| 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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
1 | THE 1% BETTER RETIREMENT CALCULATOR | |||||||||||||||||||||||||
2 | Your Number: how much you need to never work again, and the year you get there | |||||||||||||||||||||||||
3 | ||||||||||||||||||||||||||
4 | YOUR INFORMATION (edit the yellow cells) | YOUR NUMBER | ||||||||||||||||||||||||
5 | Current age | 51 | In today's dollars | |||||||||||||||||||||||
6 | Annual spending you want in retirement (today's $) | $500,000 | $10,526,316 | |||||||||||||||||||||||
7 | Safe withdrawal rate | 4.8% | That is this many times your annual spending | 25X | ||||||||||||||||||||||
8 | Current savings and investments | $20,000,000 | ||||||||||||||||||||||||
9 | Annual contributions (what you add each year) | You reach your number in | 0 | |||||||||||||||||||||||
10 | Expected annual return | 5 | Calendar year / your age | 2026 (age 51) | ||||||||||||||||||||||
11 | Inflation rate | 3% | Years from now | 0 years | ||||||||||||||||||||||
12 | This year | 2026 | Try different rates: 4.7% = Bengen 2025 (about 21x) | 4.0% = classic rule (25x) | 3.5% = early / 40+ yr retirement (about 29x) | |||||||||||||||||||||||
13 | ||||||||||||||||||||||||||
14 | ||||||||||||||||||||||||||
15 | ||||||||||||||||||||||||||
16 | 8333.333333 | |||||||||||||||||||||||||
17 | 180000 | |||||||||||||||||||||||||
18 | 36000 | |||||||||||||||||||||||||
19 | Bonus | 18000 | ||||||||||||||||||||||||
20 | Equity | 25000 | ||||||||||||||||||||||||
21 | Monthly | 3583.333333 | ||||||||||||||||||||||||
22 | 4750 | |||||||||||||||||||||||||
23 | HOW MUCH YOU NEED, AND WHAT YOU WILL HAVE | |||||||||||||||||||||||||
24 | Years from now | Year | Your age | Projected savings | Number needed to retire | Surplus / (Gap) | Can you retire? | OK | ||||||||||||||||||
25 | 0 | 2026 | 51 | $20,000,000 | $10,526,316 | $9,473,684 | YES | 1 | ||||||||||||||||||
26 | 1 | 2027 | 52 | $120,000,000 | $10,842,105 | $109,157,895 | YES | 1 | ||||||||||||||||||
27 | 2 | 2028 | 53 | $720,000,000 | $11,167,368 | $708,832,632 | YES | 1 | ||||||||||||||||||
28 | 3 | 2029 | 54 | $4,320,000,000 | $11,502,389 | $4,308,497,611 | YES | 1 | ||||||||||||||||||
29 | 4 | 2030 | 55 | $25,920,000,000 | $11,847,461 | $25,908,152,539 | YES | 1 | ||||||||||||||||||
30 | 5 | 2031 | 56 | $155,520,000,000 | $12,202,885 | $155,507,797,115 | YES | 1 | ||||||||||||||||||
31 | 6 | 2032 | 57 | $933,120,000,000 | $12,568,972 | $933,107,431,028 | YES | 1 | ||||||||||||||||||
32 | 7 | 2033 | 58 | $5,598,720,000,000 | $12,946,041 | $5,598,707,053,959 | YES | 1 | ||||||||||||||||||
33 | 8 | 2034 | 59 | $33,592,320,000,000 | $13,334,422 | $33,592,306,665,578 | YES | 1 | ||||||||||||||||||
34 | 9 | 2035 | 60 | $201,553,920,000,000 | $13,734,455 | $201,553,906,265,545 | YES | 1 | ||||||||||||||||||
35 | 10 | 2036 | 61 | $1,209,323,520,000,000 | $14,146,488 | $1,209,323,505,853,510 | YES | 1 | ||||||||||||||||||
36 | 11 | 2037 | 62 | $7,255,941,120,000,000 | $14,570,883 | $7,255,941,105,429,120 | YES | 1 | ||||||||||||||||||
