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1 | Ramen Retirement: Lifetime Earnings Calculator | ||||||||||||||||||||||||||||||||

2 | Inputs | Summary Output | |||||||||||||||||||||||||||||||

3 | Earnings | Investments | Expense & Tax | Age | Ramen Retirement | Income, expenses and savings | Investments (ending balance) | Investment After Tax Cash Yields | |||||||||||||||||||||||||

4 | General Info | Starting Investments | Rent or Own? | Year | Age | Passive inc | Tax | Exp | + / - | Income | 401K | Taxes | Expenses | Roth | Savings | Home | 401K | Roth | Stocks | RE | Total | 401K | Roth | Stocks | Stock Yld | RE | RE Yld | ||||||

5 | Starting age | 30 | Roth Stocks | $20,000 | Rent | 2018 | 30 | $5 K | $0 K | $143 K | ($138)K | $405 K | $30 K | $147 K | $143 K | $10 K | $75 K | $0 K | $84 K | $32 K | $53 K | $58 K | $227 K | $1.0 K | $0.4 K | $0.7 K | 1.40% | $3.9 K | 7.80% | ||||

6 | Inflation | 2.00% | 401K Stocks | $50,000 | Rent | 2019 | 31 | $10 K | $0 K | $147 K | ($138)K | $418 K | $31 K | $152 K | $147 K | $10 K | $78 K | $0 K | $121 K | $44 K | $93 K | $110 K | $369 K | $1.7 K | $0.6 K | $1.3 K | 1.40% | $7.0 K | 7.29% | ||||

7 | Regular Stocks | $50,000 | Monthly rent | $7,000 | 2020 | 32 | $15 K | $1 K | $151 K | ($137)K | $431 K | $31 K | $156 K | $151 K | $10 K | $82 K | $0 K | $162 K | $58 K | $138 K | $171 K | $529 K | $2.4 K | $0.9 K | $1.9 K | 1.40% | $10.3 K | 6.88% | |||||

8 | Partner 1 | RE equity | $50,000 | Rent growth | 3.00% | 2021 | 33 | $20 K | $1 K | $155 K | ($136)K | $445 K | $32 K | $161 K | $155 K | $11 K | $86 K | $0 K | $207 K | $74 K | $187 K | $241 K | $709 K | $3.2 K | $1.2 K | $2.5 K | 1.40% | $13.9 K | 6.54% | ||||

9 | Earnings | $200,000 | 2022 | 34 | $26 K | $1 K | $159 K | ($134)K | $459 K | $32 K | $167 K | $159 K | $11 K | $90 K | $0 K | $256 K | $90 K | $241 K | $321 K | $909 K | $4.1 K | $1.5 K | $3.2 K | 1.40% | $17.7 K | 6.25% | |||||||

10 | Earning growth | 2.00% | Stock Returns | Own | 2023 | 35 | $33 K | $2 K | $163 K | ($132)K | $475 K | $33 K | $172 K | $163 K | $11 K | $95 K | $0 K | $310 K | $109 K | $301 K | $412 K | $1,132 K | $5.1 K | $1.8 K | $4.0 K | 1.40% | $21.9 K | 5.99% | |||||

11 | 401K cont | $15,000 | Stock Dividends | 2.00% | Price | $1,000,000 | 2024 | 36 | $41 K | $3 K | $167 K | ($129)K | $491 K | $34 K | $179 K | $167 K | $11 K | $100 K | $0 K | $368 K | $128 K | $367 K | $516 K | $1,379 K | $6.2 K | $2.2 K | $4.9 K | 1.40% | $26.5 K | 5.75% | |||

12 | Roth cont | $5,000 | Stock Cap Gains | 6.00% | Mortgage | $800,000 | 2025 | 37 | $49 K | $4 K | $172 K | ($126)K | $508 K | $34 K | $185 K | $172 K | $11 K | $106 K | $0 K | $432 K | $150 K | $439 K | $631 K | $1,653 K | $7.4 K | $2.6 K | $5.8 K | 1.40% | $31.4 K | 5.54% | |||

13 | Int rate | 4.50% | 2026 | 38 | $58 K | $5 K | $176 K | ($123)K | $527 K | $35 K | $192 K | $176 K | $12 K | $112 K | $0 K | $502 K | $174 K | $518 K | $761 K | $1,955 K | $8.6 K | $3.0 K | $6.9 K | 1.40% | $36.7 K | 5.36% | |||||||

14 | Partner 2 | Real Estate Returns | Tax rate | 1.20% | 2027 | 39 | $68 K | $6 K | $181 K | ($118)K | $546 K | $36 K | $200 K | $181 K | $12 K | $118 K | $0 K | $578 K | $200 K | $605 K | $906 K | $2,289 K | $10.0 K | $3.5 K | $8.0 K | 1.40% | $42.4 K | 5.18% | |||||

