,840	$440,525	9	$2,886,580
12	Crazy assumptions:		2026	$440,525	$124,886	$500,017	10	$2,854,714
13	Inflation adjusted spending doesn't change throughout retirement		2027	$500,017	$128,008	$563,420	11	$2,821,254
14	Biological humans are still around, operating in a money-based economy		2028	$563,420	$131,209	$630,954	12	$2,786,121
15			2029	$630,954	$134,489	$702,848	13	$2,749,231
16			2030	$702,848	$137,851	$779,346	14	$2,710,497
17			2031	$779,346	$141,297	$860,702	15	$2,669,826
18			2032	$860,702	$144,830	$947,186	16	$2,627,122
19			2033	$947,186	$148,451	$1,039,081	17	$2,582,282
20			2034	$1,039,081	$152,162	$1,136,684	18	$2,535,200
21			2035	$1,136,684	$155,966	$1,240,308	19	$2,485,765
22			2036	$1,240,308	$159,865	$1,350,282	20	$2,433,857
23			2037	$1,350,282	$163,862	$1,466,955	21	$2,379,354
24			2038	$1,466,955	$167,958	$1,590,690	22	$2,322,126
25			2039	$1,590,690	$172,157	$1,721,872	23	$2,262,037
26			2040	$1,721,872	$176,461	$1,860,904	24	$2,198,943
27			2041	$1,860,904	$180,873	$2,008,211	25	$2,132,695
28			2042	$2,008,211	$185,394	$2,164,240	26	$2,063,134
29			2043	$2,164,240	$190,029	$2,329,460	27	$1,990,095
30			2044	$2,329,460	$194,780	$2,504,367	28	$1,913,404
31			2045	$2,504,367	$199,650	$2,689,481	29	$1,832,878
32			2046	$2,689,481	$204,641	$2,885,347	30	$1,748,327
33			2047	$2,885,347	$209,757	$3,092,541	31	$1,659,547
34			2048	$3,092,541	$215,001	$3,311,669	32	$1,566,329
35			2049	$3,311,669	$220,376	$3,543,365	33	$1,468,450
36			2050	$3,543,365	$225,885	$3,788,298	34	$1,365,677
37			2051	$3,788,298	$231,532	$4,047,173	35	$1,257,765
38			2052	$4,047,173	$237,321	$4,320,728	36	$1,144,457
39			2053	$4,320,728	$243,254	$4,609,740	37	$1,025,485
40			2054	$4,609,740	$249,335	$4,915,028	38	$900,563
41			2055	$4,915,028	$255,568	$5,237,450	39	$769,396
42			2056	$5,237,450	$261,957	$5,577,909	40	$631,670
43			2057	$5,577,909	$268,506	$5,937,357	41	$487,057
44			2058	$5,937,357	$275,219	$6,316,790	42	$335,215
45			2059	$6,316,790	$282,100	$6,717,260	43	$175,780
46			2060	$6,717,260	$289,152	$7,139,868	44	$8,373
47			2061	$7,139,868	$296,381	$7,585,776	45	-$167,404
48			2062	$7,585,776	$303,790	$8,056,202	46	-$351,970
49			2063	$8,056,202	$311,385	$8,552,427	47	-$545,764
50			2064	$8,552,427	$319,170	$9,075,800	48	-$749,248
51			2065	$9,075,800	$327,149	$9,627,734	49	-$962,906
52			2066	$9,627,734	$335,328	$10,209,719	50	-$1,187,247
53			2067	$10,209,719	$343,711	$10,823,318	51	-$1,422,805
54			2068	$10,823,318	$352,304	$11,470,176	52	-$1,670,141
55			2069	$11,470,176	$361,111	$12,152,018	53	-$1,929,844
56			2070	$12,152,018	$370,139	$12,870,660	54	-$2,202,531
57			2071	$12,870,660	$379,392	$13,628,011	55	-$2,488,854
58			2072	$13,628,011	$388,877	$14,426,075	56	-$2,789,492
59			2073	$14,426,075	$398,599	$15,266,958	57	-$3,105,162
60			2074	$15,266,958	$408,564	$16,152,875	58	-$3,436,616
61			2075	$16,152,875	$418,778	$17,086,153	59	-$3,784,643
62			2076	$17,086,153	$429,248	$18,069,235	60	-$4,150,070
63			2077	$18,069,235	$439,979	$19,104,690	61	-$4,533,770
64			2078	$19,104,690	$450,978	$20,195,218	62	-$4,936,654
65			2079	$20,195,218	$462,253	$21,343,655	63	-$5,359,682
66			2080	$21,343,655	$473,809	$22,552,980	64	-$5,803,862
67			2081	$22,552,980	$485,654	$23,826,326	65	-$6,270,251
68			2082	$23,826,326	$497,796	$25,166,981	66	-$6,759,959
69			2083	$25,166,981	$510,241	$26,578,402	67	-$7,274,153
70			2084	$26,578,402	$522,997	$28,064,221	68	-$7,814,056
71			2085	$28,064,221	$536,072	$29,628,254	69	-$8,380,954
72			2086	$29,628,254	$549,473	$31,274,508	70	-$8,976,198
73			2087	$31,274,508	$563,210	$33,007,197	71	-$9,601,203
74			2088	$33,007,197	$577,291	$34,830,744	72	-$10,257,459
75			2089	$34,830,744	$591,723	$36,749,798	73	-$10,946,528
76			2090	$36,749,798	$606,516	$38,769,243	74	-$11,670,050
77			2091	$38,769,243	$621,679	$40,894,208	75	-$12,429,748
78			2092	$40,894,208	$637,221	$43,130,085	76	-$13,227,431
79			2093	$43,130,085	$653,151	$45,482,535	77	-$14,064,998
80			2094	$45,482,535	$669,480	$47,957,506	78	-$14,944,444
81			2095	$47,957,506	$686,217	$50,561,246	79	-$15,867,862
82			2096	$50,561,246	$703,372	$53,300,320	80	-$16,837,450
83			2097	$53,300,320	$720,957	$56,181,623	81	-$17,855,519
84			2098	$56,181,623	$738,981	$59,212,398	82	-$18,924,490
85			2099	$59,212,398	$757,455	$62,400,255	83	-$20,046,910
86			2100	$62,400,255	$776,392	$65,753,185	84	-$21,225,452
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