37 | 12 | 2038 | 63 | $43,535,646,720,000,000 | $15,008,009 | $43,535,646,704,992,000 | YES | 1 | ||||||||||||||||||
38 | 13 | 2039 | 64 | $261,213,880,320,000,000 | $15,458,250 | $261,213,880,304,542,000 | YES | 1 | ||||||||||||||||||
39 | 14 | 2040 | 65 | $1,567,283,281,920,000,000 | $15,921,997 | $1,567,283,281,904,080,000 | YES | 1 | ||||||||||||||||||
40 | 15 | 2041 | 66 | $9,403,699,691,520,000,000 | $16,399,657 | $9,403,699,691,503,600,000 | YES | 1 | ||||||||||||||||||
41 | 16 | 2042 | 67 | $56,422,198,149,120,000,000 | $16,891,647 | $56,422,198,149,103,100,000 | YES | 1 | ||||||||||||||||||
42 | 17 | 2043 | 68 | $338,533,188,894,720,000,000 | $17,398,396 | $338,533,188,894,703,000,000 | YES | 1 | ||||||||||||||||||
43 | 18 | 2044 | 69 | $2,031,199,133,368,320,000,000 | $17,920,348 | $2,031,199,133,368,300,000,000 | YES | 1 | ||||||||||||||||||
44 | 19 | 2045 | 70 | $12,187,194,800,209,900,000,000 | $18,457,958 | $12,187,194,800,209,900,000,000 | YES | 1 | ||||||||||||||||||
45 | 20 | 2046 | 71 | $73,123,168,801,259,500,000,000 | $19,011,697 | $73,123,168,801,259,500,000,000 | YES | 1 | ||||||||||||||||||
46 | 21 | 2047 | 72 | $438,739,012,807,557,000,000,000 | $19,582,048 | $438,739,012,807,557,000,000,000 | YES | 1 | ||||||||||||||||||
47 | 22 | 2048 | 73 | $2,632,434,076,845,340,000,000,000 | $20,169,510 | $2,632,434,076,845,340,000,000,000 | YES | 1 | ||||||||||||||||||
48 | 23 | 2049 | 74 | $15,794,604,461,072,100,000,000,000 | $20,774,595 | $15,794,604,461,072,100,000,000,000 | YES | 1 | ||||||||||||||||||
49 | 24 | 2050 | 75 | $94,767,626,766,432,300,000,000,000 | $21,397,833 | $94,767,626,766,432,300,000,000,000 | YES | 1 | ||||||||||||||||||
50 | 25 | 2051 | 76 | $568,605,760,598,594,000,000,000,000 | $22,039,768 | $568,605,760,598,594,000,000,000,000 | YES | 1 | ||||||||||||||||||
51 | 26 | 2052 | 77 | $3,411,634,563,591,560,000,000,000,000 | $22,700,961 | $3,411,634,563,591,560,000,000,000,000 | YES | 1 | ||||||||||||||||||
52 | 27 | 2053 | 78 | $20,469,807,381,549,400,000,000,000,000 | $23,381,990 | $20,469,807,381,549,400,000,000,000,000 | YES | 1 | ||||||||||||||||||
53 | 28 | 2054 | 79 | $122,818,844,289,296,000,000,000,000,000 | $24,083,449 | $122,818,844,289,296,000,000,000,000,000 | YES | 1 | ||||||||||||||||||
54 | 29 | 2055 | 80 | $736,913,065,735,778,000,000,000,000,000 | $24,805,953 | $736,913,065,735,778,000,000,000,000,000 | YES | 1 | ||||||||||||||||||
55 | 30 | 2056 | 81 | $4,421,478,394,414,670,000,000,000,000,000 | $25,550,131 | $4,421,478,394,414,670,000,000,000,000,000 | YES | 1 | ||||||||||||||||||
56 | 31 | 2057 | 82 | $26,528,870,366,488,000,000,000,000,000,000 | $26,316,635 | $26,528,870,366,488,000,000,000,000,000,000 | YES | 1 | ||||||||||||||||||
57 | 32 | 2058 | 83 | $159,173,222,198,928,000,000,000,000,000,000 | $27,106,134 | $159,173,222,198,928,000,000,000,000,000,000 | YES | 1 | ||||||||||||||||||
58 | 33 | 2059 | 84 | $955,039,333,193,568,000,000,000,000,000,000 | $27,919,318 | $955,039,333,193,568,000,000,000,000,000,000 | YES | 1 | ||||||||||||||||||
59 | 34 | 2060 | 85 | $5,730,235,999,161,410,000,000,000,000,000,000 | $28,756,898 | $5,730,235,999,161,410,000,000,000,000,000,000 | YES | 1 | ||||||||||||||||||