15 | Earnings | $200,000 | RE Value increase | 3.00% | Ins & repairs (% of price) | 0.80% | 2028 | 40 | $80 K | $8 K | $185 K | ($114)K | $567 K | $37 K | $208 K | $185 K | $12 K | $125 K | $0 K | $661 K | $228 K | $700 K | $1,067 K | $2,656 K | $11.6 K | $4.0 K | $9.3 K | 1.40% | $48.5 K | 5.03% | |||

16 | Earning growth | 2.00% | NOI on investment | 7.00% | Property value increase | 3.00% | 2029 | 41 | $92 K | $10 K | $190 K | ($109)K | $589 K | $37 K | $217 K | $190 K | $12 K | $133 K | $0 K | $751 K | $259 K | $805 K | $1,246 K | $3,060 K | $13.2 K | $4.6 K | $10.7 K | 1.40% | $55.2 K | 4.88% | |||

17 | 401K cont | $15,000 | RE Leverage yr 1 | 75.00% | Assessed value increase | 2.00% | 2030 | 42 | $106 K | $14 K | $195 K | ($103)K | $613 K | $38 K | $226 K | $195 K | $13 K | $141 K | $0 K | $849 K | $292 K | $919 K | $1,443 K | $3,503 K | $15.0 K | $5.2 K | $12.2 K | 1.40% | $62.2 K | 4.74% | |||

18 | Roth cont | $5,000 | % of value building | 80.00% | 2031 | 43 | $120 K | $18 K | $200 K | ($98)K | $638 K | $39 K | $236 K | $200 K | $13 K | $149 K | $0 K | $956 K | $328 K | $1,045 K | $1,661 K | $3,990 K | $17.0 K | $5.8 K | $13.8 K | 1.40% | $69.5 K | 4.60% | |||||

19 | Depreciation (yrs) | 27.5 | Expenses | 2032 | 44 | $136 K | $24 K | $205 K | ($93)K | $664 K | $40 K | $248 K | $205 K | $13 K | $158 K | $0 K | $1,072 K | $368 K | $1,182 K | $1,900 K | $4,522 K | $19.1 K | $6.6 K | $15.5 K | 1.38% | $77.5 K | 4.46% | ||||||

20 | Tax status | Mortgage rate | 5.00% | Ins & utilities | $3,600 | 2033 | 45 | $154 K | $29 K | $211 K | ($86)K | $692 K | $40 K | $260 K | $211 K | $13 K | $168 K | $0 K | $1,198 K | $411 K | $1,333 K | $2,163 K | $5,105 K | $21.4 K | $7.4 K | $17.4 K | 1.38% | $85.8 K | 4.34% | ||||

21 | Tax filing | individual | Tech | $3,700 | 2034 | 46 | $173 K | $35 K | $216 K | ($78)K | $722 K | $41 K | $274 K | $216 K | $14 K | $177 K | $0 K | $1,335 K | $457 K | $1,496 K | $2,452 K | $5,741 K | $24.0 K | $8.2 K | $18.5 K | 1.31% | $94.8 K | 4.22% | |||||

22 | State tax | CA | Savings - RE vs. Stocks | Transport | $3,100 | 2035 | 47 | $194 K | $41 K | $222 K | ($69)K | $754 K | $42 K | $288 K | $222 K | $14 K | $188 K | $0 K | $1,484 K | $508 K | $1,675 K | $2,767 K | $6,434 K | $26.7 K | $9.1 K | $20.3 K | 1.28% | $104.5 K | 4.11% | ||||

23 | Savings to RE | 50.00% | Healthcare | $15,000 | 2036 | 48 | $217 K | $48 K | $228 K | ($59)K | $788 K | $43 K | $303 K | $228 K | $14 K | $200 K | $0 K | $1,645 K | $563 K | $1,869 K | $3,111 K | $7,189 K | $29.7 K | $10.2 K | $22.6 K | 1.28% | $115.0 K | 4.02% | |||||

24 | Savings Stocks | 50.00% | Food | $24,000 | 2037 | 49 | $241 K | $56 K | $234 K | ($48)K | $824 K | $44 K | $319 K | $234 K | $15 K | $213 K | $0 K | $1,821 K | $622 K | $2,082 K | $3,487 K | $8,011 K | $32.9 K | $11.3 K | $25.2 K | 1.28% | $126.3 K | 3.93% | |||||

25 | Travel & ent | $10,000 | 2038 | 50 | $268 K | $64 K | $240 K | ($36)K | $863 K | $45 K | $337 K | $240 K | $15 K | $226 K | $0 K | $2,011 K | $687 K | $2,313 K | $3,896 K | $8,907 K | $36.4 K | $12.4 K | $28.0 K | 1.28% | $138.4 K | 3.85% | |||||||

