The Crossover Point Calculator
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From the book: Your Money or Your LifeAs Discussed on:The Simple Dollar blogTo get your own copy, use the "copy spredsheet" option in the "File" menu.
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AgeMoney EarnedProportion spentMoney SpentMoney Invested This YearTotal investedReturn on InvestmentYou should only edit the GREEN cells
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26$38,400.0075%$28,800.00$9,600.00$14,600.00$1,168.00
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27$39,552.0075%$29,664.00$9,888.00$24,488.00$1,959.04Initial proportion spent75%
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28$40,738.5675%$30,553.92$10,184.64$36,631.68$2,930.53Monthly pay (after tax)$3,200.00
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29$41,960.7275%$31,470.54$10,490.18$50,052.39$4,004.19Yearly pay$38,400.00
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30$43,219.5475%$32,414.65$10,804.88$64,861.47$5,188.92Annual raise3%
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31$44,516.1275%$33,387.09$11,129.03$81,179.42$6,494.35Return on investment per year8%
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32$45,851.6175%$34,388.71$11,462.90$99,136.67$7,930.93Rate of lifestyle increase3%
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33$47,227.1675%$35,420.37$11,806.79$118,874.40$9,509.95Money already invested$5,000.00
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34$48,643.9775%$36,482.98$12,160.99$140,545.34$11,243.63
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35$50,103.2975%$37,577.47$12,525.82$164,314.79$13,145.18
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36$51,606.3975%$38,704.79$12,901.60$190,361.57$15,228.93Crossover Point AgeReturn at C/O Point
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37$53,154.5875%$39,865.94$13,288.65$218,879.14$17,510.3347$55,651.93
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38$54,749.2275%$41,061.91$13,687.30$250,076.78$20,006.14
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39$56,391.6975%$42,293.77$14,097.92$284,180.84$22,734.47this data is just copied for the Chart to appear as desired
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40$58,083.4575%$43,562.58$14,520.86$321,436.17$25,714.89AgeEarnedSpentReturn
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41$59,825.9575%$44,869.46$14,956.49$362,107.55$28,968.6026$38,400.00$28,800.00$1,168.00
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42$61,620.7375%$46,215.55$15,405.18$406,481.34$32,518.5127$39,552.00$29,664.00$1,959.04
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43$63,469.3575%$47,602.01$15,867.34$454,867.19$36,389.3728$40,738.56$30,553.92$2,930.53
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44$65,373.4375%$49,030.07$16,343.36$507,599.92$40,607.9929$41,960.72$31,470.54$4,004.19
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45$67,334.6375%$50,500.97$16,833.66$565,041.57$45,203.3330$43,219.54$32,414.65$5,188.92
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46$69,354.6775%$52,016.00$17,338.67$627,583.56$50,206.6831$44,516.12$33,387.09$6,494.35
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47$71,435.3175%$53,576.48$17,858.83$695,649.08$55,651.9332$45,851.61$34,388.71$7,930.93
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48$73,578.3775%$55,183.78$18,394.59$769,695.59$61,575.6533$47,227.16$35,420.37$9,509.95
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49$75,785.7275%$56,839.29$18,946.43$850,217.67$68,017.4134$48,643.97$36,482.98$11,243.63
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50$78,059.2975%$58,544.47$19,514.82$937,749.91$75,019.9935$50,103.29$37,577.47$13,145.18
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51$80,401.0775%$60,300.80$20,100.27$1,032,870.17$82,629.6136$51,606.39$38,704.79$15,228.93
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52$82,813.1075%$62,109.83$20,703.28$1,136,203.06$90,896.2437$53,154.58$39,865.94$17,510.33
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53$85,297.5075%$63,973.12$21,324.37$1,248,423.68$99,873.8938$54,749.22$41,061.91$20,006.14
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54$87,856.4275%$65,892.32$21,964.11$1,370,261.68$109,620.9339$56,391.69$42,293.77$22,734.47
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55$90,492.1275%$67,869.09$22,623.03$1,502,505.64$120,200.4540$58,083.45$43,562.58$25,714.89
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56$93,206.8875%$69,905.16$23,301.72$1,646,007.81$131,680.6341$59,825.95$44,869.46$28,968.60
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57$96,003.0975%$72,002.31$24,000.77$1,801,689.21$144,135.1442$61,620.73$46,215.55$32,518.51
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58$98,883.1875%$74,162.38$24,720.79$1,970,545.14$157,643.6143$63,469.35$47,602.01$36,389.37
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59$101,849.6775%$76,387.25$25,462.42$2,153,651.17$172,292.0944$65,373.43$49,030.07$40,607.99
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60$104,905.1675%$78,678.87$26,226.29$2,352,169.56$188,173.5645$67,334.63$50,500.97$45,203.33
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61$108,052.3275%$81,039.24$27,013.08$2,567,356.20$205,388.5046$69,354.67$52,016.00$50,206.68
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62$111,293.8975%$83,470.42$27,823.47$2,800,568.17$224,045.4547$71,435.31$53,576.48$55,651.93
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63$114,632.7075%$85,974.53$28,658.18$3,053,271.80$244,261.7448$73,578.37$55,183.78$61,575.65
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64$118,071.6975%$88,553.76$29,517.92$3,327,051.46$266,164.1249$75,785.72$56,839.29$68,017.41
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65$121,613.8475%$91,210.38$30,403.46$3,623,619.04$289,889.5250$78,059.29$58,544.47$75,019.99
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66$125,262.2575%$93,946.69$31,315.56$3,944,824.12$315,585.9351$80,401.07$60,300.80$82,629.61
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67$129,020.1275%$96,765.09$32,255.03$4,292,665.08$343,413.2152$82,813.10$62,109.83$90,896.24
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68$132,890.7275%$99,668.04$33,222.68$4,669,300.97$373,544.0853$85,297.50$63,973.12$99,873.89
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69$136,877.4475%$102,658.08$34,219.36$5,077,064.41$406,165.1554$87,856.42$65,892.32$109,620.93
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70$140,983.7775%$105,737.83$35,245.94$5,518,475.50$441,478.0455$90,492.12$67,869.09$120,200.45
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71$145,213.2875%$108,909.96$36,303.32$5,996,256.86$479,700.5556$93,206.88$69,905.16$131,680.63
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72$149,569.6875%$112,177.26$37,392.42$6,513,349.83$521,067.9957$96,003.09$72,002.31$144,135.14
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73$154,056.7775%$115,542.58$38,514.19$7,072,932.01$565,834.5658$98,883.18$74,162.38$157,643.61
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74$158,678.4775%$119,008.85$39,669.62$7,678,436.19$614,274.90
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75$163,438.8375%$122,579.12$40,859.71$8,333,570.79$666,685.66
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76$168,341.9975%$126,256.49$42,085.50$9,042,341.95$723,387.36
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77$173,392.2575%$130,044.19$43,348.06$9,809,077.37$784,726.19
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78$178,594.0275%$133,945.51$44,648.50$10,638,452.07$851,076.17
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79$183,951.8475%$137,963.88$45,987.96$11,535,516.19$922,841.30
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80$189,470.3975%$142,102.80$47,367.60$12,505,725.09$1,000,458.01
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81$195,154.5175%$146,365.88$48,788.63$13,554,971.72$1,084,397.74
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82$201,009.1475%$150,756.86$50,252.29$14,689,621.74$1,175,169.74
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This spreadsheet is based on a post at "The Simple Dollar"
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http://www.thesimpledollar.com/2007/01/12/when-your-income-from-investments-covers-your-living-expenses-the-crossover-point
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By: Owen Jones (jonesor@gmail.com)
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