60 | 35 | 2061 | 86 | $34,381,415,994,968,500,000,000,000,000,000,000 | $29,619,605 | $34,381,415,994,968,500,000,000,000,000,000,000 | YES | 1 | ||||||||||||||||||
61 | 36 | 2062 | 87 | $206,288,495,969,811,000,000,000,000,000,000,000 | $30,508,193 | $206,288,495,969,811,000,000,000,000,000,000,000 | YES | 1 | ||||||||||||||||||
62 | 37 | 2063 | 88 | $1,237,730,975,818,860,000,000,000,000,000,000,000 | $31,423,439 | $1,237,730,975,818,860,000,000,000,000,000,000,000 | YES | 1 | ||||||||||||||||||
63 | 38 | 2064 | 89 | $7,426,385,854,913,190,000,000,000,000,000,000,000 | $32,366,142 | $7,426,385,854,913,190,000,000,000,000,000,000,000 | YES | 1 | ||||||||||||||||||
64 | 39 | 2065 | 90 | $44,558,315,129,479,100,000,000,000,000,000,000,000 | $33,337,126 | $44,558,315,129,479,100,000,000,000,000,000,000,000 | YES | 1 | ||||||||||||||||||
65 | 40 | 2066 | 91 | $267,349,890,776,875,000,000,000,000,000,000,000,000 | $34,337,240 | $267,349,890,776,875,000,000,000,000,000,000,000,000 | YES | 1 | ||||||||||||||||||
66 | ||||||||||||||||||||||||||
67 | HOW IT WORKS | |||||||||||||||||||||||||
68 | • Your Number = the annual income you want, divided by your safe withdrawal rate. At 4.7% that is about 21 times your yearly spending. | |||||||||||||||||||||||||
69 | • The number needed grows each year with inflation, because $80,000 of spending costs more in the future. That is why waiting raises the target. | |||||||||||||||||||||||||
70 | • Projected savings grows your current savings at your expected return, plus everything you add each year. Where the gold line crosses the dark line is the year you can retire. | |||||||||||||||||||||||||
71 | • Bill Bengen, who created the 4% rule, raised his safe rate to 4.7% in 2025. Morningstar is more cautious at about 3.7%. For a 40-plus year retirement, many use 3.5%. Pick your own comfort level in the yellow cell. | |||||||||||||||||||||||||
72 | ||||||||||||||||||||||||||
73 | This calculator is for education, not financial advice. It uses simple assumptions and does not account for taxes, Social Security, or market ups and downs. The safe withdrawal rate is a historical rule of thumb, not a guarantee. Talk to a fee-only fiduciary before making decisions. | |||||||||||||||||||||||||
74 | ||||||||||||||||||||||||||
75 | ||||||||||||||||||||||||||
76 | ||||||||||||||||||||||||||
77 | ||||||||||||||||||||||||||
78 | ||||||||||||||||||||||||||
79 | ||||||||||||||||||||||||||
80 | ||||||||||||||||||||||||||
81 | ||||||||||||||||||||||||||
82 | ||||||||||||||||||||||||||
83 | ||||||||||||||||||||||||||
84 | ||||||||||||||||||||||||||
85 | ||||||||||||||||||||||||||
86 | ||||||||||||||||||||||||||
87 | ||||||||||||||||||||||||||
88 | ||||||||||||||||||||||||||
89 | ||||||||||||||||||||||||||
90 | ||||||||||||||||||||||||||
91 | ||||||||||||||||||||||||||
92 | ||||||||||||||||||||||||||
93 | ||||||||||||||||||||||||||
94 | ||||||||||||||||||||||||||
95 | ||||||||||||||||||||||||||
96 | ||||||||||||||||||||||||||
97 | ||||||||||||||||||||||||||
98 | ||||||||||||||||||||||||||
99 | ||||||||||||||||||||||||||
100 | ||||||||||||||||||||||||||