26 | Other | $0 | 2039 | 51 | $297 K | $75 K | $246 K | ($24)K | $903 K | $45 K | $355 K | $246 K | $15 K | $241 K | $0 K | $2,217 K | $757 K | $2,565 K | $4,343 K | $9,882 K | $40.2 K | $13.7 K | $31.0 K | 1.28% | $151.5 K | 3.78% | |||||||

27 | Instrutions | 2040 | 52 | $329 K | $87 K | $253 K | ($11)K | $947 K | $46 K | $375 K | $253 K | $15 K | $257 K | $0 K | $2,441 K | $833 K | $2,839 K | $4,828 K | $10,942 K | $44.3 K | $15.1 K | $34.3 K | 1.28% | $165.5 K | 3.71% | ||||||||

28 | 1) Fill out the above assumptions to fit your current situation | 2041 | 53 | $363 K | $101 K | $259 K | $2 K | $993 K | $47 K | $396 K | $259 K | $16 K | $275 K | $0 K | $2,683 K | $916 K | $3,138 K | $5,356 K | $12,094 K | $48.8 K | $16.7 K | $37.9 K | 1.28% | $180.7 K | 3.64% | ||||||||

29 | 2) Review the 'Ramen Retirement' section to see when your available after tax passive | 2042 | 54 | $400 K | $116 K | $266 K | $17 K | $1,043 K | $48 K | $419 K | $266 K | $16 K | $293 K | $0 K | $2,946 K | $1,005 K | $3,464 K | $5,930 K | $13,346 K | $53.7 K | $18.3 K | $41.9 K | 1.28% | $196.9 K | 3.58% | ||||||||

30 | income will exceed your annual living expenses | 2043 | 55 | $440 K | $133 K | $273 K | $33 K | $1,096 K | $49 K | $443 K | $273 K | $16 K | $313 K | $0 K | $3,231 K | $1,102 K | $3,818 K | $6,554 K | $14,705 K | $58.9 K | $20.1 K | $46.1 K | 1.28% | $214.4 K | 3.53% | ||||||||

31 | 3) Tweak inputs and assumptions to evaluate the impact on Ramen Retirement | 2044 | 56 | $483 K | $151 K | $281 K | $51 K | $1,152 K | $50 K | $470 K | $281 K | $17 K | $335 K | $0 K | $3,540 K | $1,207 K | $4,204 K | $7,231 K | $16,182 K | $64.6 K | $22.0 K | $50.7 K | 1.28% | $233.1 K | 3.47% | ||||||||

32 | 2045 | 57 | $530 K | $172 K | $288 K | $70 K | $1,212 K | $51 K | $498 K | $288 K | $17 K | $358 K | $0 K | $3,874 K | $1,320 K | $4,624 K | $7,965 K | $17,784 K | $70.8 K | $24.1 K | $55.2 K | 1.26% | $253.3 K | 3.42% | |||||||||

33 | Some suggested tweaks to assumptions: | 2046 | 58 | $580 K | $193 K | $296 K | $91 K | $1,277 K | $52 K | $529 K | $296 K | $17 K | $383 K | $0 K | $4,237 K | $1,443 K | $5,081 K | $8,761 K | $19,521 K | $77.5 K | $26.4 K | $60.4 K | 1.26% | $274.6 K | 3.37% | ||||||||

34 | - Change 'Savings Allocation' between RE and Stocks | 2047 | 59 | $635 K | $217 K | $303 K | $114 K | $1,345 K | $53 K | $562 K | $303 K | $18 K | $409 K | $0 K | $4,629 K | $1,576 K | $5,577 K | $9,623 K | $21,405 K | $84.7 K | $28.9 K | $66.3 K | 1.26% | $297.3 K | 3.32% | ||||||||

35 | - Change your housing costs to reflect living in different cities | ||||||||||||||||||||||||||||||||

36 | - Change your earnings to see the impact on savings and retirement | ||||||||||||||||||||||||||||||||

37 | |||||||||||||||||||||||||||||||||

38 | Noted assumptions in the model: | ||||||||||||||||||||||||||||||||

39 | - Flat deduction of $24K for married couple filing jointly | ||||||||||||||||||||||||||||||||

40 | - Resident of California for State tax calculations | ||||||||||||||||||||||||||||||||

41 | - Real estate property financed with 30 year fixed mortgage | ||||||||||||||||||||||||||||||||

42 | - No refinancing of real estate investments over life of the hold | ||||||||||||||||||||||||||||||||

43 | - Housing costs do not increase over time, assuming home ownership | ||||||||||||||||||||||||||||||||

44 | - Have not accounted for a primary home mortgage, and corresponding deduction |

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