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SIMPLE INVESTMENT PROJECTION TEMPLATE
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Enter Number of Years To Be Projected ===============》
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Estimated Annual Retirement Expenses (Current Dollars) =====》
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Estimated Non Investment Income Sources (Future Dollars) =====》
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Monthly/
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RateAnnualCurrentProjected
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(Annual)YearsContribution ValueValue
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Taxable: (Enter Monthly Contribution)
Monthly
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 Bonds5.0%00
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 Stocks9.0%00
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Total Taxable000
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401(k): (Enter Monthly Contribution)
Monthly
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 Bonds5.0%000
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 Stocks9.0%00
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Total 401(k)000
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Traditional IRA: (Enter Annual Contribution)
Annual
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 Bonds5.0%0
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 Stocks9.0%0
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Total Traditional IRA000
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Roth IRA: (Enter Annual Contribution)
Annual
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 Bonds5.0%000
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 Stocks9.0%0
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Total Roth IRA000
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Annual
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Cash/Money Market 2.0%00
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Grand Totals000
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Projected Blended Rate of Return
#NUM!
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Projected Investment Total
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Estimated "Safe" Withdrawal Rate
4.0%
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Estimated Safe Level of Withdrawals
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Simple Financial Planning
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Estimated Annual Retirement Expenses (Current Dollars)
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Projected Rate of Inflation
3.0%
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Estimated Expenses In Future Dollars
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Estimated Non Investment Income Sources (Pensions, Social
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Security, Work, Other) ≈=====================》
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Estimated Required Annual Income From Investments
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Estimated Safe Level of Withdrawals (from above)
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Excess/ (Shortfall)0
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Withdrawals as a Percentage of Assets
#DIV/0!
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Note: This simple financial planning projection template was developed by
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Reddit member Sagelllini in November 2023. Use at your own risk.
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The purpose is to help Redditors answer questions I often see on the
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various financial sub-Reddits regarding how much would someone have X years
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down the road and will it be sufficient to fund their retirement.
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The key variables to plan your retirement is 1) expected expenses in retirement (if in
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the US, be sure to factor in health care coverage) and 2) non-investment sources of
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income (Pensions, Social Security, Work, other). By establishing these parameters,
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you can estimate the amount of investment income you will need to cover your
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estimated expenses.
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For the investments, you can set the rate of return for each component, your
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MONTHLY additional contributions (for taxable and 401(k) investments) and
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ANNUAL contributions for Traditional or Roth IRAs (subject to legal limits)
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and cash or money market accounts (you can also include CDs).
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By changing the variables you can control, like years, asset allocation, contributions,
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etc., you can see the impact on your rate of return, your projected future
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income, etc.
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Hope you find this useful. This is a test version subject to change.
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